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Woolworths and Coles Supermarket Gift Cards

Here's what you need to know about buying and using gift cards at the supermarket.


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Both Coles and Woolworths offer gift cards that can be used in participating supermarkets and with a wide range of other retailers. These products can be a convenient and thoughtful alternative to giving someone cash, while still offering a similar level of flexibility.

However, gift cards are subject terms and conditions that you’ll need to pay attention to as both a gift-giver and receiver. Here, we explain the different gift cards available from Woolworths and Coles, how they work and what you should consider when looking at these two supermarket options.

Compare retail credit cards

Data indicated here is updated regularly
Name Product Purchase rate Balance transfer rate Annual fee
Coles Rewards Mastercard - Exclusive Offer
19.99% p.a.
0% p.a. for 18 months with 1.5% balance transfer fee
$0 annual fee for the first year ($99 p.a. thereafter)
Finder Exclusive. Ends 29 October 2020
Save with $100 off a Coles Supermarket shop and a $0 first-year annual fee. Plus, 0% p.a. on balance transfers for 18 months (1.5% fee applies).
Coles No Annual Fee Mastercard - Exclusive Offer
0% for 12 months, reverts to 19.99% p.a.
0% p.a. for 12 months
Finder Exclusive. Ends 29 October 2020
Save on new and existing interest charges with 0% interest on both balance transfers and purchases for the first 12 months.
Coles Low Rate Mastercard - Exclusive Offer
12.99% p.a.
0% p.a. for 6 months
Finder Exclusive. Ends 29 October 2020
Receive $100 off a Coles Supermarket shop when you make an eligible purchase within the first 30 days. Plus, a 0% balance transfer offer.
Citi Rewards Card - Flybuys Offer
21.49% p.a.
0% p.a. for 15 months with 1% balance transfer fee
$49 annual fee for the first year ($149 p.a. thereafter)
Receive 75,000 bonus Flybuys points and a $100 Kmart eGift Card when you meet the spend requirement. Plus, a reduced first-year annual fee.
American Express Platinum Edge Credit Card
20.74% p.a.
Get $150 back when you spend at least $1,500 within the first 3 months. Plus, receive $200 Travel Credit each year.
David Jones American Express Card
20.74% p.a.
Not just for David Jones shoppers, receive 45,000 bonus Membership Rewards Points or 22,500 Qantas Points on eligible spend.
David Jones American Express Platinum Card
20.74% p.a.
DJ's shoppers and Qantas travellers earn 30,000 bonus Membership Rewards Points or 15,000 Qantas Points on eligible spend.

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What gift cards can I buy at the supermarket?

Coles and Woolworths provide a selection of gift cards you can buy both in the supermarket and online. These can be grouped into two main categories:

Supermarket gift cards. These cards are designed to be used for spending at Coles, Woolworths and other participating partner brands. If you get a Coles gift card, these brands could include Liquorland, Kmart and Target, while a Woolworths gift card could also be accepted at Big W and Caltex-Woolworths co-branded service stations. Note participating stores vary depending on the type of Coles or Woolworths gift card you choose, with the most flexible options being the Coles Group & Myer and Woolworths WISH gift cards respectively.

Store and experience gift cards. Coles and Woolworths supermarkets also stock a variety of gift cards for other retailers and brands, such as iTunes, Bunnings, JB Hi-Fi, Village Cinemas and Red Balloon.

While Coles and Woolworths set the terms and conditions for their branded gift cards, the features and requirements of retail and experience gift cards are set by individual retailers. As such, we've focused specifically on Coles and Woolworths supermarket gift cards for this guide.

How to compare Woolworths WISH Gift Cards and Coles Group & Myer Gift Cards

When choosing a supermarket gift card, it's important to consider not only how much money you'll load onto it, but where it can be used. Compare the key details of Woolworths WISH and Coles Group & Myer gift cards using this table so that you can decide which one is right for your needs.

Key detailsWoolworths Wish GiftcardWoolworths WISH Gift CardsColes Group Myer gift card

Coles Group & Myer Gift Cards

Participating stores
  • BWS
  • Big W
  • Cellarmasters
  • Caltex-Woolworths service stations
  • Dan Murphy’s
  • Masters Home Improvements
  • Thomas Dux
  • Woolworths Supermarkets
  • Coles and Coles Express
  • Kmart, Kmart Tyre & Auto
  • Liquorland
  • Myer
  • Target, Baby Target and Target Country
  • Vintage Cellars
  • 1st Choice Liquor Superstores
ExpiryN/A4 years from the date of issue
Min / Max Load$10 / $500$5 / $250
Use onlineYesNo

Details correct for cards purchased in-store, based on terms and conditions cited on 4 May 2018

What other details should I consider when comparing Woolworths and Coles gift cards?

hand with tiny grocery cart and laptop
As well as where you can use these cards, the expiry date, load values and online shopping options, make sure you consider the following factors:

  • Purchasing options. Both Woolworths and Coles gift cards can be purchased in-store or online, although the availability and terms and conditions may vary depending on the type of card you want to purchase. If you have a rewards credit card, you may also be able to redeem your reward points for gift cards from Coles or Woolworths, along with other retailers.
  • Fees. While these cards can be purchased-in store at no extra cost (other than the value loaded onto the card), there may be other fees for purchasing physical cards online.
  • Card theft or loss. These gift cards are treated as cash. This means that if they are lost or stolen, there is little chance of reclaiming the value of the card.
  • Cash equivalent purchase. Woolworths and Coles gift cards are typically classified as "cash equivalent purchases", so if you use a credit card to buy them, the transaction will be treated as a cash advance. This means you'll have to pay a cash advance fee and the cash advance interest rate. The payment also won't be eligible to earn points through a credit card rewards program.

Pros and cons of using a supermarket gift card


  • Choice. A gift card is more personal than giving cash but still allows the recipient to choose what they want to buy.
  • Online facilities. It’s easy to manage your gift card and check your remaining balance. Simply visit the card issuer’s website to access the online tools.
  • Customisable cards. Woolworths and Coles gift cards offer a range of design options to suit different occasions.


  • Potential for expiry. A gift card may expire after a period of time and any remaining value on the card will be lost.
  • Limited acceptance. A gift card can only be used at certain shops and merchants.
  • Limited use. Most gift cards can only be loaded with money once, and used until that balance is cleared or the card expires (whichever happens first).

Woolworths and Coles gift cards are subject to a range of terms and conditions. So before buying one, make sure you compare the features and acceptance of these cards so that you can choose a gift that offers the greatest value to you and the person you're buying it for.

Frequently asked questions

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20 Responses

  1. Default Gravatar
    annaSeptember 22, 2018

    I want to order a gift card online, how long would the delivery take?

    • Avatarfinder Customer Care
      JhezSeptember 25, 2018Staff

      Hello Anna,

      Thank you for your comment.

      Upon checking, the delivery of the Woolworths Gift Card ordered online is within 6 business days by courier or 10 business days by registered post.

      Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.


  2. Default Gravatar
    JamesJuly 14, 2018


    Two areas where these card differ is:

    1. Use at POS. Coles you scan simply scan a barcode, and enter pin at the card machine. If you don’t have enough balance you get the option to pay with remaining credit and then use another payment option for the rest (including another gift card. Woollies, you have pre-nominate the amount to pay and type in the card number and pin. Takes more time. In this regard Coles win.

    2. Check balance. Coles you have to go to website, punch in the whole number, pin, AND recaptcha images (sometimes multiple times). Woollies, you load the card in the “Money” app on your phone and can instantly see balance. In this regard, Woollies win.

    • Avatarfinder Customer Care
      JoshuaJuly 23, 2018Staff

      Hi James,

      Thanks for that adding your comment. :)


  3. Default Gravatar
    DianeJanuary 27, 2016

    I was given a Australia Post Load and Go Gift card for Xmas for $200.
    When I went to use it to purchase some goods it would not allow me to have the $200 so I used $190. Next day I phoned Aust Post and they said there was a balance remaining of $9-10? (not sure why) so I said I would like to close it…OK THAT WILL COST YOU $15… Is this legal. What a rip off. It cost my family member $6.95 to purchase it.ME THINKS ….BE WARY OF AUSTRALIA POST LOAD AND GO CARDS . Have others had this experience

    • Avatarfinder Customer Care
      JonathanJanuary 28, 2016Staff

      Hi Diane, thanks for your inquiry!

      As per the product disclosure statement of the Australia Post Load&Go Reloadable Visa Prepaid Card the cancellation cost is $15.00. To further inquire into the cancellation fee and your current account balance you can contact Australia Post on 13 POST (13 7678) available Monday to Friday 8am – 6pm.



  4. Default Gravatar
    natashiaDecember 26, 2015

    I brought a woolworths visa gift card and says pretty much use anywhere visa is accepted why can’t i use it at Kmart

    • Avatarfinder Customer Care
      YsaDecember 28, 2015Staff

      Hi Natashia,

      Woolworths WISH Gift Cards can be used in any Woolworths Group participating stores, including Home Timber & Hardware, Masters Home Improvement, CellarMasters, Woolworths Supermarkets, BWS, Dick Smith, Dan Murphy’s, Thomas Dux, and branded Caltex Woolworths and Caltex Safeway petrol stations.

      However, if your gift card still doesn’t work with the above participating stores, check to see whether the card is still valid. If you’re trying to use the product in-store and you get a bad read message, check to see whether the magnetic strip on the back or card is damaged or not. If it is damaged, you may need to arrange for a replacement. This can be organised by contacting the Woolworth’s customer service.

      I hope this helps.


  5. Default Gravatar
    ElaineDecember 23, 2015

    I have recently found a gift card in my old purse, it is for Dan Murphy’s it is for 100 dollars the girl at the check out says I would be able to get the expired card changed to new one do you have a number I can call them please

    • Avatarfinder Customer Care
      DebbieDecember 23, 2015Staff

      Hi Elaine,

      Thank you for your inquiry.
      Please refer to the contact numbers I have sent to your email.

      To understand more about cashback and gift cards, kindly check this page.
      I hope this helps.


  6. Default Gravatar
    mattDecember 21, 2015

    can you clarify if Dick smith still accepts wish gift cards? i thought woolies sold them?

    • Avatarfinder Customer Care
      SallyDecember 22, 2015Staff

      Hi Matt,

      Thanks for your question. While you can purchase Woolworths WISH Gift Cards at Woolworths, you can still use the cards at Dick Smith.

      I hope this has helped.



  7. Default Gravatar
    MaryApril 1, 2015

    How do I get a balance left on my gift card. Shop won’t tell me what I have left?

    • Avatarfinder Customer Care
      JonathanApril 2, 2015Staff

      Hi Mary, thanks for your inquiry!

      Please refer to the link I have sent to your email which will allow you to check your gift card balance.



  8. Default Gravatar
    MaryApril 1, 2015

    how can I find out the balance left on my Woolworths gift card?

    • Avatarfinder Customer Care
      JonathanApril 2, 2015Staff

      Hi Mary, thanks for your inquiry!

      Please refer to the link (Woolworths Gift card website) I have sent to your email.



  9. Default Gravatar
    loreshaNovember 20, 2014

    Can you track or trace a lost Or stolen gift card

    • Avatarfinder Customer Care
      ElizabethNovember 21, 2014Staff

      Hi Loresha,

      Thanks for your question.

      To my knowledge this isn’t possible. You’ll need to get in contact with Woolworths directly to report the gift card stolen. If you have any details such as card number or purchase/redemption information, keep that handy.

      I hope this has helped.



  10. Default Gravatar
    wishJanuary 9, 2014

    thank you for your clarification re my out of date
    gift card.

    however there still remains some disappointment
    in the result…….”buyer beware” is a term associated with scammers and businesses that have little regard for public relations.
    Woolworths has now joined this group so that future gift card dealings will be done with Coles,
    with a two year time frame.

    • Default Gravatar
      TammyJanuary 4, 2015

      Please don’t buy Gift Cards. These are a rort, and these companies pray on vulnerable people who unfortunately mis-place their gift card, and then it expires. If one household in the country had an expired gift card, these companies make billions for nothing. Don’t let them do it. In my opinion Gift Cards should never expire, as the company already has been paid for the transaction up front. They need to honor this to all customers, and it’s time they shouldn’t get away with it any longer. Coles just did this with me, and it’s now goodbye Coles forever. I will never step back into any of their partner stores either.
      x Tam

Credit Cards Comparison

Data indicated here is updated regularly
Name Product Purchase rate Balance transfer rate Annual fee
Coles No Annual Fee Mastercard - Exclusive Offer
0% for 12 months, reverts to 19.99% p.a.
0% p.a. for 12 months
Finder Exclusive. Ends 29 October 2020
Save on new and existing interest charges with 0% interest on both balance transfers and purchases for the first 12 months.
ANZ Low Rate
12.49% p.a.
0% p.a. for 25 months with 1.5% balance transfer fee
$0 annual fee for the first year ($58 p.a. thereafter)
Save with 0% p.a on balance transfers for 25 months (with a 1.5% BT fee) and $0 first year annual fee. Plus a 12.49% p.a. purchase interest rate.
Qantas American Express Premium Card
20.74% p.a.
Enjoy 100,000 bonus Qantas Points, 50 bonus Status Credits and 2 complimentary Qantas Club lounge invitations per year.
Citi Rewards Card - $500 Voucher Offer
21.49% p.a.
0% p.a. for 12 months
$99 annual fee for the first year ($199 p.a. thereafter)
Get a $500 e-voucher to spend at Myer, JB Hi-Fi or Coles when you spend $3,000 in the first 90 days. Plus, earn points with the Citi Rewards Program.

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