Coles Gift Mastercard

Its a freaking fake cards they sell and worst experience at the stores and it wasted my time running around stores for useless card. This is 50$ giftcard and 5$ charge on top . Coles doesnt own responsibility and makes us trouble. Show details

card was scratched out, called immediately to have it cancelled and sorted out. has been dragging out 3 months. multiple emails and phone calls. all offshore, escalated to supervisors who say "it will be escalated". absolute nightmare dealing with the customer service. stay far away from this. not worth itat all. Show details

These are falsely advertised as being able to be used “anywhere Mastercard is accepted”. This is incorrect. I’ve donated a few to help people pay bills because it says they can be used everywhere. They cannot be used to pay bills. Especially online. The card declines. You call the company to pay over the phone, the card declines. They cannot be… Read more

used in many places. The places you can use them you have to stand at the checkout and wait for the staff because this card forces you to sign before it approves and the staff have to check your signature. There’s obviously no signature on the back of the card so you have to produce your license. It’s embarrassing. Let’s not get started on the fact that colesmastercardbalance.com.au is never working and whenever you go to check your balance it says “system error”. And there is no one you can actually contact about any of this. Pretty pathetic! Won’t buy these again.

By using the given https://www.mybalancenow.com to check the prepaid master card balance during the last 3 weeks, after entered all card's details, the website just popped up this message - A system error has occurred. Please try again later. Had tried almost every second day, same error message.

Stilling your money. Bought a card, it was never activated, multiple hours on the phone, emails and time wasted. 5 months after and no answer. Should be discontinued but it's still available everywhere. Show details

No! No! No! – Do not buy this product! Coles is making a killing on unspent money on these cards. Most of the time people forget they had received them as gifts and they expire before they get to use them. If you are looking at giving a gift card as a gift. Look up a business that doesnt have expiry dates on their cards.

Worst prepaid card and worst customer service – I wish there is a zero star option. Do not buy any prepaid master or visa gift cards from Coles. Coles customer service the offshore indian team will not help they just said you can not get your money back. I called 07 numbers a few times and they are not being helpful. Note they are also indian offshore team. First one said she needs the card… Read more

numbers and do. It said what is it for and refuse to mention the process. The second time I called the guy hung up on me. The third time he asked for my email and said he will email me the list of documents they need. He spoke really fast and I have to ask him to repeat what he said many times. After sending him my period of purchase receipt and id. They do not reply. And guest what he said the whole thing will take 10 business days to fix my prepaid card. Unbelievable service ! Stay away from. Coles prepaid card if you can. Conversely Woolworths gift card team is amazing, they solved it for you in under 2-3 days, they will liaise with third party card issuer for you. I will forgo Coles for the very bad Coles customer service.

NEVER buy, does not work, scam-like experience – Does not work as advertised (just gets declined) as an international card, and support is woeful. It almost as though the entire process is a form of scam. Coles are complicit, and no help.

The worst prepaid card in Australia? – Contrary to mention on this and other websites that the card is "discontinued", I wish to advise that it is very much on sale all over Sydney. I bought one only two weeks ago. $250 loaded on the card and $7 fee to Coles. Total $257 I tried to use it twice: once online and once in a supermarket. It works in the supermarket. It is not clear that it… Read more

worked online. But there is no way on this earth that I can obtain the balance on the card. The phone number on the rear of the card, a QLD number is either busy or has a recorded message indicating calls are not accepted. The website listed on the rear of the card does not recognise the card's 16 digits.

Is this a scam? For shame Coles!

Many calls to Coles (three different sections of "customer service") as well as to the bank that issued this card (Heritage) and a related party (which the bank referred me to after explaining to me that notwithstanding the card lists it as the ISSUER, Heritage NO LONGER SUPPORTS the card), NOBODY is able or willing to give me the card's balance.

How can I know if fraud has taken place with the card? How can I alert Coles or the bank or mastercard about any fraud if I cannot see the list of transactions or know the existing balance?

UPDATE: While assembling paperwork for this scandalous behaviour by IMHO, the oligopolist retailer, Coles, to send to the Daily Telegraph, I again tried the useless website in order to check my balance. After all, I had nothing to lose by trying the website again. I tried and tried several times for 15 minutes again and F I N A L L Y, yes F I N A L L Y the wretched site WORKED. I could hardly believe it!

It listed the balance on the card as well as the original value of the card and transactions (breaking them apart into PROCESSED and PENDING). All the facts I was after. (No mention of the $7 cost of the card)

The list is accurate. The online transaction is recorded as "PROCESSED".

But given the frustration it has caused: the various departments at Coles I called who were useless; calling Heritage Bank who issued the card, who at first proved to be useless and then directed me to Vanilla Visa (why? who are they? It was not explained) and in any event Vanilla did not answer the phone (surprise, surprise) and Vanilla’s website did not recognise the card number (no surprise) as well as the countless times I tried calling the "customer service" phone number on the rear of the card (nobody answered) AND tried to access the website listed on the card (that failed repeatedly), so would I buy this card from Coles ever again?

I much rather be buried alive.

Total Nightmare - DO NOT BUY – 000 STAR rating. Once again I wish I had checked this trusty website before buying these cards. I never expected a gift card sold by Coles, branded with Coles and underwritten by Heritage Bank would be such a nightmare!! One of my ten $100 cards FAILED/DECLINED online however after calling the Gold Coast phone number and ending up in a incredibly… Read more

rude offshore call centre I've spent hours between them and the merchant and still have lost $86 as they claim the money was taken from the merchant even though it declined. Of course their 'Coles Mastercard' website hasn't worked in the 6 weeks I've been trying to get a statement as evidence and of course their call centre nor their managers can email me such a statement as evidence the merchant took the money. I'm now sitting without $86, a complaint to Heritage Bank which now sounds like it won't go anywhere. The call centre manager hung up on me quoting 'this is an American call Centre and I don't give you permission to record this call and goodbye' OMG. never have I had this... agree with everyone else - total SCAM and how can Coles not be held accountable as the 'seller' in Australia????

Don't bother - more trouble than it's worth – Pretty useless - can't use online if balance less than total amount to be paid. Can't add to google wallet (despite web site saying it can), so all in all pretty difficult to use....but then again, maybe that's what they're relying on.

Scam do not buy – Would've rated "0" if system allows. This is the second review I've taken my precious time to write in my life. $100 Coles Gift (mastercard) card was gifted by a friend. Was hacked into & $92 used by unknown person. Raised with gift card team in Aug 2023, was approved for replacement in Sept 2023 & haven't received as of Dec 2023. Rang today they… Read more

said 90 days ETA! Reading on these reviews, it all makes sense now as I think they won't refund. Company is based overseas so tough luck trying to contact them. Was given wrong number anyway. Website number doesn't work (if you can find it now). DO NOT BUY just gift other things. WE DONT NEED A GIFT CARD IN OUR LIFE. Gift card is another way for companies to make $$ off people.

fraud card that steals your $ – Sold by Coles, but somehow allowed to escape all responsibility for the product staff directs you to a phone number manned by offshore people who cant speak english well and can only 'send email to request replacement card', which they said they will do for 7 times over 3 months. at first i believed them, after they keep flogging the same story… Read more

you eventually realise this is just a fraud $100 that couldnt be used at all from the start, and can never be taken back

not sure how Coles get away with selling such farce, dont ever buy this or any other prepaid card sold by 'Heritage Bank' for which no one takes responsibility

very bad customer service – Called a few times, they said they are going to send a replacement card, the card never came in the mail. Called again, still no card receive, they said they were going to escalate the issue and email me, no email received. Just useless, forfeit the card, not worth calling customer service. Show details

Total Nightmare – I bought a $250 card for my wife as a present in good faith that all the terms would be honoured . The card doesn't work. After 2 phone calls where I had to wait ages for them to answer, they said the card would be replaced. 2 More calls after that and 2 weeks latter the card still hasn't been replaced. One of the call Centre team told me the… Read more

card would arrive in 2 days, needless to say it didn't arrive as she was only saying that to get ride of me. Never again. I only wished I had read some of the reviews before purchasing. STAY AWAY FROM THESE CARDS.

Would never purchase one of these for anyone as a gift – Was given a prepaid Coles Mastercard as a gift . Followed instructions / card was declined on first and second transactions . Called the helpline (overseas call centre) waited 40 mins online to be told I had to ring another number . Long story short , the card is a new generation with the wrong instructions and website printed on the cards. I was… Read more

then asked to show the receipt and card and email them as instructed . No response , no customer service whatsoever . They’re good at taking you your money but don’t expect them to work or get help from Coles .

Bad service – Card gets blocked after i useit once for 20.25 rang cs get put on hold they dont answer for an hour i think it is a Philippine call centre coles mastercard gift card shouldn'tbe sold Show details

Be wary read terms and conditions of card – Coles Mastercard Gift Cards is still available for purchase in Victoria and Tasmania. The deal is 10% off $100 and $250 gift cards at the moment and says "Total cost for $100 gift card is $94.50 ($90 for card and $4.50 for activation fee) and for $250 gift card is $231.30 ($225 for card and $6.30 for activation fee)." This offer doesn't apply to… Read more

$50 gift cards. You need a registered flybuys account to take up this offer. *Limit of 5 Gift Cards per Flybuys account. "When using the Card with some merchants (such as hotels, taxis, rental cars, restaurants, and cruise ships) Card ‘tolerance limits’ may apply. This means that the authorization or approval obtained on the Card can be for an amount up to 20% or more than the total bill (or anticipated bill) to cover additional items such as tips and incidentals or to ensure that adequate funds are available to cover the final purchase). Until the merchant sends us the final payment amount of your purchase, you will not have access to that part your Card value represented by the pre-authorized amount. For that period here is a “hold” on your Card value and it may take up to fifteen (15) days for the hold to be removed or up to sixty (60) days for car rental transactions. If you wish to make internet, mail, or phone order purchases, you will need to go to www.colesmastercardbalance.com.au and enter your address prior to performing an Internet, mail, or phone order transaction. If you use your Card details without presenting your Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you used the Card itself. Each time you use your Card or Card details, you authorize us to reduce the Card value by the amount of the transaction. We may also deduct from the Card value any amount that you owe us including fees payable under this Agreement. If you authorize a transaction and then fail to make a purchase of that item as planned, there may be a “hold” on your Card value for the amount of the transaction for up to thirty (30) days. A physical Card is like cash. We have no obligation to replace or refund value for misused, lost or stolen Cards except where we have breached any condition or warranty implied under consumer protection legislation that cannot be excluded in these terms and conditions (for example, warranties as to the exercise of due care and skill in providing services and as to fitness for purpose of materials we provide). To protect your Card, you should: 1. if it is a physical Card, carry it with you whenever you can and not leave it unattended; 2. Regularly check that you still have your Card and check your transaction history online; and 3. Not allow a person other than you to use your Card Account. 9. Returns and Refunds. If you have a complaint or concern about goods or services purchased with your Card, you must resolve this directly with the merchant. Any refunds on Card transactions are subject to the policy of the specific merchant. Refunds may be in the form of a credit to the Card/, cash refund or in-store credit. If the Card expires or is revoked before you have spent any funds resulting from a refund (whether or not the original transaction was made using the Card) then you will have no access to those funds. 10. Physical Card Replacement. If you need to replace your physical Card because it is damaged as a result of manufacturing default, please contact us at +61 (07) 5660 6022 to request a replacement Card. The physical Card is like cash.We have no obligation to replace or refund value for misused, lost or stolen physical Cards except where we have breached any condition or warranty implied under consumer protection legislation that cannot be excluded in these terms and conditions (for example, warranties as to the exercise of due care and skill in providing services and as to fitness for purpose of materials we provide). You will be required to provide personal information which may include your Card details, full name, transaction history, copies of accepted identification, etc. We reserve the right to require an affidavit signed by you and to conduct an investigation into the validity of any request. It may take up to thirty (30) days to process a request for a replacement physical Card; however, we will endeavour to provide you with a replacement Card on as timely a basis as is reasonable under the circumstances.Any replacement physical Card will be loaded with the remaining physical Card value."

This is taken from cardholder agreement, the agreement is between you and Heritage Bank. This card doesn't seem user friendly. I cannot verify online claims that it can only be used at Coles supermarket as the website claims you can purchase items with any retailer accepting Mastercard including online retailers. I chose not to purchase this gift card given the past negative reviews online and not knowing account balance with some retailers after making a purchase is poor. The website tells you to look online for account balance in these circumstances.

Go to use card invalid amount on card – Received master gift card from coles my daughters they bought in December go to use them in January they been sitting in the draw and when went to purchase at Harvey Norman their was $12.20 on 1card and $14.40 on the other so looks like something went wrong Show details

Scamed – Bought 2 cards 100$ and 50$ for my family as gifts. Both have been cleaned up upon usage, no money on both. I opened the investigation, will need to wait 100 days to get this resolved. Stay away from theses Gift cards from Coles. Show details

WASTE OF TIME TO GET A REPLACEMENT CARD – if you lost the physical plastic card and in need of replacement by following their instruction on website, https://www.mybalancenow.com/#/faq IT WILL NEVER HAPPEN. The clueless offshore call centre in Phillipines will tell you that it is not possible and they refuse to look at the website and will read a totally different script stating that… Read more

replacement plastic card is only for damaged card.

I have given them all the required information - card no, exp date, and ccv

wasted 30 minutes going around the circle because the operator kept putting in on hold.

Lesson learnt - keep hold of your plastic card.

Beware – I purchased several $250 Coles gift cards which are issued by Heritage Bank and are a MasterCard I purchased them in October 2022 I have been using them as needed with no problems going to the card website and setting a pin However today I did the same and found that online transactions had been made stealing all but $11 even though the enclosed… Read more

terms and conditions state that you must go to Coles cards website and enter your address prior to using Even though this card had been stored in a metal safe in its untouched packaging it was able to be used It took three hours and four phone calls to the listed Queensland number trying to explain this to the foreign call centre who have issues understanding the English language I will never buy another gift card from Coles or deal with MasterCard or the Heritage Bank Beware I just lost $240 and doubt that even after the 45 to 90 days shown as the time frame for the lodged claim to be attended to will I see any of my money back

Coles Prepaid MasterCard $250 scam? – I have a bad experienced on Coles Prepaid MasterCard purchased on June 2022. I have opened the card unopen pocket it had declined worth $250 . My family bought 15 of this card one of them came out there was unauthorised transaction .I rang Coles Customer Contact Centre is diverting me to an incorrect area which is the one who handles the old… Read more

prepaid MasterCard . I couldn’t believe that was pass on to different area and no one seems helped me until I looked at the back of the card that the call centre is showing Brisbane but their Customer Contact Centre is from Philippines ask them who is in charge of Dispute they won’t give you who you need to discuss this hacking unauthorised transaction VNG Games Vietnam merchandiser , & Massage Warehouse . No one will give you enough information who is responsible to investigate. They told me waiting time is between 45 to 90 days . If your Coles prepaid MasterCard start from 5109 ring 0756606022. I’m hoping that Coles will take this card seriously .Ibam going to vcat if they will refused refund for the card I didn’t even use at all. Coles have a big problem on this Card distributor some cards had been hacked .

This Coles prepaid gift card appears to be a criminal fraud – The Coles Mastercard Gift Card appear to be a criminal rip-off by Coles. My wife bought two $100 cards and gave them as gifts. They don’t work, and Coles staff refused to help. The card lists a website for balance enquiries which redirects to some scam “coupon” offer. It shows a number for ‘Customer Service’ where a robot with an American accent… Read more

requests details then says the details are invalid and ends the call. I am quite shocked that Coles engages in such fraudulent behaviour. How much money have Coles raked in from this scam? They really should be prosecuted by the authorities.

Total waste of money - do not buy these cards as gifts – I was given a card as a gift and it doesn't work. I tried using it and had no success. I asked at the coles counter and they take no responsibility and can't help. I tried the phone number and it's just a recorded message and not customer service as you can't get a hold of someone. The website has a continued system error. Seriously these… Read more

things should be removed from being sold as you are stealing people's money when your product does not work. Do not buy these things as gifts. If I could give zero stars I would.

Horrible card – Send more than an hour to find out website specified at the back of the card but getting no where. Horribly misguided information I got four cards worth $250 each but can’t get access to check balance?? This is some kind of joke don’t throw your money away

Never buy this card! – Tried to use my $50 prepaid coles MasterCard and got declined everywhere- then I tried to get help to see why%- the online chat directs you to a site where you have to pay $2 to find out any information- I will take this further as it is a blatant rip off- get your money and then make it impossible to spend it or get help- not happy Jan ! Show details