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Money Hack: How to save at Coles with eGift cards


Play your cards right and you could save between 4% and 15% on your supermarket shopping.

The cost of groceries can quickly eat away at our bank balance, so even a small saving can make a difference. This hack is a really simple way to save on groceries by paying with digital gift cards for Coles (eGift cards).

The Hack

Many companies offer reward or benefit programs that allow you to purchase eGift cards at a discounted rate. This includes electricity providers, banks, car insurance companies and employee-benefit schemes or platforms.

If you have a membership with any of the following organisations, you can buy gift cards for Coles at a lower rate, then save when you use them to pay for your shopping. For example, you could buy a $100 gift card for $95, which is equivalent to 5% off your shop.

Provider/organisationeGift card discount (or % equivalent)Other details
AGL Rewards5% offTo register, log in to your AGL account and follow the prompts to activate AGL Rewards.
AANTUp to 15% off (discounts vary by store and offer)To purchase, log in to your account and click on the “eGift Card” link.
Employment HeroUp to 5% offLog in to your Employment Hero account, click on “My Life” and then “Hero Shop”, where you can buy gift cards.
ISIC (International Student Identity Card)5% offValid for ISIC, ITIC and ITYC members. Just log in online and go to the “Discounts” section.
Member Advantage5% offIf you’re a member of a union or specialised, industry organisation, you may have complimentary access to Member Advantage. Sign in, then search for “Coles” to find the eGift card offer.
RACQ4% offRACQ members can register or log in to RACQ Gift Cards and purchase Coles eGift cards to save 4% on the retail price.
Suncorp Benefits5% offAvailable for Suncorp customers, the Suncorp Benefits program gives you discounts of up to 15% for a range of retailers – including discounts on Coles eGift cards.
Seniors Victoria4% offTo get this offer, visit the Seniors Victoria eGift card page on the Spendless website, click on the Coles eGift card value you want and follow the prompts to complete the purchase. Note that you will need to create an account on the Spendless website and also need to provide your Seniors Victoria membership number.

A couple of other details to note: There may be limits to the number of eGift cards you can buy. Some companies also apply a surcharge for credit card payments. Check with the company that you’re buying the eGift cards through to find out the limits and fees.

Also, Coles eGift cards are only accepted at Coles Supermarkets. While this includes metropolitan Coles Central locations, it excludes Coles Express and Coles online. But if you head to your nearest Coles Supermarket, you can just present the eGift card to a staff member when you're paying – or type the required details into a self-serve checkout – and you’ll enjoy these savings.

More of a Woolies regular? Then check out our previous Money Hack on saving with Woolworths eGift cards instead.

Finder Money Hacks is a weekly round-up of the latest tips and tricks to help improve your finances. Check back every Saturday for new hacks.
Picture: Shutterstock

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