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Don’t miss out: Top offers to save you $$ in 2023

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Get ahead in 2023 by taking advantage of these top offers before they expire

Now the festive season is behind us there's never been a more important time to get on top of your finances. Thankfully, there are plenty of offers and deals out there in January, helping you to leave those rip off expenses behind in 2022 and be in better shape for 2023.

Here are just a few deals to take advantage of now across the biggest areas of your life, but there are more available on our website.

Be quick, they won't be around for long.

Refinance your home loan

Refinancing your home loan can move you onto a lower interest rate, thereby reducing your monthly repayments. But it can save you money in other ways too, such as by reducing any ongoing fees or when you take advantage of cashback offers.

Refinance cashback offer

HSBC is offering a $3,288 cashback for eligible refinancers who switch to one of its home loans. You need to apply by 28 February 2023 to qualify, and there are other terms and conditions.

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Refinance cashback offer

IMB has a $2,000 cashback for eligible refinancers who switch to one of its home loans. You need to apply by 31 March 2023 to qualify. Other terms and conditions apply.

Learn more about this offer

Find more refinance offers on our home loan refinance guide.

Manage your credit card debt

If you're trying to manage your credit card debt after Christmas, you could benefit from consolidating your debt and/or transferring it to another credit card. And if back-to-school spending is on your mind, a 0% purchase rate offer could also help you save on interest.

0% interest offer

Sign up to a Coles No Annual Fee Mastercard by 31 January 2023 and you'll pay 0% interest on purchases for the first 15 months, as well as earning Flybuys points while you spend! It also offers 0% interest on balance transfers for 6 months.

Learn more about this offer

Check out more competitive balance transfer credit card offers.

Earn more points

If you're more concerned about maximising your points, there are some limited time credit card offers that let you get more points relatively easily.

Bonus points offer

With the Qantas American Express Ultimate credit card you can get up to 100,000 bonus Qantas Points if you apply by 31 January 2023 and spend $3,000 on eligible purchases in the first 3 months. You'll also need to be a new Amex customer and apply online through select partners like Finder.

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Cashback offer

With the Citi Premier Card - Cashback Offer you can earn reward points and get a $600 cashback if you apply by 31 January 2023 and make $2,000 worth of eligible purchases with Apple Pay, Google Pay or Samsung Pay in the first 90 days.

Learn more about this offer

Compare more credit cards with reward points or frequent flyer points.

Take a look at your car insurance

Car insurance is often something people only think about once a year. But use this time to really consider whether you're on the best deal. There are some great offers around in January, like the below.

Car insurance offer

If you take out Coles car insurance you can save 15% when you buy online. The insurance comes with monthly or annual instalments, flexible excess options and coverage for all the essentials.

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Car insurance offer

If you take out comprehensive car insurance with Kogan before 2 February 2023, you'll get $125 off your first year premiums, plus $10 monthly credit for shopping on the Kogan website.

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Compare more comprehensive car insurance policies to find a suitable option for you.

Reconsider your energy provider

If you're looking for a new energy provider, you might want to take advantage of some of the bundling deals around at the moment. Alternatively, you might be able to get credit when you sign up.

Energy sign-up credit

CovaU is offering up to $100 credit when you sign up online: that's $50 electricity credit and $50 gas credit which will be applied to your first invoice. The offer is available for residents in NSW, Victoria, South Australia, Queensland, ACT and Tasmania.

Learn more about this offer

Not what you need? Check out our full guide to getting a cheaper energy deal.

Compare your broadband options

Often one of those things you set and forget, you could be paying much more for your internet than you need to. Now's the time to take a look at some of the offers around.

Discount broadband offer

Sign up to Dodo's broadband plan and you can get your first 6 months of internet from as little as $53.95. This is for new customers only. You might save even more if you bundle your energy plan with Dodo too.

Learn more about this offer

Compare more broadband plans and get a better deal.

Get a cheaper phone plan

When was the last time your checked your phone bill? Some providers offer very cheap plans for the first few months. The savings start to add up pretty fast.

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Find more tips for getting a cheaper phone plan today.

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