Card security and protection

Card security
The Orion fraud monitoring system helps give you security and fraud protection if you have a Coles Reloadable MasterCard.

Fraud management
The Orion fraud management system helps identify unusual activity on your Coles Reloadable MasterCard. As soon as a suspect transaction is detected, our card security experts are alerted so they can review it and take any necessary action.

MasterCard® SecureCode™ 
MasterCard SecureCode is an additional layer of security that verifies your online purchases in real time. This verification helps to reduce card fraud and unauthorised card use.

MasterCard Zero Liability
MasterCard’s zero liability policy gives you peace of mind, so if there’s a fraudulent transaction on your Coles Reloadable MasterCard, you will not be held liable if you have not contributed to the loss and notified us promptly of the theft, loss or misuse of your card. You also need to have abided by the Product Disclosure Statement. If you would like to know more about Zero Liability, visit

Chip protection
The in-built chip in your Coles Reloadable MasterCard provides increased protection against fraud, reducing the chance of your personal details being copied if your card is lost or stolen.
You must also review your transaction history regularly and ensure that you quickly report to us any transaction you think is unauthorised.

Lost and Stolen Cards

Ensure you keep your card secure. Anyone holding the card or who knows the card details (for example, the card number, expiry and CVC number) can use it to make purchases.

If your Coles Gift MasterCard is lost or stolen or if the details of your Coles Online MasterCard are compromised, we will not provide a replacement or refund.

If your Coles Reloadable MasterCard has been lost or stolen, is compromised in any way, or you suspect an unauthorised transaction, please report it immediately via the Prepaid Service Centre.

Alternatively you can call the Customer Support Centre on 1300 095 072 (fees may apply). We will immediately block your card.

Coles Prepaid Cards Customer Support

Hours: 8am – 8pm Monday to Friday and 8am – 1pm Saturday AEST

Telephone: 1300 095 072


Terms & conditions

The Orion fraud management service is a service of Indue Ltd.

Coles Reloadable MasterCard Product Disclosure Statement (PDF, 561kb)
Coles Gift MasterCard Conditions of Use (PDF, 790kb)
Coles Online MasterCard Product Disclosure Statement (PDF, 815kb)
Coles Financial Services Guide (PDF, 300kb)

MasterCard and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated. Coles Financial Services Pty Ltd is an authorised representative of the issuer, Indue Ltd (ABN 97 087 822 464) (AFSL 320204) and receives commission for each product sold. Consider the Product Disclosure Statement, which includes the terms and conditions, available on the Important information page to see if this product is right for you. Any advice provided is of a general nature only and does not take into consideration your objectives, financial situation or needs. Before acting on any advice, you should consider its appropriateness.

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