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The weekend known for scoring incredible deals and discounts is almost upon us. Black Friday (29 November) through to Cyber Monday (2 December) is expected to be bigger and better than ever and that means you need to be prepped and ready with your wishlists, bookmarks and your payment choice.
As most Aussies will be hitting the Black Friday sales virtually, our editors have picked some of the best credit card deals for saving money or earning points while you shop - as well as those that provide some extra purchase protections.
While credit cards can provide many benefits, make sure any card you select has interest rates and fees that suit your budget well beyond Black Friday.
It’s also worth noting that while some providers could issue you with a ‘virtual card’ once approved, it could take a number of weeks for a physical card to arrive in the mail.
Let’s take a look at some of the deals currently in the market.
0% interest offers on purchases for 15 months + rewards
Mozo may receive payment if you click products on our site. Mozo does not compare the entire market.
Important disclosures
Important disclosures
Advertiser disclosure
This table shows a range of products, and we may receive payment if you use the links provided. It does not show all providers or all products from the providers. Mozo is paid a fee by the product issuer if you use a link on our site to go to their site from ours, make an inquiry, or you take out a product with them. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo. You do not pay any extra for using our service.
We may also include the option to search all the products in our database, regardless of whether we have a commercial relationship with the providers of those products or not. While we pride ourselves on covering a wide range of products, we don't cover every product in the market.
Sometimes we may choose to advertise certain products more prominently, either by showing them as ‘Promoted’ at the top of a table or by selecting a set of specific products to feature on a page. Otherwise our comparison tables typically sort according to estimated repayments for loans and interest rates for deposits, and they show products that meet the criteria in the filters. You can change the filter settings to see other products.
We provide only general advice
Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the Product Disclosure Statement (PDS) or offer documentation, or seeking independent advice. It is also advised to review Target Market Determination(TMD) of products that you are considering. The TMD can be found on the provider's website.
Citi Rewards Credit Card
0% on purchase for 15 months
0% on balance transfers for 15 months (2% balance transfer fee)
Right now, with the Citi Rewards credit card you can enjoy 0% p.a. on all purchases for 15 months (reverts to the standard purchase rate of 22.49% p.a.) so you can spread out the cost of your Black Friday shopping without paying interest.
You’ll also earn 1 Citi reward point for every dollar you spend domestically (capped at 10,000 per statement period) on eligible transactions and 1 point for every dollar internationally on eligible transactions which you can then spend in a number of different ways from travel to shopping.
The card comes with up to 3 months complimentary travel insurance when you pay at least $500 of your upfront travel costs on the card, are under 81 years and have a return ticket before departing Australia. The annual fee is $199 and you can have up to 4 additional cardholders ($90 per card, annually). There is also a 0% p.a. balance transfer offer of 15 months available (which will revert to the cash advance rate of 22.99% p.a.) with a 2% balance transfer fee. The minimum credit limit on this card is $2000.
Double points at kogan.com, no annual fees plus 0% on purchases for 9 months
Mozo may receive payment if you click products on our site. Mozo does not compare the entire market.
Important disclosures
Important disclosures
Advertiser disclosure
This table shows a range of products, and we may receive payment if you use the links provided. It does not show all providers or all products from the providers. Mozo is paid a fee by the product issuer if you use a link on our site to go to their site from ours, make an inquiry, or you take out a product with them. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo. You do not pay any extra for using our service.
We may also include the option to search all the products in our database, regardless of whether we have a commercial relationship with the providers of those products or not. While we pride ourselves on covering a wide range of products, we don't cover every product in the market.
Sometimes we may choose to advertise certain products more prominently, either by showing them as ‘Promoted’ at the top of a table or by selecting a set of specific products to feature on a page. Otherwise our comparison tables typically sort according to estimated repayments for loans and interest rates for deposits, and they show products that meet the criteria in the filters. You can change the filter settings to see other products.
We provide only general advice
Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the Product Disclosure Statement (PDS) or offer documentation, or seeking independent advice. It is also advised to review Target Market Determination(TMD) of products that you are considering. The TMD can be found on the provider's website.
Kogan Money Black Credit Card
0% p.a. on purchases for 9 months
0% p.a. on balance transfers for 9 months (1% balance transfer fee)
Black Friday Sales at Kogan.com are not to be missed and with the Black Credit Card you can earn 2 rewards points per dollar on your eligible purchases and enjoy 0% p.a on purchases for 9 months (reverts to variable retail purchase rate, currently 21.99% p.a). There’s also a 0% p.a. balance transfer for 9 months with a 1% balance transfer fee (reverts to cash advance rate of 22.74% p.a.)
There are no annual fees on this card and in addition to the 2 rewards points on eligible purchases at Kogan.com you will also get 1 rewards point per dollar on eligible everyday purchases too. You’ll be able to add up to 4 additional cardholders at no cost and stay safe with security and fraud protection with Fraudshield and Visa Zero Liability (T&Cs apply). $6000 minimum credit limit.
Bonus rewards points, travel perks plus extended warranty and purchase protection
Mozo may receive payment if you click products on our site. Mozo does not compare the entire market.
Important disclosures
Important disclosures
Advertiser disclosure
This table shows a range of products, and we may receive payment if you use the links provided. It does not show all providers or all products from the providers. Mozo is paid a fee by the product issuer if you use a link on our site to go to their site from ours, make an inquiry, or you take out a product with them. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo. You do not pay any extra for using our service.
We may also include the option to search all the products in our database, regardless of whether we have a commercial relationship with the providers of those products or not. While we pride ourselves on covering a wide range of products, we don't cover every product in the market.
Sometimes we may choose to advertise certain products more prominently, either by showing them as ‘Promoted’ at the top of a table or by selecting a set of specific products to feature on a page. Otherwise our comparison tables typically sort according to estimated repayments for loans and interest rates for deposits, and they show products that meet the criteria in the filters. You can change the filter settings to see other products.
We provide only general advice
Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the Product Disclosure Statement (PDS) or offer documentation, or seeking independent advice. It is also advised to review Target Market Determination(TMD) of products that you are considering. The TMD can be found on the provider's website.
Amex Explorer Credit Card
Earn 50,000 bonus points by spending $4000 on eligible purchases in the first three months
You can turn your Black Friday shopping into adventures with the American Express Explorer credit card starting with the 50,000 bonus points you’ll receive when you spend $4000 in the first three months on eligible purchases (T&Cs apply). This card is also packed with travel benefits including: complimentary domestic and international travel insurance (when you purchase a return trip on your card), two passes to the Centurion Lounge at Sydney or Melbourne airport each year, and a $400 travel credit to use on flights, hotels or car hire when you book through American Express Travel.
You’ll earn 2 points per dollar spent (excluding government bodies in Australia in which you only earn 1 point per dollar) and there isn’t a limit to the amount of points you can earn. You can also add up to 4 additional cards for no extra fee to help you earn rewards faster. And when it comes to redeeming those points you have a choice between redeeming them with airline partners, retailer gift cards, paying for charges on your account or shopping online at Myer.
Other important perks with the card include Buyer’s Advantage Cover which extends the manufacturers’ warranty by up to 12 months on eligible items purchased with your card and Card Purchase Cover, covering you for the replacement of eligible items purchased on your Card. (T&Cs apply)
Get up to 55 days interest free when you pay your balance off in full each month. There is a 22.99% p.a. interest rate on purchases and a $399 annual fee to consider as well as a $3000 min credit limit.
60,000 bonus Qantas points, travel perks plus purchase and refund protection
Mozo may receive payment if you click products on our site. Mozo does not compare the entire market.
Important disclosures
Important disclosures
Advertiser disclosure
This table shows a range of products, and we may receive payment if you use the links provided. It does not show all providers or all products from the providers. Mozo is paid a fee by the product issuer if you use a link on our site to go to their site from ours, make an inquiry, or you take out a product with them. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo. You do not pay any extra for using our service.
We may also include the option to search all the products in our database, regardless of whether we have a commercial relationship with the providers of those products or not. While we pride ourselves on covering a wide range of products, we don't cover every product in the market.
Sometimes we may choose to advertise certain products more prominently, either by showing them as ‘Promoted’ at the top of a table or by selecting a set of specific products to feature on a page. Otherwise our comparison tables typically sort according to estimated repayments for loans and interest rates for deposits, and they show products that meet the criteria in the filters. You can change the filter settings to see other products.
We provide only general advice
Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the Product Disclosure Statement (PDS) or offer documentation, or seeking independent advice. It is also advised to review Target Market Determination(TMD) of products that you are considering. The TMD can be found on the provider's website.
Amex Qantas Ultimate Credit Card
Earn 50,000 bonus Qantas points by spending $3000 on eligible purchases in the first three months
Get 2.25 Qantas points for every $1 spent on Eligible Qantas products and services
As the name suggests, this is the ultimate card for Qantas enthusiasts and for earning Qantas points on Black Friday deal shopping. First up, if you apply and are approved before 14 January, 2025, and spend $3000 on the card in the first three months you’ll earn 50,000 Qantas bonus points.
This card comes with Card Purchase Cover, covering eligible items purchased with your Card and Card Refund Cover, covering the cost of eligible items when a store refuses a return (T&Cs apply)
Each year you’ll also receive a $450 credit to use on Qantas flights when you book through American Express Travel, two complimentary entries to The Centurion Lounge, plus two Qantas Club Lounge invitations (after purchasing select Qantas products and services). You will get 2.25 Qantas Points for every $1 spent on eligible Qantas products and services and 1.25 Qantas Points on everyday purchases (excluding government bodies in Australia in which you only earn 0.5 point per dollar) After a total of 100,000 Qantas Points are earned in a calendar year after the everyday earn rate will change to 1 Qantas Point per $1 spent.
You can have up to 4 additional cards at no extra fee to help you earn rewards faster. The annual fee on this card is $450, there’s a 44 day interest free period and the purchase rate is 23.99% p.a. $3000 min credit limit applies. T&Cs apply.
Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.
While we pride ourselves on covering a wide range of products, we don't cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.
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Join the 35K+ subscribers who receive our weekly Moneyzone newsletter, showcasing the latest rate movements, exclusive deals, money-saving hacks, and expert insights from Mozo.
Our goal at Mozo is to help you make smart financial decisions and our award-winning comparison tools and services are provided free of charge. As a marketplace business, we do earn money from advertising and this page features products with Go To Site links and/or other paid links where the provider pays us a fee if you go to their site from ours, or you take out a product with them. You do not pay any extra for using our service.
We are proud of the tools and information we provide and unlike some other comparison sites, we also include the option to search all the products in our database, regardless of whether we have a commercial relationship with the providers of those products or not.
'Sponsored', 'Hot deal' and 'Featured Product' labels denote products where the provider has paid to advertise more prominently.
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Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
