One star is WAY too many for this review.

What a bunch or morons these guys are. Applied for a Coles MC, submitted every bit of paperwork requested, they called up a few days later and asked for another pay slip after supplying 2, said that was all they needed, then rang again after 2 days to ask for the previous years tax return after supplying them this years one.

I just got sick of the red tape, and told them the shove their card into their cavity and cancelled the application.
Seems like like that even if you earn double of what the...Read more

So have been a fan of the coles master rewards card up until a week ago. So what happened was I disputed an unauthorised transaction a month ago which resulted in the card being blocked; cancelled and reissued. That was fine, got a credit against that fraudulant transaction. Last week, i discovered to my horror that another unauthorised transaction was made against that same "blocked" and "cancelled" card. When i called to ask how that is possible, i was told because the highest block hadnt been applied. Anyway, so I lodged a dispute and 6 days...Read more

Coles Mastercard (now with Citi) - folks with >>primary<< and >>additional<< cards to one account should check their accounts online. In my case it can show 'balance available' over $5000 different for both cards (on one account). I've lodged a complaint with the ombudsman, Citi called - said that's how it is, and quotations:
--- "Ombudsman cannot tell them how to display available balance"
--- "It is their accounting and it will stay that way" as "online account login is only supplementary information to monthly statements"
--- "If I wanna ...Read more

I've been a Coles credit cardholder for many years but I was recently told that my wife's card would be disabled soon unless they could get all her ID details again. These were all previously supplied but I guess they've lost them in the move to Citibank. I asked whether I could provide them over the phone and they said that she would have to create an online login and fill in the details there or call back herself. I'd had enough. We moved all our transactions to another card. Interestingly my wife accidentally used the card a couple of days...Read more

I have had Coles Mastercard for some time, and in this time, they have sold the card out to three different companies. Now trying to deal with CitiGroup with a terrible experience, to outsourcing to the cheapest international call centre possible. Communication is extremely difficult, as they are unable to understand very clear instructions.

Because I didn't activate my new card prior to being sold off to Citibank, i was unable to active the online service to check account balances, and because i called to complain they advised me that i am...Read more

I have had a Coles MasterCard (Platinum) for many years. When I first got the card it had great reviews and was by far the best card on the market. Unfortunately since Citibank took over I have had a number of issues. The transfer to Citibank and the re-registration for their website was badly organised and the website didn't function as intended. Often I can't get a statement (says there isn't one) and when I have contacted their helpline I get a condescending email back with instructions on how to download the statement. They didn't rea...Read more

I applied for a Coles Rewards Card simply to bump up my Flybuys points. Financial history A+, income very generous (6+ figures), no dependents, no other current credit and only wanted a $2,000 limit to cover groceries and fuel. Card was always going to have money available on it (I didn’t put this in my application, it’s not asked or their business). I just wanted to get double flybuys points when I shopped at Coles. Been regularly shopping with the Coles Group for 30+ years. Magnificent purchasing history. However, Citibank mustn’t have seen m...Read more