As a young family, I understand the importance of saving money and stretching our budget as far as possible. That’s why I am always on the lookout for ways to save money on our everyday purchases and expenses.

One big way we’ve found to save money is by using a combination of cash-back services, loyalty programs, and credit cards with rewards programs.

Here are 5 easy ways you can make your money go further and save BIG when online shopping!!

Cash back services

Cash-back services are a great way to save money on your online purchases in Australia. These services allow you to earn a percentage of your purchase back in the form of cash, which can then be used to offset future purchases or deposited directly into your bank account.

Some popular cash-back services in Australia include:

Website	About	Signup Bonus
Cashrewards	Offers cash back on purchases at over 1,000 participating retailers in Australia	$10
Shopback	Offers cash back on purchases at over 500 participating retailers in Australia, as well as access to exclusive deals and discounts	$30
Honey	Automatically applies coupon codes and offers cash back on purchases at participating retailers	500 Honey Points

Note: These websites may have different terms and conditions and may not be available in all areas. It’s always a good idea to read the fine print and understand how each service works before signing up. The signup bonus amounts listed are current as of Jan 1st, 2023, but may change over time.

Credit cards with rewards programs

If you frequently shop online, you might want to consider using a credit card with a rewards program. These credit cards offer cash back or points on your purchases, which can then be redeemed for a variety of rewards such as flights, hotel stays, and more.

I have the The American Express Qantas Platinum Card, as it gives you access to a range of rewards and benefits as frequent flyers.

One of the main benefits of the American Express Qantas Platinum Card is the ability to earn Qantas Points on your purchases. With this card, you’ll earn 1.25 Qantas Points for every $1 spent on eligible purchases. These points can then be redeemed for flights, hotel stays, car rentals, and more through the Qantas Frequent Flyer program.

Other benefits of the American Express Qantas Platinum Card include a range of insurance covers, including travel insurance, purchase protection, and extended warranty protection. You’ll also receive concierge services, which can help you with tasks such as making dinner reservations or finding tickets to events.

Currently, you can receive a signup bonus of 55,000 Qantas Points when they apply for the Qantas American Express Ultimate Card, are approved and spend $3,000 on their new Card within the first 3 months. T&Cs apply. New Card Members only.

Loyalty programs

Many retailers in Australia offer loyalty programs that allow you to earn points or rewards on your purchases. These programs can be a great way to save money on your online shopping, as you can redeem your points for discounts on future purchases or access exclusive deals and promotions.

Some popular loyalty programs in Australia that I use regularly:

Program	Description
Everyday Rewards	Lty program offered by Woolworths allows you to earn points on your grocery purchases. These points can be redeemed for discounts on shopping, fuel savings, and Qantas Points.
flybuys	Loyalty program offered by Coles that offers rewards on a variety of products and services. With flybuys, you can earn points on your shopping at Coles and participating retailers, as well as on your everyday expenses such as fuel and insurance. These points can be redeemed for discounts on shopping, flights, and hotel stays.
Myer One	Loyalty program offered by Myer that allows you to earn points on your purchases at Myer and participating retailers. These points can be redeemed for a variety of rewards, including discounts on shopping and access to exclusive events and promotions.
Qantas Shopping	Program that allows you to earn Qantas Points on your purchases at participating retailers in Australia. These points can be redeemed for flights, hotel stays, car rentals, and more.
Priceline Sister Club	Loyalty program offered by Priceline that allows you to earn points on your purchases at Priceline and participating retailers. These points can be redeemed for discounts on shopping and access to exclusive events and promotions.
Accor ALL	Loyalty program offered by Accor hotels that allows you to earn points on your hotel stays and purchases at participating retailers. These points can be redeemed for a variety of rewards, including free hotel stays and flights.
Cotton On Rewards	Loyalty program offered by Cotton On that allows you to earn points on your purchases at Cotton On and participating retailers. These points can be redeemed for discounts on shopping and access to exclusive events and promotions.
Velocity Frequent Flyer	Loyalty program offered by Virgin Australia that allows you to earn points on your flights, hotel stays, and purchases at participating retailers. These points can be redeemed for a variety of rewards, including flights and hotel stays.
Dan Murphy’s Rewards	Loyalty program offered by Dan Murphy’s that allows you to earn points on your purchases at Dan Murphy’s and participating retailers. These points can be redeemed for discounts on shopping and access to exclusive events and promotions.

Coupon codes and discounts

Before you make a purchase online, be sure to check for any available coupon codes or discounts that could save you money. You can often find these codes on the retailer’s website or through online coupon websites such as Honey, which also has an easy desktop Chrome extension!

Often cashback sites like Shopback and Cashrewards also have discount codes on top of their offers.

Price comparison websites

Before you make a purchase online, it’s a good idea to check a price comparison website to ensure that you’re getting the best deal. These websites allow you to compare prices from multiple retailers to find the best price on the product or service you’re interested in. Some popular price comparison websites in Australia include PriceSpy, Finder, and Google Shopping.

Website	Description
Google Shopping	Allows you to search for and compare prices on a wide range of products from various retailers in Australia. You can also “track prices” to see when items go on sale or become cheaper!!
Finder	Offers a wide range of tools and resources to help you find the best deals on products from various retailers in Australia
Shopbot	Allows you to compare prices on a wide range of products from various retailers in Australia
Frugl	Offers a wide range of tools and resources to help you find the best deals on products from various retailers in Australia, including daily deals and coupon codes

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There are many different ways to save money on your online shopping in Australia. By using cash-back services, credit cards with rewards programs, loyalty programs, coupon codes, and price comparison websites, you can stretch your budget further and get the most value for your money.

Some of these are really simple to set up, include sign-up bonuses and are “set and forget” type so you can be earning and saving without even thinking!

Happy Shopping!!

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Please note that some of the links in this blog post are affiliate links. This means that if you make a purchase through one of these links, we may receive a small commission at no additional cost to you. We only recommend products and services that we believe in and use ourselves, and we are grateful for your support through the use of these affiliate links.

Information provided in this blog post is general in nature and is not intended to be financial advice. It is always a good idea to do your own research and consult with a financial professional before making any financial decisions. Each individual’s financial situation is unique, and what works for one person may not be the best choice for another. Therefore, it’s important to carefully evaluate your own financial needs and goals before making any decisions.

Thank you for your support and understanding.