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Coles Low Rate MasterCard

Coles Low Rate MasterCard

1.6 from 542 reviews

Pros

  • Low $58 Annual Fee

  • Low 12.99% p.a. Interest Rate on purchases

Cons

  • flybuy Points can only be earned at Coles Supermarkets at a rate of 0.5 flybuy points per $1

  • 2.5% International Transaction Fee

Reviews

1.6

542 reviews
5
(34)
4
(31)
3
(29)
2
(38)
1
(410)
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Ed D happy Clickker!

Ed D happy Clickker!Gold Coast

  • 2 reviews

Damaging your credit rating by Submitting Incomplete Card Application!

published
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Greg F.

Greg F.Sydney, NSW

  • 4 reviews
  • 5 likes

Unreliable

published

Account gets locked out for no reason and the card itself will be rejected for absolutely no reason, which is inconvenient when you're paying for dinner or standing at the counter trying to pay for your shopping, and you have to start fiddling around for another card to pay with. When I called Coles, they couldn't explain why the card was rejected, so I'll just wait for it to happen again and again. If you can't rely on it and have to carry a second card anyway, whats the point having this one?!

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Online Experience
Application Process
Card Start DateJanuary 2015
Main Point of ContactOnline
Card / Account Used For
  • Everyday Expenses
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Dave

DaveSouth East Queensland, QLD

What happened to customer service?

published

Application process was easy enough. Received 2 emails, one stating my application was incomplete then one 2 hours later stating it was not approved. Tried to call but it's impossible to talk to an actual person and the online chat function is useless. Also tried to send 2 email inquiries through their online portal but said experiencing delays. Completely useless customer and after sales service, nothing like the Coles store I go to.

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Jan

Jan

  • 2 reviews
  • 3 likes

Get rid of this card if you have one

published
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Mark

Mark

  • 3 reviews
  • 2 likes

practically can not be contacted unless an emergency

published

The company closed most contact services currently. The phone system hangs up if not deemed emergency and the email system says try later mostly. I realise services may limited but you can’t ignore your customers for weeks. I have wasted too much time trying to resolve an issue.

gottalove

gottaloveSydney, NSW

  • 20 reviews
  • 7 likes

Loved this card until...

published

I have had a Coles Mastercard for many years however since it has been taken over by Citibank I have been far from happy.
In fact I had been avoiding Citibank due to poor experiences previously.
Their website is horrible, their service is horrible.
As I write this I am about to close my account with them. There are no advantages having a Coles Mastercard just grief.

Transparency
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Card Start DateJanuary 2013
Main Point of ContactOnline
Card / Account Used For
  • Everyday Expenses
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dan

danSydney Surrounds, NSW

The worst! If you want a company who cancels your card for no reason leaving you with no credit card for 2 weeks.....

published

They cancel your card for no reason leaving you without a credit card. Have to setup all direct debits again. Terrible support, they cant understand you and have really poor telephone line

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Topper M.

Topper M.

  • 2 reviews
  • 2 likes

The best part is saying goodbye

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  • Everyday Expenses
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Helen

Helensydney

  • 4 reviews

perfect

published

I have been using coles credit cars for years now. perfect for our family, I have chosen the no annual fee card with paying the full amount owing every month. also, get a reward point for using the card, every dollar spent you got 0.5 points. meaning monthly you spent 3000 dollars, you will get 1500 points, over a year you got more than 100 dollars for just using the card. love this card. recommend to everyone

Transparency
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Rewards
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Application Process
Card Start DateAugust 2016
Main Point of ContactOnline
Card / Account Used For
  • Everyday Expenses
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UFO

UFOCanberra 2600, ACT

  • 37 reviews
  • 50 likes

Invited to a "savvy way to save on interest" to convert my credit card balance to an instalment plan AT 19% INTEREST!!!

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3lions

3lionsMetropolitan Adelaide, SA

  • 13 reviews
  • 13 likes

Account sent to hardship for 36 dollars overdrawn

published

I've had this card when it was originally distributed by Myer. I've never owed any money, I always pay the closing balance every month. Over Xmas I purchased things that had to be returned & took time to receive a credit. So purchase were still made, never declined. I receive a letter saying my account is in hardship for $36 overdrawn.
Staggered. Why wasn't a purchase declined if I'd gone over my $1000 limit. I am stunned, I've since paid over $500 plus the credits to come of $400. You'd think that purchases might be declined if it was close to going over.
Anyway over 30 years a customer, never in debt, never owed money & account in hardship for $36. Unbelievable

Transparency
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Card / Account Used For
  • Online Shopping
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Ronnie

RonnieIllawarra, NSW

  • 11 reviews
  • 9 likes

Let Down

published
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Rates and Fees
Online Experience
Main Point of ContactOnline
Card / Account Used For
  • Online Shopping
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Ashley M.

Ashley M.Sydney, NSW

Would be zero if it was possible

published
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Rewards
Online Experience
Application Process
Card Start DateApril 2019
Main Point of ContactOnline
Card / Account Used For
  • Everyday Expenses
  • Online Shopping
  • Overseas/Travel
See all answers
Cath

CathSouth East Queensland, QLD

Incompetent, dishonest, worst customer service ever

published

Incompetent staff, that are dishonest, never get back to you. Do not ever get this card when you try and close account they make your life a living hell. Dont understand what the terms and conditions mean and think internal processes override legislation. Worst customer service ever, you would get better treatment at McDonalds.

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AmanS007

AmanS007Greater Melbourne (Inner), VIC

Not low rate actually

published

Services are good combined with Cole's sign up offer is a big advantage. But interest rate is bit high could have been actually low as the name suggest. Good for daily shopping not ideal for international travel and payments.

Transparency
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Rewards
Online Experience
Application Process
Card Start DateJanuary 2019
Main Point of ContactPhone
Card / Account Used For
  • Everyday Expenses
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Low Rate Credit Cards

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Antonietta

AntoniettaGreater Melbourne (Outer), VIC

Still waiting

published

I applied for this card in July. It was approved in 2 days. I still haven't received it. They cant work out why. Has anyone else had the same problem

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Vegas Santhana

Vegas SanthanaMetropolitan Adelaide, SA

  • 6 reviews
  • 2 likes

CUSTOMER SERVICE SUCKS!!

published

instead of doing a 1 single direct debit - they deducted it 5 X times on the same day, and it put my balance on negative. I have been trying to fix this since 2 weeks now and no body has any answers and they keep transferring me to different departments.
So NOT HAPPENING COLES!!!

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rok

rokSydney, NSW

  • 3 reviews

bad customer service

published

the card is ok, but i have had bad experiences with the customer service, usually i cant get through, and when i do my queries are not really answered, so thats why i have given it a bad review

Transparency
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Card Start DateDecember 2018
Main Point of ContactPhone
Card / Account Used For
  • Everyday Expenses
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The reviewer stated that an incentive was offered for this review

SL2015

SL2015

  • 3 reviews
  • 3 likes

A good card but the worst customer service

published

collecting points on a no annual fee card is great. However, the customer service is awful. The telephone system just does not work: You get disconnected 90% of a time. They are also no logical menu options. Press 1 for the automated service. Press 2 to report a card stolen. That's it!

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Shan

ShanGreater Melbourne (Metropolitan), VIC

Amazing

published

Using this card for my grocery shopping as i shop at Coles. Get rewards flybuys points and interest is low. Transfer of balance from old card was very easy to coles one.

Transparency
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Online Experience
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Card Start DateFebruary 2018
Card / Account Used For
  • Everyday Expenses
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Questions & Answers

ebonnieforster

ebonnieforsterasked

How do I make payments on my card balance without setting up a direct debit for the due date?

No answers
June S.

June S.asked

How to cancel this card please

No answers
ian t.

ian t.asked

how do i cancel my direct debit authorities

No answers

Get an answer from our members and Coles representatives

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