Please be careful when ordering on line with Coles "No Transaction Fee". Unless the merchant is registered (and who knows if they are) there is no fee BUT if they are not, you will be charged! I purchased kitchenware from an online US retailer and my statement shows transaction fee! Queried and Westpac were of no use saying to check with the retailer if they are registered, and who is going to do that when one is purchasing an item??
Will use a 28 Degree card with definitely no transaction fee in future.

If you want to talk to anyone, it will take a long period of time. It took me over two hours to talk to someone. My intention was to lower my available funds, but after the bad experience decided to cancel!

Credit Card - Watch out! five times I have had to ring up and question random interest charges when I have paid off each month balance in full. They just try to sneak these extra charges on.

Well I reviewed this card about a month ago when I thought I had finally escaped its clutches (one of the most difficult and frustrating things I've ever attempted) and I gave it one star. That, it seems, was pretty generous. We had an automatic deduction for whatever the balance was in place, it seems that Coles have allowed a direct debit for a charity through after I cancelled it, now I have the $50 charity charge plus an 8 cent interest charge and a $30 late fee.

I'd rather deal with overseas scammers, at least I would know what to expect.

I wrote a positive review last year, just after getting this card. What a mistake! I could not access even the simplest information, without first waiting for a text message containing a one time pin number. The website was also very clunky to use. I cancelled the card last month and received notification from them, on closure, that any outstanding transactions needed to be paid (of course!). I assumed that the final payment would be direct debited as usual. I was very surprised to receive an email informing me that I had to pay an overdue payment fee. I have since contacted them and the fee has been reimbursed, but just a warning that if you close your account, make sure you cover your back.

As a regular Coles and Shell shopper, this card appealed to me. The sign up process was straightforward, as was requesting an additional card for my wife. Within 2 months, we have recieved our 100,000 bonus points plus a massive boost to our regular Flybuys points. Great card, I am looking forward to what happens over the next 12 months!

I have applied and got approved for master card with 120K flybuy points
However I only received 50k points. I have been told I only have promotion codes for 50k. What a Joke!
I wouldnt keep this card, will cancel it. If they can cheat once then they can cheat twice

New cards were issued and did not get informed at all. Accidentally found out when another card no. just appeared in my online profile. Also when finally got unwanted new card, then you cannot sign on rear of card. No pen at all works on the plastic strip. Appalling. Then you wait on help line and 30 mins on hold min. Ridiculous and not worth it.

Submitted required documents. Kept getting calls from them when at work. Returned their calls and was told no updates and to wait for updates. Did not communicate via email during the process but kept calling and bothering the apllicant . Would not recommend to anyone.

Read the fine print in Terms and Conditions before you sign up. The advertisement for this promotion states that you will receive 100,000 FlyBuy points when you spend $3,000 in the first 3 months, but this is incorrect. You have to spend $3,000 on ELIGIBLE Spend, as determined by Citigroup/Coles. Most of the other company Credit Card Promotions contain the word "Eligible" in their Advertisement. Citigroup/Coles have buried it in the Terms and Conditions. I will be cancelling my Coles Mastercard today.

Since Citigroup started managing Coles Mastercard, things have gone downhill terribly. They cannot sort things out properly and you always get bombarded with offers. Lots of phone calls and emails. Very persistent and irritating marketing ploys but not actual service or care of customers. There are cheaper cards around with less interest rates and rewards attached too. Don't bother with this company if you think you deserve to be treated with respect and courtesy.

I got stung by the $2.25 over-the-counter transaction fee for making a payment to my account at an Australia Post store. I never even knew there was such a fee.