This website is made up of two of areas:

  • The product information and marketing pages are provided and hosted by Coles Group Limited.
  • The Online Service Centre and online application areas are provided and hosted by GE Capital Finance Australia.

Coles website terms of use

Related to the marketing and information pages (hosted at

On this page:


This site and its contents are subject to copyright. The copyright is owned by Coles Group Limited, or in the case of some material, a third party.

You may view this site and its contents using your web browser and electronically copy and print hard copies of parts of this site solely for personal, non-commercial use. Any other use, including the reproduction, modification, distribution, transmission, republication, display or performance, of the content of this site is strictly prohibited.


This site includes registered trademarks, and other trademarks that are otherwise protected by law. Except as expressly authorised, the use or misuse of any of these trademarks is strictly prohibited.


You agree that your access to, and use of, this site is subject to these terms and all applicable laws, and is at your own risk. This site and its contents are provided to you on an "as is" basis, the site may contain errors, faults and inaccuracies and may not be complete and current.

Coles Group Limited makes no representations or warranties of any kind, express or implied as to the operation of this site or the information, content, materials or products included on this site, except as otherwise provided under applicable laws.

Neither Coles Group Limited, nor its affiliates, directors, officers, employees, agents, contractors, successors or assigns will be liable for any damages whatsoever arising out of, or in any way related to, the use of this site and any other site linked to this site. This limitation applies to direct, indirect, consequential, special, punitive or other damages you or others may suffer, as well as damages for loss of profits, business interruption or the loss of data or information.


Coles Group Limited cannot guarantee that any file or program available for download and/or execution from or via this site is free from viruses or other conditions that could damage or interfere with data, hardware or software with which it might be used. You assume all risk of use of all programs and files on this site, and you release Coles Group Limited entirely of all responsibility for any consequences of its use.

Third Party Sites

This site may contain links to third party sites including:

  • The 'Apply Online' and 'Service Centre' functions which are maintained and hosted by GE Capital Finance Australia.
  • The "Adobe" website
  • The "BPAY" website
  • The "DoubleClick" website
  • The "GE Money" website
  • The "FlyBuys" loyalty website

Coles Group Limited is not responsible for the condition or content of those sites as they are not under Coles Group Limited control. You access those sites and/or use the site's products and services solely at your own risk. The links are provided solely for your convenience and do not indicate, expressly or impliedly, an endorsement by Coles Group Limited of the sites or the products or services provided on the site.

While we try to link only to sites that share our high standards and respect for privacy, we’re not responsible for the privacy practices of other websites to which you provide your personal information. If you have any questions about this, or the content or practices of this website, please contact Customer Care.

Coles Group Limited does not permit any linkages to this site without prior permission.

Applicable Law

This site is created and controlled by Coles Group Limited. Your use of this site is governed by, construed and enforced in accordance with the laws of Victoria, Australia. Disputes arising from your use of this site are exclusively subject to the jurisdiction of the courts of Victoria, Australia.

This site may be accessed throughout Australia and overseas. Coles Group Limited makes no representations that the content of this site complies with the laws (including intellectual property laws) of any country outside Australia. If you access this site from outside Australia, you do so at your own risk and are responsible for complying with the laws in the place where you access the site.


View the Privacy Policy for this Coles MasterCard website.

GE Service Centre terms and conditions

The following terms and conditions apply to:

  • the Online Service Centre
  • the online application form

These are provided by GE Capital Finance Australia who host and maintain this service. They apply when you register for, and log in to the Online Service Centre or when you use the online application form.

These terms and conditions should be read in conjunction with the Website Terms and Conditions.

Service Centre terms and conditions

Words printed like this are explained in Section 15. We strongly recommend you read these Service Centre terms and conditions. If you have any questions please contact us.

  1. When have you accepted these Service Centre Terms and Conditions?
    You will be taken to have accepted these Service Centre Terms and Conditions:
    • When you or any additional cardholder first use the service; or
    • You select the 'Accept' icon when you register for the service.
  2. These Service Centre Terms and Conditions and the Terms and Conditions for your account
    These Service Centre terms and conditions are in addition to the terms and conditions of your account and to the extent of any inconsistency between the two, these terms and conditions will apply.
  3. Additional Cardholders
    You are responsible for any use of the service by an additional cardholder. You should satisfy yourself that any additional cardholder has read and understood these Service Centre terms and conditions.
  4. Changes to the Service
    We may:
    • Change the functionality or content of the service; or
    • Withdraw or deny access to the service 
    at any time without prior notice.
  5. Access to the Service
    You agree we will give access to the service to anyone who uses a valid user identification and password.
  6. Security of your Password
    You agree to keep your password safe and secure. In particular, you agree:
    • Not to tell anyone your password;
    • Not to let anyone use your password to access the service; and
    • Not to write down or store your password.
  7. You agree to advise any additional cardholder of this obligation.
    You agree to immediately tell us if you or an additional cardholder suspect the security of a password has been compromised.
  8. Account Information
    The information about your account obtained from the service will reflect the current status of the account on our systems at the time you access the service. This information may not include transactions which are yet to be processed and may be corrected (e.g. if a transaction is reversed).
  9. Liability
    You acknowledge that, subject to your rights implied at law which cannot be excluded, we will not be liable for any loss or damage in connection with any use of the service (or any problems in attempting to use the service) unless the loss or damage is directly attributable to our fraudulent or negligent conduct.
  10. to these Service Centre Terms and Conditions
    We may:-
    • Change these Service Centre terms and conditions (including adding new terms and conditions); and
    • introduce and change fees and charges in connection with the service;
    • at any time. We must notify you of any such changes.
  11. Notice
    Notices and other communications in connection with these Service Centre terms and conditions may be given by using the service unless we advise you this may not be done or that a different method of communication is required.
  12. A notice or other communication is deemed to be received when it enters the recipient's computer.
  13. Termination
    We may terminate the service at any time without notice to you. You may terminate your use (or the use of any additional cardholder) at any time by prior notice to us.
  14. Governing Law
    These terms and conditions are governed by the law of the State of Victoria and you and any additional cardholder submit to the exclusive jurisdiction of the Courts of the State of Victoria.
  15. Interpretation

    Account means your credit card account with us.

    Account holder means the person who has applied for and been accepted for an account.

    Additional cardholder means a person issued with a card for the account by us at your instruction that you have authorised to use the service.

    Service means the account information service we are providing via the Internet.

    We, us, our means GE Capital Finance Australia (GECFA) ABN 42 008 583 588, Australian Credit Licence Number 392145, trading as GE Money.

    You means the account holder and includes your successors and assigns and your has a corresponding meaning.

Register now to use the Online Service Centre

GE Website Terms and Conditions

In this section:

Terms and Conditions of Use

Please read these terms carefully before using this site.

This Web site is provided by General Electric Company and GE Capital Finance Australasia Pty Ltd ("together GE"), and may be used for informational purposes only. By using the site or downloading materials from the site, you agree to abide by the terms and conditions set forth in this notice. If you do not agree to abide by these terms and conditions do not use the site or download materials from the site.

Limited licence

Subject to the terms and conditions set forth in this Agreement, GE grants you a non-exclusive, non-transferable, limited right to access, use and display this site and the materials thereon. You agree not to interrupt or attempt to interrupt the operation of the site in any way.

GE authorises you to view and download the information ("Materials") at this Web site ("Site") only for your personal, non-commercial use. This authorisation is not a transfer of title in the Materials and copies of the Materials and is subject to the following restrictions:

  1. you must retain, on all copies of the Materials downloaded, all copyright and other proprietary notices contained in the Materials;
  2. you may not modify the Materials in any way or reproduce or publicly display, perform, or distribute or otherwise use them for any public or commercial purpose; and
  3. you must not transfer the Materials to any other person unless you give them notice of, and they agree to accept, the obligations arising under these terms and conditions of use.

You agree to abide by all additional restrictions displayed on the Site as it may be updated from time to time. This Site, including all Materials, is copyrighted and protected by worldwide copyright laws and treaty provisions. You agree to comply with all copyright laws worldwide in your use of this Site and to prevent any unauthorised copying of the Materials. Except as expressly provided herein, GE does not grant any express or implied right to you under any patents, trademarks, copyrights or trade secret information.


The materials may contain inaccuracies and typographical errors. GE does not warrant the accuracy or completeness of the materials or the reliability of any advice, opinion, statement or other information displayed or distributed through the site.

You acknowledge that any reliance on any such opinion, advice, statement, memorandum, or information shall be at your sole risk. GE reserves the right, in its sole discretion, to correct any errors or omissions in any portion of the site. GE may make any other changes to the site, the materials and the products, programs, services or prices (if any) described in the site at any time without notice.

Subject to any applicable provisions of the trade practices act 1974 (cth), which cannot be modified or excluded, this site, the information and materials on the site, and the software made available on the site, are provided "as is" without any representation or warranty, express or implied, of any kind, including, but not limited to, warranties of merchantability, non infringement, or fitness for any particular purpose.

Third-party sites

As a convenience to you, GE may provide, on this Site, links to Web sites operated by other entities. If you use these sites, you will leave this Site.

If you decide to visit any linked site, you do so at your own risk and it is your responsibility to take all protective measures to guard against viruses or other destructive elements.

GE makes no warranty or representation regarding, and does not endorse, any linked Web sites or the information appearing thereon or any of the products or services described thereon.

Links do not imply that GE or this Site sponsors, endorses, is affiliated or associated with, or is legally authorised to use any trademark, trade name, logo or copyright symbol displayed in or accessible through the links, or that any linked site is authorised to use any trademark, trade name, logo or copyright symbol of GE or any of its affiliates or subsidiaries.

Information provided by you

Unless you are applying online or using the Online Service Centre, GE does not want you to, and you should not, send any confidential or proprietary information to GE via the Site.

Subject to any legislative restrictions, you acknowledge that by providing any such information or materials that you or individuals acting on your behalf provide to GE will not be considered confidential or proprietary.

Subject to any legislative restrictions, you acknowledge that by providing any such information or materials to GE, you grant to GE an unrestricted, irrevocable, worldwide, royalty-free licence to use, reproduce, display, publicly perform, transmit and distribute such information and materials, and you further agree that GE is free to use any ideas, concepts or know-how that you or individuals acting on your behalf provide to GE.

You further recognise that GE does not want you to, and you warrant that you shall not, provide any information or materials to GE that is defamatory, threatening, obscene, harassing, or otherwise unlawful, or that incorporates the proprietary material of another.

Limitation of damages

In no event shall GE or any of its subsidiaries be liable to any entity for any direct, indirect, special, consequential or other damages (including, without limitation, any lost profits, business interruption, loss of information or programs or other data on your information handling system) that are related to the use of, or the inability to use, the content, materials, and functions of the site or any linked website, even if GE is expressly advised of the possibility of such damages.

GE reserves the right, at its sole discretion, to change, modify, add or remove any portion of these Terms and Conditions of User in whole or in part, at any time. Changes in these Terms and Conditions of User will be effective when notice of such change is posted. Your continued use of the Site after any changes to these Terms and Conditions of User are posted will be considered acceptance of those changes.

GE may terminate, change, suspend or discontinue any aspect of the GE Site, including the availability of any features of the Site, at any time.

GE may also impose limits on certain features and services or restrict your access to parts or all of the Site without notice or liability.

GE may terminate the authorisation, rights and license given above and, upon such termination, you shall immediately destroy all Materials.

International users and choice of law

This Site is controlled, operated and administered by GE from its offices within the Commonwealth of Australia.

GE makes no representation that materials at this site are appropriate or available for use at other locations outside of the Commonwealth of Australia and access to them from territories where their contents are illegal is prohibited.

You may not use the Site or export the Materials in violation of Australian export laws and regulations. If you access this Site from a locations outside of the Commonwealth of Australia, you are responsible for compliance with all local laws.

These Terms and Conditions of use shall be governed by the laws of the State of Victoria, Australia, without giving effect to its conflict of laws provisions.

These Terms and Conditions of User constitutes the entire agreement between GE and you with respect to your use of the Site. Any cause of action you may have with respect to your use of the Site must be commenced within the period provided by any applicable statute of limitations.

If for any reason a court of competent jurisdiction finds any provision of these Terms and Conditions of User or portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to effect the intent of these Terms and Conditions of User, and the remainder of these Terms and Conditions of User shall continue in full force and effect.

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