Coles Low Rate MasterCard

Recent change to APP by NAB but it still is NOT working properly. I can log in although is bloody window that flips up telling one to add Coles CC to Coles Supermarket account in bloody annoying & violates my rights. I have always had NO paper statements only last 15 years but I got a paper statement by snail mail in Sept phoned them specially… Read more

requesting "I DO NOT WANT PAPER STATEMENTS must revert back to email" which was promptly ignored & I received a paper statement by snail mail in OCTOBER, so phoned them AGAIN. Seems THEY have determined that because people could not access their FAULTY App which is still under construction, they would send paper statements for month of Sept, Oct AND Nov. I always pay my CC in full but this time it has NOT been entered on my Coles Mastercard account, so I thought I would use the CHAT on the App which says "contact our team by launching the chat ......." - sadly NO as the "mobile chat option is under construction" so phone them. This has to be the worst launching of any product by a bank ever AND the APP is still under construction. CUSTOMER SERIVICE IS CLEARLY ABSENT

Recently this card-apparently run by the NAB-transitioned to a new system Large numbers of customers-myself included-could not log in It was impossible to get through on their 1300 number Emails to the NAB CEO were ignored Finally I emailed the Coles CEO and got help Because I had attempted numerous logins access had been blocked Did the NAB notify me? Well it’s one of the Big Banks so I’m sure you can guess Zero customer service AVOID Show details

perfect – 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 Show details

Amazing – 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. Show details

Reasonable card – This card has a great rate which was the my reason I got it. The downside to the card is the customer support isn't as good as some of the competitors. Show details

I have been trying to access my card for >week. Firstly I had to join the Coles-On- line shopping to get access to my card which I did, it did not work. THIS IS A SCAM, AS THEY ARE NOW FORCING US TO JOIN THEIR ON-LINE BUSINESS. I've had my Coles card for many years and never had problems accessing it. I have spend countless hours on the phone to… Read more

them sending emails, being bumped between NAB and Coles, no success. I can login, they even give me a verification codes which works, than I get message "Ünable to use On Line Centre", this happens on their new App and Web Browser. The relevant authorities Must look into this. Scammers could be using our cards and we won't know, as we can't see our cards activities. How are going to pay the account when it is due?

I have a Coles Platinum credit card, now probably NAB credit card, unsure what it will be called after migration to NAB. The communication from the 8th was poor to say the least. They clearly had all my details for i received emails and texts, but after a week being left in the dark, whilst travelling in the 3rd world and not being able to double… Read more

check whether i have been charged accordingly, i made the mistake of trying to call these legends. After an initial 49minutes to try to access my account balance and recent transactions, i got cut off. Yet they have the balls when you call, to advise you that they have zero tolerance for any sort of abuse over the phone, yet they are not able to provide customers with their account details. Where do we go to resolve this? Nowhere and they know it, but yet they can't advise on when the account details will become available. Stay away from Coles Mastercard and NAB, they are totally incompetent in the way they have handled and are handling this migration. Their staff might be doing their best, which is questionable, for they are being fed what their management want us to know, while they play with us like idiots. Go elsewhere, they don't deserve your business.

Absolutely pathetic. At the best of times, the Coles credit card experience was frustrating. Waiting for BPAY payments to land is annoying when I need to buy items for my business. Being unable to extend my credit limit even though I use the card for large business purchases so being constantly forced to overpay the card. Waiting an hour to get… Read more

customer support.

Now, the new app does not work. I cannot check my balance, I cannot get a atstament. Meanwhile, these scumbags will be waiting to charge me interest and fees on a card I have no control over. Horrible, beyond belief. Cancelling this card as soon as I can.

I applied for the Coles Master Card in July 2024 and it got approved straight away. They kept chasing me to start using the mobile wallet app, I tried multiple times and was never able to login got weeks. Could not use my card for first few weeks without knowing why I couldn't use it. I always used to pay the minimum amount every month and $1000… Read more

every fortnight on top of the minimum amount due still they kept charging me interests and the closing balance building up by $4000 every month even though I paid extra amount every fortnight. I was never able to get in contact with customer service. When I try to login to my account it says it has been locked for 24 hours, you can't chat to them coz you can't login to their account. When I called them multiple times to know the reason why the closing balance (amount to pay) is that high, all they do is just say my account balance and when I paid last.

Never received any flybuys points on any transections.

It's full of crap, I stopped using it for past 3 months since they charge me interest.

It looks like scam that will take all your money for owing a credit card even though you don't use it.

I have been a customer since I was around 18yo when originally it was a Myers Card so around 44 years. Credit limit gradually went up and was sitting at $1000 for many years. Through good times or bad the card was paid, but it wasnt as if I was EVER over the limit and wasnt a big user of it at all. It was paid when I worked part time or not… Read more

working at all. It was paid when I was on supporting parent payment, and on unemployment payment. The last at least 5 years its been over paid pretty much all the time. Even at this very moment, it's over paid by at least $1000. My credit rating is brilliant and it always has been. I tried earlier this year to get a $500 increase only to be told it was declined and wasnt given a reason. I tried again about 2 weeks ago for the same increase and once again, just received another email saying its been declined also again with no reason why. Apparently it doesn matter if your credit rating is brilliant, or that they can see I put regular amounts of a couple of hundred pretty much every 2 weeks, well above and beyond needed. As I said, even now its overpay is over $1000. The card has always been paid and have NEVER had any bad marks against me, and I cant even get an extra $500 on it. It's only a $1000 limit as it is, and they are behaving like I want a $10000 one. It's disgusting Im being treated this way when I have done nothing wrong. If anything, Ive been to good with my payments. Im absolutely disgusted by this horrendous treatment over a lousy $500 increase on a credit card of a lowly $1000 one when I have been a great customer all these years. Shame on you CMC!!! Notttt happpy Jannnnn!!!!

Pathetic , I used my card and paid the balance and they then blocked it and closed it , I rang and they said it was due to reputational risk !!! Don’t even know who you’re dealing with NAB or citi !! But told me to re apply in 3 months !!! Show details

Useless Customer Service and Support – Have tried to get details updated for my mother who is now elderly, they couldn't verify her as their OTP wasn't working. Calls got cut off, language barrier is an issue especially for older people who are struggling. After my mum talking to them and struggling they advised couldn't verify her and that they'd call her back on her mobile. Never… Read more

called back. Useless. Gave up will just pay it out and tell them to stick it. Has been with them for years and they've always been painful to deal with.

Customer service at its worse – These call centre operators with their heavy accents deliberately prolong the call as they get paid by the minute. Not by me thank goodness! You often have to call back again and again as they don't provide the service (?).you require. For the second time in a short period I have had to contact the Australian Financial Complaints Authority to get… Read more

through to these incompetent people! When user name isn't found despite trying to log in a thousand times there is something wrong with the system. When I tried to lodge an email complaint to tell them I was taking the matter to the AFCA I got the try again when I pressed Submit as their system was down. Or was it?! If you could die of frustration I wouldn't be sending this review. Avoid at all costs because they don't care.

what a hassle – i wish oh wish that when thay eventually talk to you after an interminable wait on the phone that you could actually speak to someone who doesn't have such an unintelligible, undecipherable strong foreign accent. please let us speak to Australian people!!!!! this is not racist, merely convenience and customer service. Show details

Incapable of processing a BT – I've contacted Coles FS 6 times to process my BT and if it doesn't happen this time, I'm cancelling the Mastercard. #1. Applied for CC AND BT (submitted all BT details) #2. Card arrived. Called to activate and had to go through full BT application again over the phone. #3. Received a call due to suspicious activity on my card. Told them I'd call… Read more

Coles FS for security purposes and called back minutes later. Card had been suspended by the fraud team during this time. Unsuspended it and processed the BT again as it had been declined. #4. Received email from Coles FS saying the application couldn't be processed due to records that don't match. Called and went through process again. #5. Received the same email. Repeated the process. #6. Received the same email. Called to cancel but decided to give it 1 last try. The lady on the phone told me my account was blocked. Explained the story - actually the request is still active! My goodness. Went through all details again, they match. She finally said she'd ask for an update from BT team but I have to call back in a few days to get this update. There seems to be terrible communication between the teams and their processes don't seem to work. Either their staff aren't trained in note taking or customer history is not clear in their CMS system. Seriously, how on earth does the fraud team not know that their BT team are processing a BT!? The BT offer is good enough to give it one more try and if it works, I won't need to deal with them again until the balance is paid off and I cancel this card! Update: I finally cancelled the card. After the 6th time trying to process the BT and having it fail again, I gave up and cancelled the card. They didn't even try to keep me as a customer. They must get that many cancellations, they don't bother. Turns out if was a blessing in disguise as I found a better BT offer with Virgin.

Can't solve my simple account login issue – Called 6 times over more than 1 months to resolve a login issue, which got worst overtime to the point on my 2nd call, i was recommended to use the forget Username and Password feature while login, which request me to use the 'super secure' One-Time-Pin (OTP). That is where my worst nightmare started, never been able to receive my OTP and when… Read more

calling their their service center, the standard rubbish responses e.g. browser issue, account reset requires 24 hrs reset, your telecom issue not issuing the text msg from unrecognized number, etc, etc. its never their issue and no follow up. My patient run out on the sixth call and cancelled the card. What a relieve !!!!!

I would give 0 stars if I could – - Incredibly difficult to get a hold of a person in a call centre at times - Incredibly difficult to understand the person in the call centre, and they have difficulty understanding my husband - Was told they'd block payments to a scammer and then there were more transactions after that, we had to follow up several times to get it sorted out - Was… Read more

told our account was closed when we paid the balance and requested closure, even have an email stating it was closed except it actually wasn't and has caused major issues when we tried to refinance our mortgage - Went to refinance our mortgage with another lender and this card popped up in their credit check stating that it wasn't closed, turns out we have a balance of 2 cents, TWO CENTS, yet had not received any notification of that, nor that this might have prevented our account being closed - Was told that our account was now actually closed and that we'd have a letter stating that in 24-48 hours so that our mortgage refinance could proceed (no surprise, we didn't get it) - Was told again that we would have the letter after explaining everything again (at this point it's now costing us money

The staff are mostly nice, I think it's more the language barrier and the systems they have running behind the scenes that cause the problems, I've given a low rating for customer service because of this.

Very FRUSTRATING to deal with and they've caused us a lot of stress and a lot of wasted time.

If you have a Coles Mastercard just get rid of it and then make sure they do everything they say they're going to do when it's closed.

If you're thinking about getting a Coles Mastercard, don't.

Worst customer experience – Unable to hear them, said they sent me mail and called me when they didn't. I don't know how Coles can associate with such a poor arm of their brand. At the end I was unable to prove I didn't make an illegal transaction and really questioned my card insurance. So I canceled and left this review. Show details

Please read this before considering applying for a Coles credit card! – . I had a Coles credit for years but did not use it for one year as I used it only for shopping at Coles. . They did not renew my card / cancel it because I did not use it for one year. . I recently applied for a new card and provided salary slip, name of employer, medicare card as requested on their website. . They contacted my employer to… Read more

confirm I was working there and asked for a 3 month bank statement (not requested on their website). . I called them (in India) and asked to talk to a supervisor who did not want to provide me with his name and then hang up on me when I said that bank statements are showing too much information that I do not feel confident to give in this time when we are suffering from scammers' attacks. I am giving you those facts for you to consider before applying. I have decided to withdraw my application not only because it is a hardship to get a simple credit card from Coles card but mainly because I do not trust them with our money! Kind regards

Do not use Coles Mastercard!!!!!!! An absolute joke of a company – This company is ridiculous to deal with. The reward system certainly does not benefit when dealing with company. All over seas based. Have no understanding of Australia and the locality nor ways things are done here eg. credit card sent to addresses. Best advice… find another credit card company. Worst customer service EVER. If I could give 0 stars I would. Show details

Disgraceful customer service – Poor to nonexistent language and communication skills. Unhelpful, uninformed and contradictory, if not outright dishonest advice. Phone gets cut off. Unable to solve a scam issue in a timely and efficient manner. Several long, inaudible calls have been made and issue still not resolved. Absolutely disgraceful customer service from Coles. Recommendation: Zero Show details

Incompitant staff, worst customer service you'll ever experience – Customer service is incompitant and that's if you can get through to them. Worst experience I have ever dealt with, avoid like the plage. Don't waste your time dealing with them. Show details

Every time I want to log in I have to change password – Every time I want to log in I have to change password. Unable to get to anyone on the phone. Shocking customer service. If this is not fixed this week I will destroy this card and close it. Show details

Absolute joke of a company – I called to increase my credit card cap before the card capped its low limit. the customer rep i spoke to made me answer all these questions to authorise myself and when it came to actually increasing the cap, she put me on hold in which i sat there for 10 minutes and then she hung up. I called days later to which the low limit has now capped in… Read more

which they told me because the card has capped its limit, they cannot increase the limit. the people are morons, do not waste your time with this sad excuse of a credit card company