Low $58 Annual Fee
Low 12.99% p.a. Interest Rate on purchases
flybuy Points can only be earned at Coles Supermarkets at a rate of 0.5 flybuy points per $1
2.5% International Transaction Fee
Free Delivery no longer valid
I applied this credit card because it stated that if you make a purchase over $100 from Coles, then you get free delivery. This was good in the beginning as I used it few times. However sometimes this year I have received a notification from them saying this will be stopped. This is disappointing as that was the main purpose why I have gone through the trouble to apply for this credit card as an addition to another credit card that I already have.
As a result I have not used this credit card since.
Don’t go near one
I’ve just cut up my new card that took two months to arrive after sending three cards before getting my address correct. Forgot to mention to me that they had also sent the additional card to to wrong address and then had the cheek to say nothing could be done about it because the ‘additional’ cardholder hadn’t been in touch to complain. Really?
Applied for coles mastercard, staff calls in, asks for id verification and few details about my current job where I have been working for 1 year. After few minutes, got an email that says my application was unsuccessful without even asking for more documents to support my application.
Let the banks do credit card service and just sell groceries Coles!!!
- Verified customer
No compliants here
Have had a Coles Low Rate Fee Free MasterCard for at least a couple of years now. I use it for all purchases, pay it off every month so I don’t pay interest. Have linked it to my Flybuys account so I accumulate points with every purchase. There are no negatives for me. I haven’t had to contact the company with any queries so can’t rate the company on their actions when queried on something.
Staff lie to cover themselves
Applied for this recently, got rejected. Guy on phone said they don’t accept casual employment less than 2 years and that I should have read terms and conditions, which I did but couldn’t find anything relevant. Obviously just trying to cover his backside. Thanks for lowering my credit rating. Won’t be applying through them again.
- Verified customer
Great Card....Love It!
This is a great little card. No annual fees, low interest rate. I don’t pay any interest as I pay my card off every month. Can attach it to your flybuys account and receive 1 point for every $2 spent anywhere. No ongoing fees, can speak to someone 24/7 if you have a problem. Often have promotions running with flybuys which new customers can receive $100 in renumeration. BPay is usually paid by next day if done before 6pm day before, even on weekends. You are notified of all payments, and large transactions which great. Have not used it overseas.
How hard is it to close a coles credit card?
Very hard apparently after numerous emails an "online chat" and then a phone call, Coles will reverse the annual fee which was charged 2 months after a request to close the account. The process is you have to pay the fee, then they will refund the fee and send a cheque after the next billing cycle! Well played Coles thankyou for inconveniencing your customers
Terrible customer service and false advertising
I applied for a Coles MasterCard as a result of a promotion they were running (and still do run pretty often to attract new customers). To get $100 in Flybuys points, you had to apply for a credit card, make a transaction within 30 days of receiving the card, and within 30 days (or four weeks, can't now remember which) you'd receive the bonus points. I fulfilled these criteria but after waiting for the specified period of time, did not receive my points. I contacted Coles MasterCard over the phone and the person confirmed I was eligible for the...points but I'd have to contact Flybuys to follow it up. When I contacted Flybuys I was told to chase it up with Coles MasterCard. I wrote to Coles MasterCard and received a barely comprehensible response - in very strange language, the point seemed to be that I wasn't eligible for the bonus points, which was simply false, or at best false advertising. When I responded to say as much, I received the same garbled response. Upon phoning Flybuys again, I was told there was a known delay with points being distributed but that I should have them within a couple of weeks or expect a call from Coles. No call. I went overseas for two months and upon return, still no points. I phoned Flybuys again, they gave me the same message (I'd receive the points within ten working days AND a call from Coles). Still no points or call. I'll be calling for a third and final time soon before cancelling my Coles MasterCard either way. This is extremely poor customer service and it makes me want to walk the extra distance to shop at my local Wollies instead. I've had it with Coles. It's now been just under five months since I received my card and made the required purchase.
Apalling customer service attitudes
Advised change of address.
3 months later ordered new card.
Sent to old address.
Cancelled and reissued. They advised will send via express post. Advised 1 to 4 days delivery.
4 days later rang and asked for a tracking number to check with Australia Post. Advised they don't have this info.
Spoke with Account Manager who advised will track it and ring me the next day.
No phone call received.
Spoke to another Account Manager called Enzo said there's nothing further they can do.
Got the impression that he couldn't give a rats and wouldn't try to help. I was very insulted by the tone of voice and lack of care and understanding about my situation.
Has anyone else had issues with them?
Cheating customer sayings balance transfer. A transaction called “interest charge on retails” it is the interest on our balance transfers. This is the answer I got from the staff while I was questioning about it. So I ended up paying my balance transfer amount early. So customers please don’t go with coles credit card if you are looking for balance transfer.
Time Wasters and very invasive
I applied a while back, and without asking they contacted my employers to verify I work there. My employer was annoyed because I hadn't told them, they made myself and my employer send them a lot of details on top of what they initially requested, even though I'm earning way above the $25000 they rejected my application anyway after all of that without specifying why. I'm a citizen, earn decent money, have a great credit rating and sent them everything they asked for.
I was so mad I avoided coles completely for a while. After speaking with a ...few people who are way worse off financially than me who have been approved, I decided to reapply and hope they don't mess me around, but now they're saying my address doesn't exist??? I've never had any bank/shop/anything reject my address before! All the call centers are overseas and no one is really that useful. I decided to get a credit card with a different company, the application took 4 minutes and I was approved a few days later.
Questions & Answers
How do I make payments on my card balance without setting up a direct debit for the due date?
how do i cancel my direct debit authorities
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