Your AU Savings Onboarding

New arrival or long-time resident — set yourself up with these programs to start saving: cashback portals, high-interest bank accounts, loyalty points, and referral bonuses.

ShopBack AU

Australia's #1 cashback portal — online + in-store cashback at major AU retailers (Cashrewards closed in 2025, ShopBack is the go-to).

Cashback PortalsReferral needed

~$20 bonus for new members after $50+ spend and $20 confirmed cashback within 180 days (referrer gets ~$40) — verify current offer

TopCashback AU

Highest-rate cashback portal in AU — top pick alongside ShopBack since Cashrewards closed in 2025.

Cashback PortalsReferral needed

~$25 bonus after $10+ confirmed cashback within 180 days (boosted to $40–50 during promo months; referrer matches) — verify current offer

ING Orange Everyday

Fee-free everyday account with a $100+ referral bonus, 1% tap-and-pay cashback and free international ATMs — top pick for newcomers.

Bank AccountsReferral needed

~$100–125 cash for new customers via a referral code (open Orange Everyday + Savings Maximiser, deposit $1,000, make 5 card purchases in first month) — verify current offer

ubank

High-interest savings account with no monthly fees and a referral cash bonus.

Bank AccountsReferral needed

$30 for both new customer and referrer — make 5 eligible card purchases within first 30 days (18+) — verify current offer

Slick app-based bank with smart spending insights, no fees, and a referral bonus.

Bank AccountsReferral needed

~$18–30 for new customers via a referral code, paid after first card purchase (amount varies by code) — verify current offer

Macquarie Transaction Account

Zero-fee everyday account with no FX fees and a well-regarded mobile app.

Bank Accounts

Saves ~$5/month in account fees + ~2–3% FX fee savings on overseas purchases

Flybuys

Australia's biggest loyalty program — earn points at Coles, BP, Kmart, Target, and more.

Loyalty Programs

~$20–50/year in Coles dollars for typical grocery spend when bonus events are used

Everyday Rewards

Woolworths' loyalty program — earn points on groceries and redeem for shopping discounts.

Loyalty Programs

~$20–60/year in grocery discounts for typical household spend

Qantas Frequent Flyer

Earn Qantas points on flights, everyday spending, and hundreds of AU partner brands.

Loyalty Programs

Variable — best value for flight upgrades; worth joining (free) before your first Qantas flight

Velocity Frequent Flyer

Virgin Australia's free loyalty program — earn points and status on domestic flights.

Loyalty Programs

Free to join — worth holding to earn on any Virgin Australia flights you take

7-Eleven Fuel App

Lock in cheap fuel prices from anywhere in AU and redeem at any 7-Eleven servo.

Fuel Apps

~$10–30 saved per tank during price-cycle peaks compared with local servo prices

Nomni (formerly Liven)

Dining-rewards app (rebranded from Liven to Nomni in 2025) — pay in-app at partner restaurants to earn redeemable rewards.

Food & Dining AppsReferral needed

~$5–10 reward credit for new members who sign up via a referral (check current terms)

Wise (multi-currency / no-FX)

Send money internationally at near mid-market rates — essential for newcomers remitting home.

Travel & FXReferral needed

~$50–75 AUD equivalent fee-free transfer for new customers via referral (check current terms)

Revolut AU

Multi-currency fintech card with no FX fees on everyday purchases and competitive exchange rates.

Travel & FXReferral needed

~$20–50 AUD for new users who sign up via referral and make qualifying spend (check current terms)