For me, one of the standout features of the Coles Credit Card is its low fees. This includes annual fees, transaction fees, and overseas usage fees, so I like to use it when I travel. I also have a low limit of $2000 which is easy to pay. With the wallet app I can easily manage my transactions, track spending, and make payments on the go. They also have pretty good security with pins, messaging when transaction over $100 and also asking for 2FA. While the Coles Credit Card excels in affordability and convenience, its customer service is not so great. I feel this across the board. Slow response times and unhelpful assistance are common, which can be frustrating. Overall think this is a great card and I have used it for years.
I have been using my Coles Credit Card for nearly 2 years. I collect Coles Flybuys points every time I use it no matter where I use it (yes even at Woolworths). I like the convenience of my Flybuys Number on the reverse of this card. Plus no annual service fee. The only Cons are the lack of receiving a monthly statement and customer service team is overseas based.
I enjoy the flybuys points and can accumulate them very quickly with this credit card. I've never had any problems using it. The times I have had to use customer service they have always been able to resolve my problems quickly.
I missed my first payment despite contacting them via chat every day from the due date to confirm everything was in order. Bad advice. They did reverse the late fee which is positive. They would not, however, reverse the loss of interest free days. When i said i wanted to dispute this I was told I would recieve a call from an account manger within a couiple of days. Four days later and nothing. SO I decided to cal, them and speak to someone. Not possible, just ended up in voice mail loop. Verdict: CRAP!
OK, its free and you get FlyBuys, but service is absolutely atrocious. You can only make applications on-line and these are often unavailable or crash. The Call Centre is atrocious- staff cant understand you, and you cant understand them. Despite promising to do so staff do not call-back. Despite promising to fix IT issues this never happens. Its real "Alice in Wonderland:" stuff!
Terrible user experience. App interface and browser dashboard are horrible. Feels as though this provider thrives on a lack of transparency. Had to contact customer service about how to make voluntary payments. If you've set up a direct debit, voluntary payments don't count towards the balance owed so come direct debit payment, you end up double paying if you haven't cancelled your direct debit beforehand. This is flagged but ability to cancel the direct debit via the app was inconsistent - sometimes it worked and sometime didn't (curiously, no issues setting up a direct debit). Experienced issues logging into my account (desktop version). Randomly stopped recognising my login details and couldn't reset my password because it also claimed it couldn't verified the details I has input. Absolute headache. Avoid!
Ever since they were bought out by NAB the service has become horrendous. 3 business days to process an automatic monthly repayment, and payment gets processed the due date, seriously? My card is expiring in November (as off tomorrow), on my last call with customer service i double checked if i will have my new card before my old one expires... today i go to pay for something... looks like my card has been deactivated.
Commbank has always been reliable and easy to use. I have never had issues with them or their products and they continue to exceed my expectations with their technology. Highly recommend!
*** Avoid this Citibank backed credit card. *** I had fraudulent transactions on my credit card and they did nothing about the charges. So I cancelled the account by fully paying it out including the fraud charges. They had the hide when I disputed the charges to mark my credit history. These thugs are dodgy with a call centre overseas and obviously criminals in their ranks. Avoid any of these organisations and their credit facilities
Unauthorised payments were made on my Coles card. The first time I was refunded by Coles but three months later exactly the same unauthorised payments appeared in my statement despite changing both my card and security information. Now I cannot even report this to Coles. The relevant number when called prompts an automated 'system busy' response and attempts to email have all failed'. I believe there to be serious security failures with Coles cards and leakage of customers' data. Customer service is practically non existent and I do not recommend this service
I live in Perth and somehow someone in Melbourne purchased $500 worth of food from Doordash with my Coles Mastercard in August 2022. Nine months later and I am still bashing my head against a wall. You talk to a case manager, nothing happens. You send an email, nothing happens, not even a reply! Now, Coles have issued me with a default letter and placed the account into debt recovery even though I have explained and shown proof it wasn't me. Dealing with Coles has to be one of the worst experiences. They are completely and utterly useless with No customer service whatsoever. Aarrrggghhhhh!!!
If you are a retiree and/or pensioner, don't bother applying. Whichever crowd do their assessing are age-discriminatory. You are automatically declined, but not before several requests are made to harvest as much of your personal details as possible.
I have been wasting a lot of time dealing with them to get the account closure letter . Not yet done still! They said someone will call u within 24 hours, no one. they said the letter is ready and will be sent by today. No ! the next one said nothing is ready. What can I do?
**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.
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