Not as good as it was
It’s been several months since the new app and updates to this card and it hasn’t been positive.
The font size on the app is too big for mobile screens making it awkward to read. And there’s no longer any notifications about payments, so if any illegal activity was carried out on your card, you wouldn’t know about it until you log in next.
Lastly, there’s an option to temporarily lock the card however this feature interferes with direct debits even though they are still meant to work. Every month I have important direct debit payments declined when I’ve locked the card.
This used to be a great credit card but now it’s pretty hopeless. If it wasn’t for the flybuys points I would get rid of it.
The font size on the app is too big for mobile screens making it awkward to read. And there’s no longer any notifications about payments, so if any illegal activity was carried out on your card, you wouldn’t know about it until you log in next.
Lastly, there’s an option to temporarily lock the card however this feature interferes with direct debits even though they are still meant to work. Every month I have important direct debit payments declined when I’ve locked the card.
This used to be a great credit card but now it’s pretty hopeless. If it wasn’t for the flybuys points I would get rid of it.
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Response from developer
Hi Ms Hels, we’re sorry to hear that you’re not enjoying the app experience. We’ve passed your feedback to our development team. Thank you for taking the time to share your feedback, we’re always looking for ways to improve.
Worst app ever
So, genuinely the worst app ever. First, had to set up a new flybuys account just to log into the app because it couldn’t handle my existing flybuys. That worked fine for a short time, then I got a new phone and now I can’t log into again and all the reset options end up at ‘something went wrong’. So, called the customer service, who couldn’t fix it and gave me a new number to call, which of course is only open business hours. Silly thing is, all I want is to see my statement and if they just emailed it like they used to, it’s not an issue. Time for a new credit card. Just ridiculous
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Response from developer
Hi, we’re sorry to hear that you’re not enjoying the new app experience and having trouble accessing your statements. That’s definitely not the experience we want to provide. At the moment, paper statements are also being posted temporarily, and you can also review your transactions online via the Coles Credit Cards Online Service Centre For more information, please visit coles.com.au/mastercard-live
Mobile chat option?
When is the mobile chat option (within the app itself) going to be available when try to launch it? It’s November 2025. The new system has been live since September 2025. Yet when you try to launch the chat option it still returns with the reply, “Our mobile chat option is under construction”. Having this function available would save being on hold on the phone when trying to sort issues out or when you simply have a query regarding your account.
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Response from developer
Hi, thank you for taking the time to share your feedback. While we work to create a better in-app chat experience, you can still access chat support by tapping 'Open in Browser' when launching chat in the app. Or, you can also access chat support by clicking on the Chat icon on the Online Service Centre. If you still need support, please contact us on 1300 306 397.
From clean and useful to cluttered and clueless
This app used to be perfectly fine — simple, clear, and actually helpful. Then NAB took over and apparently decided we all needed a “modern experience,” which apparently means less function, more fluff.
Now the transaction list shows about two and a half entries per screen because everything has to come with a massive logo and a “category” label. These categories are comedy gold: bin liners = medical, food = fuel, vitamins = gym and fitness. Whoever trained that AI must’ve done it during a power outage. And of course, there’s no option to turn them off or correct them. Why give users control when you can just frustrate them instead?
Filtering transactions? Only by date. Revolutionary.
And even though my statement preference is “Online only,” I’m still getting paper statements — because who doesn’t love some extra junk mail? I’ve changed the setting multiple times, but apparently, the app just thinks I need more recycling practice.
This “upgrade” took a reliable, user-friendly app and turned it into a clunky, bloated mess. Please stop fixing what wasn’t broken.
Now the transaction list shows about two and a half entries per screen because everything has to come with a massive logo and a “category” label. These categories are comedy gold: bin liners = medical, food = fuel, vitamins = gym and fitness. Whoever trained that AI must’ve done it during a power outage. And of course, there’s no option to turn them off or correct them. Why give users control when you can just frustrate them instead?
Filtering transactions? Only by date. Revolutionary.
And even though my statement preference is “Online only,” I’m still getting paper statements — because who doesn’t love some extra junk mail? I’ve changed the setting multiple times, but apparently, the app just thinks I need more recycling practice.
This “upgrade” took a reliable, user-friendly app and turned it into a clunky, bloated mess. Please stop fixing what wasn’t broken.
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Response from developer
Hi, we're sorry to hear that you are not enjoying the app experience. We’ve shared your feedback on transaction categories and layout with our product and development team for review. Paper statements are being posted to customers temporarily, alongside online access, to help customers through the transition. For more information, support and guidance, please visit coles.com.au/mastercard-live
Extremely disappointing and unprofessional rollout
The new Coles Credit Card App is, frankly, a major step backward. It constantly crashes, freezes, or fails to open at all — making it practically unusable. I have tried every possible fix, including uninstalling and reinstalling multiple times, but the same issue returns within a day.
What’s most frustrating is that Coles decided to replace the previous app, which worked perfectly fine, with this poorly tested and unstable version. It feels as though this platform was rushed into release without proper quality assurance or user testing. For a financial institution managing sensitive data and essential services, this level of technical failure is unacceptable.
Customers rely on this app for everyday account management, payments, and transaction monitoring. When it fails repeatedly, it not only causes inconvenience but also undermines trust in Coles’ digital reliability. I strongly urge Coles and Citi to take immediate action to stabilise the app, address these ongoing issues, and ensure future updates are properly tested before being pushed to users.
Until then, this app cannot be considered ready for public use, and it reflects very poorly on the brand’s commitment to customer experience.
What’s most frustrating is that Coles decided to replace the previous app, which worked perfectly fine, with this poorly tested and unstable version. It feels as though this platform was rushed into release without proper quality assurance or user testing. For a financial institution managing sensitive data and essential services, this level of technical failure is unacceptable.
Customers rely on this app for everyday account management, payments, and transaction monitoring. When it fails repeatedly, it not only causes inconvenience but also undermines trust in Coles’ digital reliability. I strongly urge Coles and Citi to take immediate action to stabilise the app, address these ongoing issues, and ensure future updates are properly tested before being pushed to users.
Until then, this app cannot be considered ready for public use, and it reflects very poorly on the brand’s commitment to customer experience.
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Hopeless
I had a helpful person on the end of the phone who talked me through the conundrum. That is the most appalling circumstance in trying to set up the change from the satisfactory old site to this hopeless new one. I have been around in circles and met myself coming back again. Once finished I went out of it and now can’t get back into it at all. It doesn’t like me and I certainly don’t like it. Fortunately I was able to pay my account before I lost the ability to access the app again. I will not be buying anything else on Coles credit cards after this experience.
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Response from developer
Hi, we’re sorry to hear about your experience. We’d love the opportunity to investigate this further, could you please contact us on 1300 306 397 or if you are overseas (+61) 2 8288 2890. We’re here to help.
Horrible
Haven’t been able to check account for a week. Nothing is working. If I’m late for payment I better not be charged a fee. Not customer friendly at all. Didn’t ask for this hassle 😡
Still not able to get onto account, spent an hour only to speak with someone I could hardly understand. Over a week ago. Said problem would be escalated. Can’t get an account balance, can’t get any details, so frustrating. Was transferred to accounts by last operator but after another 30 minutes on phone hung up without getting balance. Who do you even talk to, to find out this stuff.
So very frustrating!!!!
Refuse to pay any late fees etc
Still not able to get onto account, spent an hour only to speak with someone I could hardly understand. Over a week ago. Said problem would be escalated. Can’t get an account balance, can’t get any details, so frustrating. Was transferred to accounts by last operator but after another 30 minutes on phone hung up without getting balance. Who do you even talk to, to find out this stuff.
So very frustrating!!!!
Refuse to pay any late fees etc
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Response from developer
Hi, we’re sorry you’re having trouble accessing the app, can you please try firstly connecting your Coles Credit Card to your Coles account (the account you use to log in to coles.com.au) through the Online Service Centre? For step-by-step guidance and support on setting up your account, please visit: coles.com.au/mastercard-live
App won’t work, Website won’t work, Regular payments stopped working
Online .. seems this has been going on for weeks … can’t even get through on phone support … do these wunderkinds know this .. it seems so … a text to tell me a statement is available … but no way to access it .. now the App and website simply refer you to a ‘contact us’ that has no one to speak to. Brilliant folks .. just brilliant.
Update: both the App & ‘live’ website loop back to the log in page - or simply say ‘can’t access’ … the developer advice … Mastercard-live … loops back as well.
A couple of other reviews talk about cancelling their card .. I think I’ll be in that queue … the (now) very few extra flybuys points just aren’t worth the hassle
Update: both the App & ‘live’ website loop back to the log in page - or simply say ‘can’t access’ … the developer advice … Mastercard-live … loops back as well.
A couple of other reviews talk about cancelling their card .. I think I’ll be in that queue … the (now) very few extra flybuys points just aren’t worth the hassle
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New app doesn’t work
Been trying for over a week to set up new app & not happening. Tried doing it on website, says try again later. Can’t access my account & getting more frustrating each day. Called call centre & generic message they are working on issue. Old app was perfect. Why change it. Please fix ASAP. Worried as i cannot access my transactions. Better not charge me interest if payments are late.
After nearly 3 weeks managed to load app but the Flybuys offers have gone.!!!! Really over this useless change. Then tried to chat but AI is just as useless. You guys wasted your money with this change
After nearly 3 weeks managed to load app but the Flybuys offers have gone.!!!! Really over this useless change. Then tried to chat but AI is just as useless. You guys wasted your money with this change
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Response from developer
Hi, we're sorry you experienced issues with setting up your account. Can you please try firstly connecting your Coles Credit Card to your Coles account (the account you use to log in to coles.com.au) through the Online Service Centre? For step-by-step guidance and support on setting up your account, please visit: coles.com.au/mastercard-live
Worst transition app
App does not work and whoever did the user testing and the development on this app needs to be suspended along with those who signed off on this useless app. The process to change on the user end is time confusing and probably a cost saving activity to make the user do all the work. I can only login on the website because the login in page keeps generating “oops! Something went wrong” I’ve tried different browsers and all other checks and nothing. And yes the linking all works because I can access my info on the browser etc it’s the app that’s useless. There was nothing wrong with the last app; the icon itself is basic. It looks like a homebrand cheap version of the last.
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Artificial idiocy
Chat option is pathetic - Artificial idiocy cannot cope with questions containing more than one word. Perhaps if the virtual assistant cannot comprehend it could be programmed to refer the question to a real person (even if not in real time) rather than providing a limited pick list of non-related options.
I agree with other reviews - not a successful rollover to a poorer system. If you spend weeks and months advising that a new beaut system is coming - make sure you make it worth waiting for.
It needs to work - we have no bank tellers and helpline calls involved waiting times that might tell us our calls are important are tedious.
My money is NOT artificial so it deserves more than artificial idiocy!
I agree with other reviews - not a successful rollover to a poorer system. If you spend weeks and months advising that a new beaut system is coming - make sure you make it worth waiting for.
It needs to work - we have no bank tellers and helpline calls involved waiting times that might tell us our calls are important are tedious.
My money is NOT artificial so it deserves more than artificial idiocy!
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Absolute rubbish
Sorted out the new login on the web. Loaded the new app and tried logging in. Round in circles with multiple 2 factor checkin (more like 10 factor) only to be told that the new app could not be opened. Tried three times. Clicked on contact us. Multiple more 2 factor check-ins. Could not cont us or you or anyone. Opened chat on web page. Went in circles with virtual assistant. Useless. Asked for a person was told connecting you to consultant. And nothing more. This app should not have gone live. It is not ready. Do some testing before you go live on these things. Although it is not a critical app. Just finance and bank details and minor stuff like that.
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Forced to download and can’t use
Haven’t been able to log into the existing app since Friday and now maintenance is over still can’t log into the existing app and forced to download this one and it doesn’t even work!! You can’t tap on anything on the login screen. Multiple days of not being able to check credit card balance and transactions. Should have switched off the old until the new is working. Really not good enough.
Edit: Working now, but wish the old app was instead. The new app doesn’t have the most important feature which was the remaining balance to pay off for interest free. Bring back the old app!! You don’t have feature parity, the new app freezes all the time and has terrible UX.
Edit: Working now, but wish the old app was instead. The new app doesn’t have the most important feature which was the remaining balance to pay off for interest free. Bring back the old app!! You don’t have feature parity, the new app freezes all the time and has terrible UX.
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Response from developer
Hi Pruesta, we're sorry you experienced issues with setting up your app. You can find the closing balance by tapping the repayment tile (the one with 'minimum payment') on the home screen. We have also passed your feedback on the remaining balance and app freezing to the product and development team. We appreciate your feedback.
Worst transition ever
I’ve never come across a worst transition to a new app that supposed to make the experience better than this one. After a week or so I can finally log in but can’t use the app or online services. Try calling them or chat and you will be left waiting for eternity until you just give up. Now I can’t even see my statement. They use to email the statement. Another annoying thing is they just sent email telling statement available online but can’t access it in the first place. Why send email if system is broken. Really bad. Should have tested the new system first.
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Worst transition to a far inferior app
The old app was out of action for days before the new one was allegedly available. Completely unacceptable to be unable to access an account for that many days. When the new app was finally available, I attempted setup close to a dozen times, with each attempt getting to the login screen where it would fail. Finally there was notification that there were login issues that were being worked on, however on notification that the issues had been fixed, they still weren’t. Each setup attempt sent 4 or 5 OTP’s (so nothing one time about that). Ridiculous.
When I was finally able to access the new app, it’s rubbish compared to the old one. Besides the fact that the screen sizing is off (balance runs over two lines), it’s missing key features of the old app like the running balance required by the due date (probably intentional as that was a pretty user friendly feature) and I can’t see my flybuys balance anywhere (maybe it’s there and I just can’t find it…..but if it is, then it shouldn’t be that hard).
Probably should have just rebranded the old app…..oh, and done some testing before rolling out.
When I was finally able to access the new app, it’s rubbish compared to the old one. Besides the fact that the screen sizing is off (balance runs over two lines), it’s missing key features of the old app like the running balance required by the due date (probably intentional as that was a pretty user friendly feature) and I can’t see my flybuys balance anywhere (maybe it’s there and I just can’t find it…..but if it is, then it shouldn’t be that hard).
Probably should have just rebranded the old app…..oh, and done some testing before rolling out.
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Response from developer
Hi am505, we’re sorry you had trouble logging in to the app. The Flybuys points should be displayed on the home screen of the app below the current balance. Can you try to re-link your Flybuys to your Coles account (coles.com.au/help/flybuys/link-your-flybuys-account)? We have also passed your concerns on the screen sizing and running balance onto our development team. We appreciate your feedback.
Absolutely terrible experience - don’t use & change providers.
If I could give it a zero I would. They cut access to their old app before correcting access on the new. So you can’t use your credit card/s or access your account. You can’t reset your password because the reset emails are never sent to you. I work in application development and this is truly pathetic. How could you possibly fail to see such glaring issues with account access? This is the first feature you should have tightly locked down in testing after environment security. I don’t want a dev reply, I want your customers to stop dealing with a company that obviously doesn’t value them.
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App does not work
This new app launch has been nothing but endless headaches and stress.
Received a text message over the weekend to say the old app would be down. Next thing automated direct debits started declining - 3 hours on the phone trying to get that fixed. Multiple attempts to set up the new app, told account is inactive, call this number after an hour waiting advised called wrong number call this number, no transfer. Spent days calling to fixed to be told you are right to go. Now I get “sometimes went wrong, try again in a minute”. One week later and still no visibility to my account. For all I know, someone has hacked it and they NAB don’t want me to know. Pathetic
Received a text message over the weekend to say the old app would be down. Next thing automated direct debits started declining - 3 hours on the phone trying to get that fixed. Multiple attempts to set up the new app, told account is inactive, call this number after an hour waiting advised called wrong number call this number, no transfer. Spent days calling to fixed to be told you are right to go. Now I get “sometimes went wrong, try again in a minute”. One week later and still no visibility to my account. For all I know, someone has hacked it and they NAB don’t want me to know. Pathetic
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Upgrade Disaster
Would have to be the worst App transition I’ve ever had to deal with. First load gave a message that the system didn’t work and was being worked on. Tried again a day later, all links were unresponsive. I rebooted ipad twice and was able to proceed with FIVE 2FA responses via both phone and email, with a unexplained need to create a Coles Store account, then link Flybuys. After all this it seemed to work ….. until I logged out. Attempts to login again were greeted with Incorrect userid or password messages. Having rebooted twice in the setup process, I tried again. After another reboot, behold, the login then worked. All of this plus the loss of emailed monthly statements equals negative Customer service.
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Response from developer
Hi Retiree Bob, we’re sorry you had trouble logging in. Our team are aware of this issue and are actively working to resolve it. For information security reasons, credit card statements are no longer emailed. However, you can view and download the statements in the mobile app or Online Service Centre. We appreciate your feedback.
Unable to use coles credit cards
I would give a 0 stars if I could. So disappointed has taken me multiple phone calls with 40-50min wait times each time to try and get in. Still not able to get in, why would you remove access from one app before knowing the new app is working?????
I am now unable to view my card balances etc this is ridiculous.
I am now unable to view my card balances etc this is ridiculous.
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A poor substitute for the previous App
After App maintenance, and a number of failed attempts, I finally managed to link my app to my Coles Account. I had to repeat the process using Google Chrome as it said Safari and Google browsers were not supported.
When I tried to log into my app, after entering my log in details and a 6 digit Pin I got the message ‘loading, this will only take a few minutes’ An hour later the Loading wheel was still turning, turning, turning,.
I closed the app down, deleted it from my iPad and reloaded it. After a couple more attempts I finally got to see my credit card details ONCE.
The display is poor compared with the previous app - a lot of pictures and empty space in transaction listings thus less useful info visible on screen. The icon used for Translink transactions is already out of date.
That app now has an all black icon not the pink and black one displayed.
Could not view Statements listed.
Seems only way out of Statement list screen is to be shut out of App and have to log in AGAIN.
Further attempts to access card data have been met with ongoing messages that log in details are incorrect, returns to the log in screen after entering log in details and 6 digit Pin or the loading wheel turning and turning and going nowhere.
In the brief time I managed to access the App I could not find any way to set up a PIN to access the App.
Accessing this App to check card balances has become a cumbersome process. I am using an iPad Pro (10.5”) running on iPadOS 17.7 According to the AppStore this Is App should run on this device.
Lucky I kept a running total of my recent transactions and balances on a piece of paper so I have a record of what they should be.
When I tried to log into my app, after entering my log in details and a 6 digit Pin I got the message ‘loading, this will only take a few minutes’ An hour later the Loading wheel was still turning, turning, turning,.
I closed the app down, deleted it from my iPad and reloaded it. After a couple more attempts I finally got to see my credit card details ONCE.
The display is poor compared with the previous app - a lot of pictures and empty space in transaction listings thus less useful info visible on screen. The icon used for Translink transactions is already out of date.
That app now has an all black icon not the pink and black one displayed.
Could not view Statements listed.
Seems only way out of Statement list screen is to be shut out of App and have to log in AGAIN.
Further attempts to access card data have been met with ongoing messages that log in details are incorrect, returns to the log in screen after entering log in details and 6 digit Pin or the loading wheel turning and turning and going nowhere.
In the brief time I managed to access the App I could not find any way to set up a PIN to access the App.
Accessing this App to check card balances has become a cumbersome process. I am using an iPad Pro (10.5”) running on iPadOS 17.7 According to the AppStore this Is App should run on this device.
Lucky I kept a running total of my recent transactions and balances on a piece of paper so I have a record of what they should be.
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