Open Transaction Account & Spend $160 at Coles or Woolworths In 60 Days With Digital Visa Card, Get $40 Back @ Bank of Melbourne

760
Open Transaction Account & Spend $160 at Coles or Woolworths In 60 Days With Digital Visa Card, Get $40 Back @ Bank of Melbourne
Go to Deal
Harshmellow on 16/02/2025 - 15:22 bankofmelbourne.com.au (1561 clicks)
Last edited 16/02/2025 - 15:29 by 1 other user

Saw this in the app.

Hot offer for new Complete Freedom account customers. Get $40 cashback on your grocery shopping:

  1. Open a Complete Freedom account, then activate your Bank of Melbourne Visa Debit Card to link it to your account and add to your mobile wallet.

  2. Spend at least $160 on your new digital Visa Debit Card within 60 days at Woolworths or Coles.

  3. $40 cashback will be deposited into your account within 60 days of meeting the eligible spend requirement.

Customers who have held a Bank of Melbourne Transaction account in the last 2 years are ineligible for this offer.

Important points from T&Cs:

To be considered a new customer, you must not have held a transaction account with the brand of the Complete Freedom account you are opening in the last two years. For example: If you currently hold a Bank of Melbourne (BOM) account, you can still open a St.George or BankSA account and be eligible, as long as you haven’t held an account with St.George or BankSA in the last two years.

Eligible Transactions:

  • Payments must be contactless, and made using your Visa Debit Card via a mobile wallet only, either through Tap & Pay or online payment (in-store tapping/swiping/inserting of physical cards is not eligible).

  • When a mobile wallet is used, the payment option must be set to Visa.

  • The minimum total spend of $160 at Coles or Woolworths supermarkets, (excluding subsidiary brands such as Coles Express, Woolworths Metro, service station outlets, and liquor retailers), must be processed to your account within the 60 days from the account opening. Refunds, cancelled purchases, and ineligible transactions (as listed below) are excluded.

Ineligible Transactions:

  • EFTPOS cash-out only transactions, purchase of gift cards in a single transaction, third party grocery delivery services (such as Uber), purchases processed through PayPal, Buy Now Pay Later providers, and purchases settled via a linked credit card or Freedom card are ineligible.

  • Refunds or cancelled purchases are ineligible spend.

  • Joint accounts: Each cardholder’s Visa Debit Card contributes towards the 60 day spending requirement, but only one cashback reward will be issued per joint account. At least one account holder must not have held a Bank of Melbourne transaction account in the last 2 years.

Cashback Credit:

  • $40 total cashback is available when you meet the $160 eligible spend within 60 days of account opening.

  • Cashback will be credited within 60 days of meeting the eligible spend requirement.

Financial Bank Account Cashback Coles Debit Card Transaction Account VISA Woolworths Group Limited

Related Stores

Bank of Melbourne
Bank of Melbourne

Comments

  • easternculture on 16/02/2025 - 15:24
    +14

    25% off a gift card

  • czechboi on 16/02/2025 - 15:36
    +2

    How would they even know if a gift card was purchased? Surely they are just looking to see a transaction on your statement for Coles or Woolworths

    • McMaferMur on 16/02/2025 - 15:46
      +2

      Yeah what if the payment is combo of gift card and a milk for example. Surely they cant tell what are the individual items?

    • WookieMonster on 16/02/2025 - 15:55
      +10

      Bank of Melbourne should not be able to tell whether your in-store purchase at Coles or Woolworths was for a gift card or a bottle of milk, because the information reported to Bank of Melbourne on a purchase of a gift card vs a loaf of bread should not change. Bank of Melbourne should only be able to see that you purchased something from Coles or Woolworths.

      I had a promotion on my Westpac credit card last year where I would earn $10 cashback for spending $100 at supermarkets. I purchased $100 worth of gift cards in-store from Woolworths via Apple Pay and got the $10 cashback, even though the cashback terms said that purchases of gift cards were ineligible. (I bring this up, because Westpac owns Bank of Melbourne.)

      • McMaferMur on 16/02/2025 - 15:58

        Yep obviously they dont want people buy gc but seriously why they have to lie? How they expect people to trust them to keep our money if they are lying. For small $ we not talking billion dollars

        • WookieMonster on 16/02/2025 - 16:16
          +4

          I don't think it is a lie per se, I think it is a more of a case of Bank of Melbourne saying:

          If you get away with this, good on you. However, if cashback is not automatically credited to you and you need to chase it up with us, we will enforce this restriction and refuse to issue you the missing credit.

          Case in point: I had a Myer cashback offer on my Westpac credit card last year (spend $100, get $10 back), and I of course bought a $100 Coles Group & Myer gift card from a Myer store. However, the cashback was never credited to my account. When I chased this up with Westpac after waiting about three weeks, the Westpac Rewards rep said I had to submit a copy of the purchase receipt to verify I did not purchase anything excluded in the terms (and yes, purchases of gift cards were listed as an exclusion). Grrrr…

          • ozbargaincheapo on 16/02/2025 - 18:26
            +2

            @WookieMonster: I put $101.50 on a gift card so it doesn’t look as suspicious 😇 i normally don’t have issues with getting the cashback.

            • salmon123 on 17/02/2025 - 14:33

              @ozbargaincheapo:

              so it doesn’t look as suspicious

              I wonder if $66.6 or $69 or $88 would trigger any alarm bells.

      • spaceflight on 16/02/2025 - 17:22

        Bank of Melbourne should not be able to tell whether your in-store purchase at Coles or Woolworths was for a gift card or a bottle of milk

        Yes they could because Coles and Woolworths would most likely collect and send Level 3 credit card data

        • McMaferMur on 16/02/2025 - 18:47

          hmmm… Interesting are you working in the bank?

        • salmon123 on 17/02/2025 - 14:38
          +1

          most likely collect and send Level 3 credit card data

          First hit on google says Level 3 data is rarely used for consumer transactions.

          I really don't like the idea of my bank knowing exactly what services I purchased at my local massage palour.

          • spaceflight on 17/02/2025 - 22:39

            @salmon123:

            First hit on google says Level 3 data is rarely used for consumer transactions.

            I know, it's generally not used on consumer cards as a feature for those cards as I said here
            https://www.ozbargain.com.au/comment/16268865/redir

            However merchants receive better rates for providing Level 2/3 data (helps reduce fraud and other things) and there's no disadvantage to providing Level 3 data to a consumer card so if a merchant is set up for Level 3 processing to meet the needs of their business and government customers then they will generally provide Level 3 data for all transactions regardless of the cards used.

      • kickling on 28/02/2025 - 00:02

        Hey @WookieMonster would you have any idea if buying a gift card from the WW portal or via app would be the same as WW grocery shop?

        Just thinking if the tx shows as the same thing (eg WW group or whatever) then buying a GC online would be the most efficient way to use this promo…

        • WookieMonster on 28/02/2025 - 00:13

          It would not be the same.

          If you purchase a gift card through the Woolworths Group gift card portal or the Everyday Rewards app, the reported information would make it clear you were not shopping at a Woolworths supermarket.

          • The merchant name and description should be WISH GIFT CARDS 6673 BELLA VISTA AUS, not WOOLWORTHS <store number> <store name> AUS.

          • The MCC reported for the transaction should be MCC 5399 (Miscellaneous General Merchandise Stores), not MCC 5411 (Grocery Stores, Supermarkets).

    • etan on 16/02/2025 - 15:56

      They don't know

    • spaceflight on 16/02/2025 - 17:01

      It's possible for them to know exactly what you purchased if they were to use Level 3 transaction data for the card, but it's generally only ever used on corporate/government issued cards.

      However that doesn't stop the merchant sending Level 3 data for all consumer card transactions.

  • McMaferMur on 16/02/2025 - 15:46
    +1

    Hmm how about topping up opals (nsw)? Eligible?

  • tenpercent on 16/02/2025 - 16:02
    +1

    Ineligible Transactions … purchase of gift cards in a single transaction

    So I can purchase gift cards in two transactions and that's all good?

    • Usemame on 16/02/2025 - 20:20

      you'd be doing a single transaction of gift cards purchase twice.

      • tenpercent on 18/02/2025 - 08:40

        single transaction

        or

        purchase twice

        Can you clarify?

  • valleyrain on 16/02/2025 - 17:04
    +5

    Same offer available with St. George https://www.stgeorge.com.au/personal/bank-accounts/transacti…

    • ozilicious on 18/02/2025 - 12:13
      +2

      Be aware you need to open account online, I wasn't able to so did it in branch and they refused to give me the offer

      • amorn on 21/02/2025 - 15:12

        what do you mean by refused?

        • ozilicious on 22/02/2025 - 12:27

          They didn't honour it and when I called up said they won't because one of the terms said "open account online"

            • ozilicious on 22/02/2025 - 17:23
              -1

              @test8888: Ah, good to know they changed the terms this time around
              And to be clear my experience was with St George when they ran a similar promo in September 2024

  • ATangk on 16/02/2025 - 17:31

    To be considered a new customer, you must not have held a transaction account with the brand of the Complete Freedom account you are opening in the last two years. For example: If you currently hold a Bank of Melbourne (BOM) account, you can still open a St.George or BankSA account and be eligible, as long as you haven’t held an account with St.George or BankSA in the last two years.

    This is a weird example, given that the offer is with BOM in this case. They should write it as not holding a BOM account for the last 2 years.

    • spaceflight on 16/02/2025 - 19:04

      That's a strange interpretation, given that

      you can still open a St.George or BankSA account and be eligible

    • dongltron on 19/02/2025 - 10:05

      All are owned by the same company, though.

      • YesPleaseThankYou on 19/02/2025 - 10:11

        All are owned by the same company, though.

        Same corporation.

        • dongltron on 19/02/2025 - 10:34

          same shit different word

  • kdmeir on 16/02/2025 - 17:35

    I might get this mainly for the shopback deals associated with them.

    I’m currently with Westpac and linked to ShopBack

    which is the better account bank of Melbourne or St. George or bankSA ?

    Leaning towards St George as I’m not in vic or SA

    • meowmeowmeow on 16/02/2025 - 19:28
      +2

      It's the same bank just 3 different brands

  • kdmeir on 16/02/2025 - 17:40

    The minimum total spend of $160 at Coles or Woolworths supermarkets,

    Does anyone know if you can spend 80 at each ?

    • timhn on 16/02/2025 - 22:52
      +1

      Can be any amounts as long as they from Coles or Woolworths and total $160 or more.

  • sraymond on 16/02/2025 - 19:00

    Can anyone explain this for me please.

    When a mobile wallet is used, the payment option must be set to Visa.

    • meowmeowmeow on 16/02/2025 - 19:28
      +1

      For a visa debit, I think you can choose to send transactions through eftpos or Visa and you need to make sure it's Visa. Believe the setting is in the mobile wallet app.

      • Paul B on 16/02/2025 - 19:32
        +1

        Wouldn't that be selected at the checkout in store not a wallet app?

      • McMaferMur on 16/02/2025 - 19:49

        Mobile wallet is the bom app or google wallet?

      • sraymond on 16/02/2025 - 19:50
        +1

        Yeah. I found it in wallet settings. Card info. Most just show as visa but some have two options eftpos or visa so just check your card when you add it to your wallet.

    • Paul B on 16/02/2025 - 19:30
      +1

      Google etc should automatically display that is a Visa from the card number so probably just check after it is added in your wallet

  • coolc on 16/02/2025 - 19:21
    +1

    Verifying id is pain

    • timhn on 16/02/2025 - 23:08

      How so? Any of those holding drv lic and take selfies?

  • mitty on 16/02/2025 - 19:32

    Bank of Melbourne Internet Banking is just horrificly bad. Only do this for the credit and then get the hell out, they're just horrible to use and deal with.

  • Ryk on 16/02/2025 - 19:44
    +2

    If they didnt charge:
    3% foreign currency conversion fee, and
    $5.00 overseas ATM withdrawal fee, (which also cops the above 3%) and
    $15.00 Overdrawn Fee
    maybe they wouldn't need to run silly "get $40 back" promotions.

    • EatSleepOzBargainRpt on 16/02/2025 - 19:50
      +2

      $15 overdrawn fee is a bit alarming. Why not just decline the purchase, if there's not enough money in the account?

  • txb on 16/02/2025 - 19:50
    +1

    So if you've held a Complete Freedom at any of the three in the last 2 years St/BoM/SA then you're ineligible?

  • cooni on 16/02/2025 - 20:09
    +1

    By my reading, I currently have a StG account, but I can open both BoM and BSA accounts and spend on each and get the cash back?

    • timhn on 16/02/2025 - 23:05

      Seems like that according to the T&C's of all 3 banks

      • McMaferMur on 20/02/2025 - 18:11

        Nope. Its true if you have account with x you can open with y but only 1 freedom will get the bonus. It just means if you existing customer of x (but not having freedom), you can become customer of y, and then open freedom with y

  • abc on 16/02/2025 - 20:16

    How easy is it to close the account?

  • ozbargainerlife1 on 16/02/2025 - 21:48

    their interface is so bad

  • nowich on 17/02/2025 - 09:54
    +2

    try to open all 3 banks' accounts, however, when I try to register the second, the system already has my info and bans me.

    • cooni on 17/02/2025 - 10:40
      +1

      I tried to signup for BoM and when doing new customer is says the same

      But I selected existing, and used my StG login and it made an account for me

      • timhn on 20/02/2025 - 14:11

        so now you can see 2 Freedom Accounts under your login?

        • McMaferMur on 20/02/2025 - 18:08

          Then that will invalidate the bonus as it states one freedom only, correct?

          you must not have held a transaction account with the brand of the Complete Freedom account you are opening in the last two years

          • timhn on 20/02/2025 - 19:32

            @McMaferMur: Kind of contradicted with this

            If you currently hold a St.George account, you can still open a Bank of Melbourne or BankSA account and be eligible, as long as you haven’t held an account with Bank of Melbourne or BankSA in the last two years.

            • McMaferMur on 20/02/2025 - 20:10

              @timhn: No. Its clear for me. It says if you have account with those bank you are eligible.

              It doesnt say if you have freedom account with those bank, you are eligible.. One bank has many products.

        • cooni on 20/02/2025 - 21:06
          +1

          I see all 3 complete freedom accounts in all 3 apps now

          • nned2say on 24/02/2025 - 09:47

            @cooni: Do you mean 3 complete freedom accounts with three different banks all in one app? i.e, St.George app has all three complete freedom accounts.

            • cooni on 24/02/2025 - 10:12

              @nned2say: That's exactly what I mean, each with different bank parts of the BSB number.

              • nned2say on 24/02/2025 - 10:43

                @cooni: In this case, I doubt if one can have more than one bonus.

                • cooni on 24/02/2025 - 10:46
                  -2

                  @nned2say: Why would you doubt it? The terms explicitly allow it.

                  • nned2say on 24/02/2025 - 11:39

                    @cooni: I am with CyberMurning's interpretation. If you have more than one bonus, let us know.

                    • McMaferMur on 24/02/2025 - 12:24

                      @nned2say: Yep. Its to make sure if you have for example credit card (or term deposit) with st george, you can open freedom with bom and get this offer. But not freedom freedom and another freedom triple dips

                    • cooni on 24/02/2025 - 14:29

                      @nned2say:

                      To be considered a new customer, you must not have held a transaction account with the brand of the Complete Freedom account you are opening in the last two years.

                      The wording suggests each bank's brand is unique and different. If it meant a Complete Freedom account of any sort, it would have read something like
                      "must not have held a Complete Freedom account in the last two years"

                      Anyway, if you want to miss out that's fine.

              • McMaferMur on 24/02/2025 - 10:44

                @cooni: Wow thats weird system putting all in one

    • wsqwin on 17/02/2025 - 10:42

      Yea, I got the same issue, tho I am an existing BankSA customer

    • McMaferMur on 20/02/2025 - 17:36
      +1

      Why all 3? Are you expecting 3 bonuses?

      • nowich on 20/02/2025 - 17:46

        yes

        but I am not quit sure about this

        For example: If you currently hold a Bank of Melbourne (BOM) account, you can still open a St.George or BankSA account and be eligible, as long as you haven’t held an account with St.George or BankSA in the last two years.

        • McMaferMur on 20/02/2025 - 18:07

          Nope. I think I understand the clause clearly now. See above

        • nned2say on 24/02/2025 - 09:48

          Please let us know if you get more than one bonus.

  • SaberXLancer on 17/02/2025 - 10:38

    Damn. Just opened the account in Oct last year

  • cooni on 17/02/2025 - 10:40

    Do these guys allow adding a card to Apple Pay from the app before you have the physical card?

    • Twirtle2 on 17/02/2025 - 10:59

      I doubt it, I've tried with google pay but all it does is just takes me to the app and that's it

      • cooni on 17/02/2025 - 11:55

        Right, makes sense given how poor their app experience is

  • jimwh on 17/02/2025 - 10:42
    +1

    Is there any monthly fee?

    • nowich on 17/02/2025 - 12:30
      +1

      Complete Freedom account should be completely free for a monthly fee

  • iaam on 17/02/2025 - 19:33

    I cant see the digital card. It said digital card is only available after my physical card is activated. Does anyone else also have similar issue

  • Jamesk811 on 17/02/2025 - 21:01

    This is so dumb, it keeps telling me I’m an existing customer but I’ve never held a bank account with them, ever! Then I try make one for my wife and it says she has one too…. Never had one either.

    • timhn on 18/02/2025 - 13:11
      +1

      never held a bank account with them

      What about with St George or BankSA ?

      • Jamesk811 on 18/02/2025 - 13:48

        I used to have St. George over a year ago. I thought it’s only not available if your an existing or recent customer of bank of Melbourne

        • McMaferMur on 20/02/2025 - 17:37
          +1

          Banks never forget… scary stuffs

  • amorn on 21/02/2025 - 15:18
    -1

    I held BoM account years ago and haven't used for years. I don't remember closing it. What is the best way to check your eligibility?

    • McMaferMur on 21/02/2025 - 20:31

      Call them and ask

  • pennypacker42069 on 22/02/2025 - 01:30
    +1

    “ purchase of gift cards in a single transaction”

    Has anyone asked for clarification about this? It’s a very vague statement

  • czechboi on 25/02/2025 - 23:07

    Just managed to open up an account with BOM. In the first instance it failed as it said I was an existing customer. This was 15 years ago and that account is definitely closed.

    I then tried a different email and my spare mobile number and it went through. Clearly they still have my data on file which includes my regular email and mobile number.

    Can anyone clarify, if I add the card to my Google wallet, that is all that needs to be done? Looking at my other VISA cards it already has VISA shown so I am assuming this will be the same.

    Also keen to hear if anyone gets the payout on gift cards

  • czechboi on 06/03/2025 - 13:57
    +1

    Payments must be contactless, and made using your Visa Debit Card via a mobile wallet only, either through Tap & Pay or online payment (in-store tapping/swiping/inserting of physical cards is not eligible).

    Does anyone know what counts as a mobile wallet for online payments? Does this mean Google Pay with the card added?

    • Harshmellow on 06/03/2025 - 14:12
      +1

      I think yes, Google Pay/Apple Pay

      • czechboi on 06/03/2025 - 14:19

        Thank you, just got a spend $100 get $20 off at Coles voucher, two birds :)

        *Update, spoke to soon. Coles doesn't give the option of Google Pay

        • test8888 on 06/03/2025 - 14:23
          +1

          100-20 is online shop. just use card# straight away

          also coles 4weeks offer first week
          join coles+ saver one month $7 to get 2 times 10% off
          Shopback 2% cb, many birds… :)

  • nowich on 10/03/2025 - 21:59

    anyone got a 40$ back yet?

    • Twirtle2 on 18/03/2025 - 19:43

      Nah not yet, made my purchase on 12/03 but I suspect there's a monkey manually pulling transaction data to do this promotion 😂

Login or Join to leave a comment
Login Join