Coles Rewards Mastercard
Verified342 reviews
So some scammer tried to use my card and the good people caught it and froze my card I rang them they were super helpful and a new card was issued. Fast forward 8 days I rang to ask where is the card they issued - id*ots forgot... They promised they would express post it and it will be in my hand in 1/2 days tops. I was given an option of lodging… Read more
a complaint cause apparently these clowns thought I need to spend more time doing their job by chasing my admin Two days passed - credit card nowhere to be seen. i guess Coles disastercard was not finished wasting my time just yet. I applied for another card and will close Coles sometime this week. Whether it's supermarket or financial services - Coles is not a great choice...
This is a hard product to review. If you are looking for a basic card that gives rewards, the Coles Card rates highly. It is free (no card fee) and earns you Flyby points that can get $$ off your Coles shop or other Flybuy rewards. I use it for… Read more
dollars off shopping. BUT IF YOU HAVE A PROBLEM, EXPECT LONG PHONE WAITS AND A LOT OF FRUSTRATION. The customer care system needs fixing.
Follow-up · Nothing has changed. After many phone calls, it was decided that the only option was to cancel the card and reapply once the account was fully closed. That was three weeks ago, so I called yesterday, to be told the account was finalised and I was to receive a credit due to overpayment (which I knew). Yet I had to contact them to get my $$ back.… Read more
Avoid at all costs. If you cannot get an application submitted smoothly, then better not have a headache of getting a bad quality credit card with a poor service. It is just logical Show details
Reviews with attachments
Can’t even sign up even after being approved – I had been a customer before with no issues but this time round my last name has been incorrectly spelt meaning I can’t verify my I’d to so I can continue the process. I have sent an email as requested with a copy of how my name is meant to be spelled but nothing has changed in over a week and no one contacts you within the 24-48 hours but they do… Read more
tell you to wait another 24-48 hours which has made me very angry cause nothing has been sorted so I’m no closer to a resolution. I’m contacting the Ombudsman and recommend anyone else having unresolved issues do also.
Works okay unless you need to make changes – Reported a card lost 'knowing' that I would be able to access the funds using Apple Pay whilst waiting for the new card as shown on the website. The following day I received SMS and emails saying they cancelled the card in Apple Pay on all my devices 'at my request'. When I phoned to get that fixed (I did not initiate that) Call Centre staff… Read more
firstly said the website is wrong and reporting a card lost cancels it in Apply Pay. Then said they had nothing to do with Apple Pay and couldn't cancel cards on it. Then said they had cancelled them because I'd used 'Find my phone" (which I hadn't). When I requested they enable Apple Pay again. They refused, said I had to wait to receive the physical card in 'around' 5 to 7 business days. They apologised and said they would organise priority delivery of the card. In doing so, they cancelled the new card that had been issued the previous day. Since then I get an error message when I try to log into the mobile app (7 hours so far).
Worst ever – Everything was ok until we reported fraudulent transactions in Mar 2023. Since then Coles fraud investigation team claimed that the purchase on a digital wallet as a result they can’t reverse the transactions. We have rang our Telco and ask if the SIM card was ported to another device which it is not. My wife does not know how to use digital… Read more
wallet and hence ApplePay; it was set up for emergency situation, we explained that and it was to no avail. Coles can see this, but no they say on the balance of probability the purchased were authorised with our knowledge. So now we have to pay back 4 transactions totalling just over $2k.
Regrettably we will be canceling this credit card. If you are thinking of this card, I won’t recommend it.
Horrible customer service, dishonest – My husband applied for this card because of the promotional offer of $150 off a Coles shop. I took a screen shot of the offer because it's not uncommon for them to not honour these offers. Sure enough, Coles has given him only $100 off after meeting the conditions instead of the advertised $150. He contacted them to have them correct their… Read more
error but they remain adamant that the offer was $100 despite him sending evidence of the offer he applied to. We've both had Coles credit cards in the past and this is another reminder why we always close them. The customer service is horrendous and it's not an honest company.
Beware Fraud Transaction being charged by Coles. Change the company – My wife used her Coles credit card to remit $5002.90 through Western union overseas. But I cancelled the transaction at Western union and was refunded back to the account within 2 days of transaction. Coles being sweet (sarcasms) put in a payment plan with lower interest when the amount was deducted and started to charge me $105 for the plan… Read more
(point to note this is charged after money was credited back to coles). which even customer care, complaint department couldn't explain as to why I am charged that amount. Height of fraud is that Coles realized it seems that the amount is refunded back to the account so they cancelled the plan "debiting my account with $4897.74" ( which when calling customer care I had to explain as they couldn't understand saying "it so complex" after I put an escalation.) And the complaint is still not resolved :D And I am still 5000$ down. If I wouldn't have checked and followed up so far (total of 8 calls). Still unresolved and this month again I am charged - cash advance interest , installment plan interest charged along with Retail Interest + 5000 down from last month which is still unresolved. I am sure they might have done this to other customers as well; please Beware
Latest follow-ups
For the last 3 months I have had problems with login to my account to retrieve my monthly statements. I have spent many hours being shuffled around every month with no result. This month, April, I am still unable to access my account. Spent already… Read more
2 hours with the various departments, only to be told to try again in a few days. I have tried again with still no result. Calling they again today and the wait is 30 minutes. If they are having a problem with the new system perhaps they need to send out monthly statements until these errors have been ironed out. I am at the point of tossing this card into the too hard bin. I trust that they will sort out the problems quickly, as it is so frustrating.
Follow-up · Staff are extremely helpful and tried their best to help but still have the same problem. Waiting times over the past 3 months have exceeded 7 hours. The alternative is that they send monthly statements via post at a cost of $2 per month as I cannot access their online service.
We had a shortfall of $7.90 in February. The following month, we were charged $19.80 in interest payments and the month after that, another $8.00. So, in total, $26.90 in interest payments on $7.90. Approximately, 400 per cent interest which equals… Read more
2400% annualised.
Coles has also decreased the interest-free period from 55 to 44 days and has begun charging 3% on all international transactions. Coles can't tell me what its benchmark is for international exchange rates, so I assume Coles just makes up whatever the international exchange rate it feels like.
Follow-up · I cancelled the card, but Cole's supplier -National Australia Bank - couldn't care less. Nobody bothered to ask why they were losing out on thousands of dollars a year. Which only means they are happy to rip people off with usury charges.
When will Cole’s stop sending a statement by mail. I have complained for months about stopping the mailed statement. Happy with the app.and an email update. Please stop send the statement by mail! All my details are up to date and I pay regularly. Please, please, PLEASE stop send the statement out by mail. Show details
Follow-up · Hmmmm…. 2 months later and I’m still receiving the statements by mail. When will it stop! Next step,maybe I’ll need to close the account. What a pity as everything else is great.
Recent reviews
I was contacted by the team at Coles Mastercard as they had detected a fraudulent charge. They quickly and efficiently helped me resolve the issue. If not for their excellent processes in identifying such transactions, I could have been out of pocket for a substantial amount. I am so grateful to the Customer Service team in the fraud and dispute… Read more
departments. The staff were professional, knowledgeable and very friendly. I could not be happier with the service provided.
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It's so frustrating i still couldn't log in. Id like to check the activities of my account on a regular basis but seems impossible when the system wasn't working. I've asked for a new card. I called 3 times to activate it and it's each time I was told they couldn't help me as the system is not working and again i was told try to call again next time. Show details
COLES FLYBUYS – DON’T WASTE YOUR TIME Recently I lost my Coles Mastercard credit card. There was a bar code on the back of the card which I could swipe to get Flybuy (reward) points. It took 2 weeks to get a new credit card and it did not have the bar code for Flybuys. I rang the Flybuys office to request a Flybuys card. It arrived almost 2… Read more
weeks ate. During the period I was without a card, I made a total of six purchases at Coles totalling $665.69 . I tried to ring Coles Flybuys to see if I could still get Flybuy points for my purchases. I was told that I needed to send a copy of the receipts. Their e-mail system is not working so I needed to use the “chat” facility. I scanned the critical information on the receipts (date of purchase and items purchased) but left out the advertising sections. I was told that I needed to send copies of the full receipts. I did this but these were not acceptable because they were not ”clear” enough. All this was done over several sessions on the “chat” line which involved at least 10 minutes of waiting each time for them to come on line Eventually I gave up! I could understand if large amounts of money were involved but only a small number of bonus points were involved. I wonder if management have worked out the cost of staff time in dealing with these claims versus the cost of the points they did not issue.
This Company Coles has gone from bad to worse I have spent the last 7 days on the phone and the computer trying with no success to access my mastercard A/c .I do not know how many times I have been told how to do it considering before the programmers changed the system everything was excellent THEN all hell broke loose and we now have to go… Read more
through as many hoops as a circus performer to prove we are human at least 4 times and GOD HELP YOU without a mobile phone 6 times numbers sent . If you do not have a mobile Coles can do you a deal on Optus? The whole process is not the old KISS method {keep it simple st^pid} and some safety factors Please Coles Management get your act together and sort the people out or put AI in place probably far more with it.
If I could give no stars I would. A similar thing happened to us 10 years ago, regarding an over seas car hire. We were charged for damage, a couple small dents, in odd places like the roof, so hard that you could not see unless the light was right. The car company has been noted for this prior. Coles phone line was absolutely shocking to get thru… Read more
to, then mucked about, ended calls, hours on the phone etc etc. We sent all supporting documents, for coles to only say in the end they complied and they were still to charge us. We basically told them how to do their job, like request the last 10 car hires details. As from what we're told they would have charged same dents prior, on people that take out others, not the companies insurance... Terrible service amongst it all.
I don't like writing negative reviews, but dealing with Coles' credit card team today, 3/3/2026, to obtain a statement was the most negative customer service I've experienced in 50 yrs. Who would have thought a customer requesting a credit card statement would be unable to obtain one after two hours on the phone to the credit card team? Clearly… Read more
Coles are out of depth, and I think it has a case to answer for not being able to provide a credit card statement. One star given so I could send this review.
This company helps the scammers there. They reimburse your money and after a couple of months after they will charge you the again and they will say you can’t re-lodge the dispute and they will say you have to pay the money. You don’t have any choice. Horrible company and horrible cup customer service. My advice is don’t take a credit card from the Coles instead up from here other company are better than this company. Show details
Can't complete the application for the card, the website loops and then states something went wrong. You call the support help line, to wait for someone to ask you to redo what you have just completed. What a waste of time. Show details
It is extremely difficult to log in, and I can’t even check my transactions or balance. This is incredibly frustrating. Can Coles please create a better app? I can’t download my statements, and I end up getting charged interest because I don’t know my balance until the paper statement arrives — which is always very late. On top of that, the “Contact Us” and live chat options are never helpful.
Massive red flag.Do not ever do business with Coles Mastercard.Continual harassment and threats even when you pay on time and it’s just another job you have to do to rectify.Absolutely horrible company to deal with.Doesn’t matter if you are a great customer.Never have had trouble with any other companies EVER. 0/10 Don’t risk it
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Disorganised chaotic nightmare. We applied for the interest free low rate Coles credit card 3 weeks ago. We’re currently moving into our new home rather quickly due to our landlord selling and our newly acquired house needs a few renovations before we move into it. However, from the first minute after applying for the credit card it was a… Read more
disorganised chaotic nightmare. The site crashed and we had to call them the next day to ensure our application went through which they confirmed but after complete silence for 7 days we thought best to call them again. First they said we didn’t have an application, then after 20 minutes they worked out we did. Then they said my credit report had a loan which we had already added to the application. But she couldn’t understand the secured car loan had a different amount to the original list amount due to the fact it was 2 years into it so had already been partially paid off, and so she put down we had 2 loans even though we told her no. Then we had to send them a closure letter for a loan from 2 years ago that had been paid in full. We sent this to them 10 times over 5 days. And called them each day to ensure they received it but they kept on saying they hadn’t got it. My wife ended up sending it to them 5 times in a row which they got and then blamed us for crashing their system.
After telling us that they finally received it and we would have our account sorted by Friday the 28th, we called Monday the 1st Dec for them to tell us it was sent to the wrong department and it would be another 3 days.
Safe to say we cancelled the application then and there and applied for lattitude finance with a 9 month interest free period and got the account activated Tuesday evening, 1 day later.
I think Coles should stick to their over priced food items than go into dealing with peoples finance. .
Does not integrate with Xero. If you are a business and looking to integrate with accounting packages such as Xero this card is not the one for you. What makes it worse is there is no export function to manually import. Show details
This new Coles credit card app is absolutely a disgrace product, dont understand why this provider would provide an app that's not user friendly, the worst is not working with its login function. Since I have received the notice of this new app to be replacing the webite sign in, no matter how hard I tried following the instructions, the login was never successful. It just shows how incompetent the developer is!!! Show details
Coles credit card is okay - I have the Platinum which is supposed to be a 55 day zero interest card. They recently reduced the zero interest days from 55 to 44. They also updated the app which is fine (the old app was fine too). But they've also… Read more
updated the email format. It used to say how much the monthly statement was and when it was due by. Now it doesn't say any of that. An email which is less than useless.
The rewards are easy to earn as they're flybuys and easy to redeem. Can be redeemed for cash towards your Coles shop, prob Kmart/Target too. I don't use the card overseas but transferring a balance to this card was easy.
Follow-up · There was an update to the app a few months back. It now comes up with a reminder (every time) you log in that you need to have successfully linked your credit card to a Coles account before logging in - probably due to the changeover. I find the app to be reasonable, but others review indicate there are issues. I don't know what more can be said… Read more
I tried twice to apply for a Coles no fee Mastercard and it has been one of the most infuriating experiences I’ve ever had with a company. The bad experience has nothing to do with credit score etc it was purely the companies terrible system and bad support service. Three weeks ago I was told my new card should arrive in 5-7 working days, today I… Read more
rang customer service and was first told the card had been dispatched then the line went dead, rang back immediately and was told my application still has no outcome and I just have to wait, that was the last straw I’m done and will be applying elsewhere. If I could give 0 stars I would.
Terrible! Ever since opening the account i have issues logging onto the app and on a PC. Today i am going round in circles, call support, transferred to the "Right Section" can hear people in the back ground then the call is terminated. Close My Account! Once i can see whats been put on the card that we have not used for over 2 months now but you keep taking money off me! Give me a statement! Never recommend! Dont Bother! Show details
Over a month ago $6500 was fraudulently stolen from my accounts, while Coles MC have been reviewing the activity, I have been left completely in the dark. Without a replacement card i am totally unable to access any online services, including checking on any further suspect activity. I have requested new cards twice which they assure me have… Read more
been posted, the second was supposedly posted express 2 weeks ago. These are to a PO Box so they aren't getting stolen from my letterbox. Coles refuse to give me a tracking number. It is like they are doing everything they can to not let me know what's happening, leaving you completely powerless to having money taken again and again.
After having issues with the new app and it then disappearing from my phone, they are now reverting back to sending out statements in the mail. Received mine today and given 2 days to pay. What a disaster. Show details
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Coles/Nab are totally incompetent and the people associated with peoples plights should have had a… Read more (+2 replies)