How to save on Black Friday: A guide to scoring big on your Christmas shop

different coloured letters on a black background spelling SALE surrounded by black and red Christmas presents bought on black friday

While in the US Black Friday has been a long enjoyed part of Thanksgiving, the shopping extravaganza is fairly new in Australia.

Black Friday falls on 26 November this year and it promises to be a massive one as more Aussie retailers are expected to join the sales event. Which means one thing for you … lots of savings!

So, whether Black Friday 2021 is your first or you’re a seasoned bargain-seeker, here’s how to be prepared for one of the biggest shopping days of the year.

1. Know what you’re looking for on Black Friday

Black Friday can be competitive, as people across the globe are all looking to jump on the same deals. 

Firstly, know which day Black Friday falls on. It’s always on the fourth Friday of November, but the date changes year to year. This year, it’s the 26 November 2021. 

On the actual day, you’ll want to avoid spending too much time browsing as items sell out quickly. Think about what you’re looking for in the days and weeks beforehand. 

Write a list and give yourself the freedom to shop around. Target the best deals on specific items or, to make the process simple, create wishlists on your favourite retailers’ site. Having a wishlist means you can quickly add your items to your cart and check out without wasting time searching for them. You’ll also avoid the temptation to impulse buy things you don’t need.

Don’t know what you’re looking for? Check out some of the hottest pre-Black Friday deals:

  • Sephora: up to 50% off select makeup and beauty products
  • Bose: Up to 40% off select refurbished items
  • Dell: Up to 40% off select Dell products, including laptops and desktops
  • Petbarn: 30% off select dog and cat foods

2. Set yourself a Black Friday shopping budget

Black Friday is a day dedicated to savings, so don’t use it as an excuse to blow your budget. Go into the sales knowing exactly how much you’re willing - and can afford - to spend.

Set yourself a spending limit so you have the freedom to buy the things you need at a discounted price, without the fear of going off the rails.

An additional tip: While Black Friday shopping, don’t purchase anything that is not on sale. If something you’ve had your eye on isn’t discounted, take the time to search for a better price elsewhere. If it’s full price at all retailers, then it’s very unlikely to sell out and you can account for that at a later date.

3. Set your Black Friday alarm and be ready for midnight

Most big Black Friday online sales start at midnight. So, if you’re looking to nab a particularly hot item from a popular brand, your chances of succeeding are much higher if you get in at the beginning.

Logging on to browse the sales on Friday afternoon will most likely leave you disappointed with all the good stuff sold out. So, grab yourself a coffee and get ready for some late-night bargain shopping.

An additional tip: If you’re looking to shop at your favourite international brands, make sure you account for the time difference. Most stores in the US and UK will not launch their Black Friday sales until early to mid-afternoon Friday Aussie time.

4. Make sure your NBN is reliable for high-speed Black Friday shopping

Black Friday is a very high traffic time for online shops. As it has grown globally, there are more and more people all wanting the best deals, putting stress on retail sites.

In the past, sites have crashed due to the extremely high number of customers during such a concentrated period. Site load speeds also sometimes slow way down and your shopping experience is brought to a snail’s pace.

To be really prepared for the ultimate Black Friday, get the best and fastest NBN you can. Especially if you have more than one avid shopper in your home, you’ll want to find the optimal NBN speed for your household.

5. Credit cards, debit cards, Buy Now PayLater: Be smart about Black Friday payment methods

Organise your selected method of payment well before jumping head-first into the frenzy of Black Friday.

Whether you’re using a credit card or utilising an interest-free buy now, pay later (BNPL) service, it’s essential to know the pros and pitfalls of your selected method.

Rewards Credit Cards

  • If you know you’re going to purchase a lot, such as your entire Christmas list, take advantage of introductory bonus point offers with initial spend requirements.
  • Many premium cards offer non-points benefits, such as purchase protection and an extended warranty that could cover your Black Friday buys.
  • If shopping online at international stores, be mindful of the card’s foreign exchange fee and the exchange rate as you’ll need to factor these into your final price.
  • Remember: Rewards credit cards can often come with hefty annual fees and higher-than-average interest rates. Make sure whichever card you select suits your budget long term, beyond Black Friday.

Check out some top rewards credit cards below:

Top rewards credit cards for Black Friday - rates updated daily

Search promoted rewards credit cards below or do a full Mozo database search. Advertiser disclosure.
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    Westpac Altitude Black

    Earn up to 180,000 bonus Altitude Points ($6k min. spend in the first 120 days on eligible purchases). 0% balance transfer for 24 months. 1% BT fee. Discounted Annual Fee of $99 for the first year. New cards only. Offer ends February 24th 2022. T&C's and exclusions apply.

    Rewards program
    Annual fee
    Bonus points
    Earn rate per $1
    Altitude Rewards
    $250 $99 in the first year
    1.25 points uncapped
    Go to site
  • placeholder
    NAB Qantas Rewards Signature Card

    NABs fastest way to earn Qantas Points. 110,000 bonus Qantas Points when you spend $3,000 on everyday purchases within 60 days of account opening and keep the card open for 12 months. Access to 6 complimentary insurances when you make eligible purchases.

    Rewards program
    Annual fee
    Bonus points
    Earn rate per $1
    Qantas Frequent Flyer
    $395 $295 in the first year
    1 point up to $5,000/month, then
    0.5 points up to $20,000/month
    Go to site
  • placeholder
    American Express Explorer® Credit Card

    Receive 240,000 Bonus Membership Rewards Points when you apply online by 30 November 2021, are approved and spend $3,000 on your new Card within the first 3 months. T&Cs apply. New Card Members only.

    Rewards program
    Annual fee
    Bonus points
    Earn rate per $1
    Membership Rewards
    2 points uncapped
    Go to site
  • placeholder
    St.George Amplify Rewards Signature

    Earn up to 200,000 Bonus Amplify Rewards Points over 2 years (100k yr 1, 100k yr 2) when you spend $12k on eligible purchases each year. New cards only, Eligibility criteria and T&Cs apply. Offer ends February 24th 2022.

    Rewards program
    Annual fee
    Bonus points
    Earn rate per $1
    1.5 points uncapped
    Go to site

Buy Now Pay Later (BNPL)

  • Sign up for a BNPL service in the days and weeks before Black Friday so you’re ready to jump right into shopping when the sales start.
  • If you purchase your Black Friday loot with a BNPL service, you can have little to no upfront costs, and then pay back the balance in interest-free instalments.
  • Remember: Stick to one service. While it might be tempting to sign up for a few different BNPL providers to access more Black Friday offers, this isn’t prudent. It can be too easy to lose track of how much you buy if you use multiple services.
  • Remember: Although many BNPL platforms don’t charge interest, there are often late fees, and missing payments can impact your credit. You will have to repay the money you spend, so don’t spend more than you can afford

Want to find out more about Buy Now Pay Later options that are available in Australia right now? Jump over to our Buy Now Pay Later hub for more info!