Coles credit card could be the worst and most insecure credit card provider ever in the history. I lost my card 3 weeks ago and I reported it on the same day - no one should be able to use the card since then. But guess what? 2 weeks after, one successful transaction occurred and I chat to their online service and the agent told me to call them back a few days later so she could put a dispute for some reason. Then a second one was successful again and I called Coles. The agent said that she had added a sort of blocker to stop this happening ag...Read more

I made one of the biggest mistake in getting coles credit card. They are the worst ever service I can ever use. There verification team can torture you anytime whenever they want. First they will approve your application and send you a message that you will receive a credit card soon. This will be marked in your credit history file now. And they start exploiting this point. After your application is approved there verification team will call you daily and ask for very niche and personal documents and even they want access to your Job's manager ...Read more

I've had this card for a number of years now, and with a two point flybuy earn per dollar spent it seemed like a fairly good option at the time (but only if you are likely to use the card heavily enough that the equivalent point earn exceeds the $99 annual fee, which does not make it that great anymore). Anyway on boxing day last year I had hundreds of dollars of unauthorised transactions racked up on the card by what I assume was some hacker who stole the details somehow. I have never had such a thing happen before. Contacting them to sort it ...Read more

When you transfer fund into the card or pay your statement, it takes 1 business day to be processed and another business day to become available for use. This is absurd given the advanced technology in this era, 2 business days for a fund to become available is very inconvenient. Most credit cards in the market will have the fund available within 24 hours if not immediately. I called to have my credit limit increased from the initial approved $2000, but was told I could not increase the limit within 9 months of card approval, while over this pe...Read more

I signed up online and submitted the required documents. A few days later they called me stating they wanted extra payslips to support my application which I did. A week after that they called again saying that they needed to talk to my manager or payroll about why the company is different on my application to that stated on my payslip. I told them that it states the parent company under the logo on my payslip and that we are a subsidiary company but they didn’t seem to understand (lost in translation). I call payroll to get an authorisation co...Read more

Coles decides to send new credit cards to me. The only reason given was that they wanted me to have the new look. They didn’t tell me about this. The first I knew they had cancelled the card I did have. They had sent the new ones to an address I’ve never had In a state I’ve never lived in and they were sent back. I then incurred 100s in dishonour fees from all the institutions I had recurring payments with because all my payments started bouncing. When I worked it all out I contacted Coles. They then said new ones couldn’t be issued for a month...Read more

I had an insurance claim denied about repayment of my coles Mastercard and then 3 years later it was approved. The money was paid back onto the credit card (which was already paid off!) The account is now sitting in credit and coles/city group are refusing to give my money back. I have been trying to get my money back for over a month and they keep saying they will process the refund, but it never happens. Nothing to do with the credit card is Australian based, it is all based in Manila, so it impossible to get any sense out of anybody. The sta...Read more

Likes:
* 2 points per every eligible $1 spend. I channel all my expenses through this card. Pay it off in full each month (i.e. never incur any interest charges). Once a year in Dec I avail myself of total points accumulated ... .... via Coles supermarket grocery purchases (the flybuys deals themselves are a bit of a rort, you're better off buying what's on offer there directly elsewhere at any time, let on on the sales days). Do that diligently & then this makes for a goods rewards card option in terms of all of these on offer out there (I get...Read more

The Coles MasterCard has been great with the virgin / flybuys rewards BUT...
Had the card stolen from a bag snatch. So I called them to replace the card.
Good identification process, they recognise your voice when you call... tick!
But after two weeks no replacement card... to my PO Box number!
So it couldn’t have been sent.
Called them again. Not an Australian call centre. So it was difficult to understand the clipped accent.

Constant phone texts about promotional material. No updates on the replacement of my replacement card. I’m a good cus...Read more