This is because of the discounts they get through points, as well as other member benefits. ÌÇĐÄVlog research confirms the prevalence of these perceptions. In our latest Consumer Pulse surevey*, we asked people about the best way to get value for money when buying groceries; one in two people (54%) told us they believe reward or loyalty programs help them save money.

We’ve previously highlighted concerns about these programs, and those concerns remain. While you may enjoy accruing points for discounts at your supermarket there are definite cons. These include:

• more targeted marketing facilitated by the data collected on you could make you more likely to spend more
• you might be less likely to shop around for better prices
• you’ll be subject to more direct marketing 
• your data will be collected and shared by the companies running these programs. 

All of these can be significant drawbacks for some. 

But despite these concerns, there are still plenty of people using these programs. So will they save you money?

Are loyalty programs worth it?

ÌÇĐÄVlog has been collecting supermarket pricing data for more than two years now, and we’ve done some calculations based on that data to determine whether using an Everyday Rewards or Flybuys membership will actually save you money on your groceries.

We found that it didn’t, and here’s why. 

Our calculations show that even when using your loyalty programs to accrue points and earn discounts at Coles and Woolworths, you’ll still be paying more for your groceries than you would if you shopped at Aldi, or switched between supermarkets to take advantage of specials. Staying loyal to one supermarket over another is almost certainly costing you money. 

How we calculated the costs

Since 2024 we’ve been conducting quarterly basket surveys across the country, checking the prices of a range of items at Aldi, Coles, Woolworths and IGA. Using that data, we’ve calculated how much you would have spent if you shopped for the items in our grocery basket at Aldi (which we’ve found to be the cheapest in all of our grocery basket surveys so far) versus buying comparable baskets at Coles and Woolworths (without specials), over the course of a year.

We then took the value of the points you’d have earned with your loyalty program and calculated how much you could save, according to the terms and conditions of the programs in question. 

Both Flybuys and Everyday Rewards offer $10 off a shop when you accrue 2000 points, and the base offer is one point per dollar spent. In addition, both programs also give users various options to increase the value of the points gained from each purchase. Because these options for boosting points change often and may be different for different users, we’ve not included them in our calculations. 

We’ve also only factored in the points you’d accumulate with your supermarket shopping, but with both Everyday Rewards and Flybuys you can also acquire points by shopping at partner businesses.

Our scenario:

• You buy every item we survey in our quarterly grocery baskets once a week for three months.
• To work out how much you’d spend, we take the average cost of the total basket per quarter per supermarket, multiply it by 13 (the number of weeks in three months), which gives us a total quarterly cost.
• We do the same for each quarter then add the four quarters together to give us a yearly total. 
• We calculate the points value for Flybuys and Everyday Rewards and compare the savings (based on $10 per 2000 points, where $1 equals 1 point) to the savings made if you’d shopped at Aldi, where the totals of our surveyed baskets were lowest in every quarter. Our baskets typically included a mix of fresh fruit and vegetables, meat, dairy and packaged foods. However, we only ever shop for a much smaller basket of items than the typical shopper would buy. 

So how much would you have saved?

Looking at the data for our average costs for the products we surveyed at Coles, Woolworths and Aldi in the four quarters of our 2025 surveys (March, June, September and December), we calculated that the total spend at Aldi would have been $3368.30. At Woolworths, our comparable basket cost $3911.32, while at Coles it was $3962.14. 

Given that each dollar spent earns you one point and that 2000 points gives you a $10 discount, that means you’d earn just $10 across the year for these purchases, which still leaves you paying significantly more than you would at Aldi. 

But what if you earn double the points and get a 10% discount (up to $50 at both Coles and Woolworths) once a month, an offer that’s available to both Coles and Woolworths shoppers who sign up to either Coles Plus Saver or Woolworths Everyday Extra? 

Taking into account those savings and the double points (minus the cost of membership which is $7 a month), across the year you’d save $15.05 at Coles and $13.78 at Woolworths. In other words, you’d still have been far better off buying the cheaper groceries at Aldi. 

More than just points

Of course, this is a hypothetical situation that looks just at the products in our survey, and many fans of the loyalty programs tell us that they make more of their membership by taking advantage of the deals they’re offered. 

Plus, membership of one of these programs doesn’t only earn you some savings on your groceries. There are additional incentives, including discounts on your fuel and insurance, plus alerts and reminders when your regularly purchased products are on sale, possible discounts on grocery deliveries and the ability to use your points for travel. 

All of these can make the programs more attractive and we haven’t factored in any of these savings in our calculations. 

We also know that some shoppers buy their insurance through Coles and Woolworths, taking advantage of the bonus points and ongoing incentives that they earn on their Everyday Rewards and Flybuys membership. 

However, when our insurance experts examined these products they weren’t impressed. While savings on your groceries are great, insufficient insurance coverage or tricky caps or exclusions could leave you regretting your decision if you ever need to claim. 

While it’s difficult to put an accurate number on their value, it’s likely that to make the most of your loyalty program you will need to take advantage of the special offers, because the points accrued from simply shopping at the same store each week have little value. 

Even then, you may need to shop around to get the best deals and take advantage of sales. Remember, ultimately, the supermarkets who run these programs are looking to maximise their profit and keeping you loyal is a way to do that. 

How much do shoppers think they save?

Our research shows that many members of these programs see real value in their membership. In fact, when we asked about their savings in our recent Consumer Pulse survey, they told us that they estimated they were saving around $234 per year, on average, using their Woolworths loyalty Everyday Rewards card and around $214 with Flybuys.

However, if you’re only using your membership for the points and hoping it will add up to enough of a discount to make shopping around for better prices unnecessary, we think you should consider exactly how much those points are worth before deciding to stay loyal to your supermarket. 

It’s also worth remembering that if you’re only sticking to one store because you are focused on building your points balance, you may be missing out on better prices elsewhere. While it can be more work to compare prices at different stores (if that’s even an option for you), finding the best price is probably worth the effort, even if it means you are missing out on points from a more expensive purchase. 

* ÌÇĐÄVlog Consumer Pulse was conducted in March 2026 among 1096 Australian households, representative of the Australian population based on the 2021 ABS Census data. 

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More often though, consumers find themselves facing the opposite problem. These days, you’re much more likely to go into a shop and find that they only accept card payments. And that can leave the people who rely on cash out in the cold.

The importance of paying with cash

Across Australia there are around 1.5 million people who still use cash almost all the time. Some of them need to use it because they live somewhere with a poor internet connection or no internet at all, others aren’t comfortable with online banking, and others use cash as a way to budget week to week.

It can also be a critical backstop when things go wrong. Cash can allow us to continue to buy essentials when a natural disaster or an outage has made digital services unavailable, and it can act as a security measure for people who are experiencing family violence, to avoid transactions being tracked or money being transferred out of their account.

New regulations on cash acceptance

This may come as a surprise, but even though cash is legal tender, consumers in Australia have never previously had the legal right to use it. So late last year, the government introduced new regulations requiring major supermarkets and petrol stations to accept cash payments, for transactions of $500 or less that are made between the hours of 7am and 9pm. The regulations commenced on 1 January this year, and on 1 July the enforcement powers came into effect. That means that as of last week, if a supermarket or petrol station refuses to allow a customer to pay with cash, they could find themselves getting a (metaphorical) knock on the door from the ACCC, and could face penalties of up to $198,000.

We have mixed feelings about where the law has landed on this issue. We campaigned for a cash acceptance mandate, and we were glad to see the government take a form of action to recognise the barriers that cash users are running into. However, we were disappointed to see them take such a narrow view of what constitutes an essential.

I’m prepared to grudgingly accept that a scoop of gelato isn’t an essential item. But many genuinely essential products and services are still not covered by the new cash acceptance mandate, including medication and medical supplies, telecommunications equipment, public transport, car parts and repairs, and even clothing and shoes.

This has created some strange quirks in the way the rules work. Supermarkets are covered but pharmacies are not, so Australians now have the legal right to use cash to buy paracetamol but not prescription medication. Petrol stations are covered but car repairers aren’t, so Australians now have the legal right to pay cash to fill their tank, but not to have a flat tyre replaced, even though both are necessary to get where they’re going. And someone going to the same place by the train or bus has no right to use cash for their ticket.

As for clothing, well I was pretty surprised to learn that the government doesn’t think that’s essential. 

Looking to the future

So where do we go from here?

First of all, where the cash acceptance mandate is now in effect, we need to see it rigorously enforced. We’ll be watching very closely to see that supermarkets and petrol stations are following the new rules, and we’ll be encouraging the ACCC to step in if any businesses aren’t. 

We’re also going to keep pushing the government and the banks over the closure of local bank branches. Since 2017, Australians have seen more than 2400 bank branches and more than 8600 bank-owned ATMs disappear. The legal right to use cash is a lot less useful if people can’t access it in the first place. 

Beyond that, we still think the mandate needs some major improvements. ÌÇĐÄVlog campaigns rely on the intel and experiences of readers and supporters. If you’ve tried to pay cash somewhere and been refused, send us an email at campaigns@choice.com.au and let us know.

We’re going to continue to make the case for a mandate that covers a fuller range of essentials, so that those who need to can keep using cash for the things we can’t live without.

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 but not everywhere you’d expect appeared first on ÌÇĐÄVlog.

Having worked at the Indigenous Consumer Assistance Network (ICAN) for six years, he says the most important part of the role is keeping an open mind, especially to differences in experiences. 

“The biggest lesson is that there’s always more lessons. It is the kind of job where you continue to learn more and more, not just the work and the role that we do, but about people’s experiences, what is happening for the clients that we see,” he says. 

Speaking to ÌÇĐÄVlog from ICAN’s head office in Cairns, Alex says he didn’t think he would end up as a financial counsellor and fell into the role after getting sick and tired of a “dead-end job” at Centrelink during the COVID-19 pandemic. 

Over the last half-decade his role has taken him all across Far North Queensland and out to the many remote communities ICAN serves and supports. Alex says there were many elements of the job that he didn’t expect. 

“In general, the amount of businesses and places that really go out of their way to unfortunately exploit people who might not have other options, it really shocked me even within Cairns, but [also] more broadly,” he says. 

“Across the whole of the service area we work in, from Townsville up through to the Torres Strait, we see so many creditors and companies that aren’t always acting in people’s best interest. That aren’t giving people a fair shake in terms of what products they’re being sold or what kind of loans and finances they might be accessing, that’s something that has really stood out to me”. 

Across the vast area of Far North Queensland, he says remote First Nations people have extremely different experiences to those living in the city or regional centres, something that took some adjusting to, even having been born and raised in Cairns himself. 

“I don’t think you can really appreciate the differences until you visit,” he says. 

“The differences in services that we take for granted. What it means to have a bank tell you you have to come into a branch to fix a problem and that means an 800km trek over rough roads.” 

“There’s a lot that is lacking in terms of services, but at the same time there is a closeness to the tight-knit communities and the familiar connection that is really special when you get to see it, when you are lucky enough to visit,” he adds. 

When asked if his job as a counsellor in remote First Nations communities is made easier by him being First Nations himself, Alex shies away from the idea, saying conversations about fishing and the region’s NRL team the Cowboys are what break down barriers in community more than anything else. 

He says he continues to find the job rewarding and is hoping to have an even bigger impact as he transitions away from frontline financial counselling work and moves more towards a workforce development role across the northern parts of Australia for ICAN. 

For Alex, it is the chance to make systemic changes that remains the most rewarding part of the job. 

“Helping people one-on-one is important and obviously rewarding, but it’s that systemic advocacy and when you can make systems change for a large number of people that really excites me,” he says. 

“The highlight of the job is when you can highlight a big problem, find the right channel to get it fixed and get that outcome,” Alex adds.

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It’s hard to keep track of the many ways the two big supermarkets push us into paying more. The recent court win by the Australian Competition and Consumer Commission (ACCC) against Coles for deceptive promo pricing shined a light on just one example. It’s no surprise to many shoppers that the ACCC is pursuing a parallel case against Woolworths for the same sort of conduct.

Fake promotions on certain products trick us into believing we’re bagging a bargain, but grocery pricing manipulation goes much deeper than this. In 2023, we gave Coles and Woolworths a Shonky for pursuing excessive profit margins throughout their stores.

It was all the less palatable that this was happening in the midst of a cost-of-living crisis. The duopoly claimed the higher prices reflected their higher costs, but neither shoppers nor the ACCC bought it.

The federal government has taken notice of our efforts to expose supermarket price gouging in recent years, and in December last year it announced a new excessive grocery pricing prohibition to be enforced by the ACCC.

This ambitious measure comes into effect on 1 July 2026. Will it mean grocery prices will noticeably decrease? It is far too soon to tell, but regulatory intervention in such a highly concentrated sector at least holds the promise of a win for consumers. The prohibition applies to supermarkets with an annual revenue of more than $30 billion, which would currently only include Coles and Woolworths.

“The excessive pricing prohibition provides us with another tool within our broader toolkit to protect consumers and promote competition in the supermarket sector,” says ACCC acting chair Catriona Lowe, adding that the competition watchdog will focus its attention on products “where excessive pricing is likely to cause the most harm to consumers”.

Consumer vigilance has been a big part of unearthing supermarket pricing tactics, and Lowe says the ACCC invites both shoppers and supermarket suppliers to blow the whistle on excessively priced products following the introduction of the ban.

How will pricing monitoring work?

It goes without saying that Coles, Woolworths and other major grocery retailers should be allowed to be profitable like any other business. The question is whether the profits are coming at an unreasonable expense to consumers, given that essential services don’t get much more essential than food.

The prohibition gives the ACCC the power to open the supermarkets’ books to check on the difference between how much they’re paying suppliers for products and how much they’re asking customers to pay.

If the gap is too wide, it could be a case of excessive pricing. Retailers found to be fleecing consumers could be fined $10 million, three times the value of the benefit derived or 10% of their annual turnover during the preceding 12 months, whichever is greater.

“The government has progressed critical reforms on price transparency and unit pricing, but these measures need to be delivered quickly, in tandem with the new excessive pricing regime, in order to adequately restore fairness at the checkout,” says ÌÇĐÄVlog senior policy and campaigns adviser Bea Sherwood.

“Excessive pricing is also not confined to the major supermarkets. Consumers are feeling the pinch across a range of essential services and the government should introduce an economy-wide price gouging regime to stamp out unfair pricing wherever it occurs.”

Price gouging hard to prove

The ACCC has acknowledged that it will be a formidable task to catch supermarkets out, given the innate complexity of product pricing across thousands of products.

Associate Professor Dr Meg Elkins of RMIT University says “the law’s real test won’t be in court, it’ll be in the public’s gut. Shoppers don’t compare prices to a retailer’s costs, they compare them to what they remember paying last time”.

“The law’s test is cost-based, asking whether the price is excessive relative to the cost of supply. But the public’s test is memory-based, asking whether this price is higher than expected,” she explains.

Prices increases due to a bad harvest or rising freight costs “will still feel like gouging at the checkout,” Elkins adds.

“The law doesn’t define what ‘excessive’ means, or what counts as a reasonable margin. That’s not a drafting oversight – it reflects how genuinely hard this is to pin down. Supermarkets sell thousands of products with shared costs, so isolating one item’s true margin is close to impossible.”

But granular analysis appears to be possible. The ACCC’s case against Coles focused on 245 everyday products sold between February 2022 and May 2023, where prices were increased by at least 15% for a short time and then placed on a ‘Down Down’ promotion.

The ACCC was able to determine that promo prices were the same or higher than the previous regular prices. The court case focused on 14 representative promotions. Penalties have yet to be determined.

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As we begin the third year of our quarterly grocery basket survey, we’ve made some more changes to the contents of our baskets. 

As always, we aim to compare like-for-like products across the major supermarkets to help you find the best value. This quarter, our mix of fresh and packaged foods is a snapshot of the sorts of products you might choose on a regular basis, as well as some that might be more likely to make their way into your basket during the colder months.

On this page:

• The cheapest supermarket in our survey
• Base basket prices
• Spotlight: The winter comforts basket
• What’s in our basket?
• How closely matched are Coles and Woolies?
• How does IGA compare
• Does where you live make a difference to grocery prices?
• What our results mean for consumers
• How we survey supermarkets

The cheapest supermarket in our survey

Without including specials, our full basket of 16 items cost $68.80 at Aldi, $77.53 at Woolworths and $78.58 at Coles. At IGA our basket cost $91.65.

We always choose carefully to ensure we’re selecting the most comparable products at each store. For this survey, that means the baskets from Coles and Woolworths contain three name-brand products (Arnott’s Tim Tams, Kleenex tissues and Chicken Tonight cooking sauce) while the Aldi basket only contains one (Tim Tams).

Because its home-brand ranges aren’t as extensive, the IGA basket had five name-brand products (Nanna’s Apple Snack Pies and Birds Eye Golden Crunch Beer Batter Chips, as well as the Tim Tams, tissues and cooking sauce).

Prices with specials

When you take into account the savings from the specials available when we shopped, the cost of our basket at Aldi stayed the same at $68.60. It cost $76.82 at Woolworths, $78.50 at Coles and $86.33 at IGA. 

During our fieldwork, we found there were specials available at some but not all IGA locations. Where the reductions were available, it gave IGA the best deal on Tim Tams, thanks to a $2 reduction. They also had discounts at some of their stores on frozen chips, cooking sauce, tissues, whole chickens and frozen apple pies. 

A special on tissues at Woolworths was responsible for the increased gap between the cost of their basket and the higher price we paid at Coles. 

It’s worth noting that when we conducted this survey in March, it was prior to military action in the Middle East that saw fuel prices soar and created the potential for a knock-on effect on the pricing of nearly all goods that rely on freight distribution. We expect to see the effect of any related increases in our next survey.  

Base basket prices

In our base basket of eight items, which in the third year of our quarterly surveys contains apples, bananas, strawberries, potatoes, avocado, milk, rice and beef mince, and without including specials, Aldi was cheapest at $37.14, followed by Woolworths $40.08, Coles $40.10 and IGA $45.42. 

Looking at our base basket list (with specials), we find that Aldi remains the same, Coles drops by eight cents to $40.02, Woolworths stays the same and IGA falls to $45.34. 

The difference between the IGA and Aldi baskets was primarily driven by four items: mince, potatoes, strawberries and avocado, which accounted for more than 80% of the total gap. The difference in prices was smaller for apples, bananas, milk and rice.

Spotlight: The winter comforts basket

If you’re changing things up a little this winter to include the kinds of items that help get you through the colder months, this survey includes some of those comfort foods and cold-weather staples you might decide to add to your trolley.

Our basket included Tim Tam Original biscuits, snack-sized apple pies, frozen chips, cooking sauce, large tissues and a whole chicken (for that comforting roast), and we rounded it out with a leek (essential for those winter soups) and green beans. 

When looking at the balance of home-brand products vs branded products in our ‘spotlight’ selection of packaged food, it should be noted that we always choose products that are as closely comparable as possible, looking at factors such as their ingredients and pack sizes. In this spotlight, the Aldi basket included one name-brand item (Tim Tams), the Coles and Woolworths baskets included three name-brand products, and the IGA basket included five name-brand products. The full list for each store is given below.

Of the five packaged foods in this selection, we bought one name-brand item at Aldi (Tim Tam biscuits) and the rest were home-brand. At Coles and Woolworths there were three name-brand products, and at IGA we included five name-brand items. Products were chosen based on the similarity of ingredients and pack sizes. The precise list for each store is given below.

Without specials, Aldi proved to be the best value for this selection of items, costing $31.46, Woolworths cost $37.45 and Coles $38.48. IGA was the most expensive at $46.23. 

When we factored in specials, neither the Coles or Aldi baskets changed, Woolworths fell by $0.71 to $36.74, while IGA had the biggest fall from $46.23 to $40.99. 

While most prices at Aldi, Coles and Woolworths were fairly consistent around the country, the variation in pricing at IGA means the average cost of our basket of goods was higher than at the other three stores. While this is an accurate reflection of the data, you may find prices at your local IGA to be closer to what you’ll pay at other supermarkets, such is the significance of the variation between prices at different IGA stores.

What’s in our basket?

In this quarter, our basket included six fresh and 11 packaged items. The products we purchased were:

• Beef mince
• Whole chicken
• Royal Gala apples
• Cavendish bananas
• Strawberries
• Avocado
• Leek
• Green beans
• Potatoes
• Full cream milk
• Basmati rice
• Honey mustard cooking sauce
• Beer-battered frozen chips
• Frozen apple pies
• Tim Tam biscuits
• Large tissues

For all items we chose, we considered a range of factors such as ingredients, country of origin, other product specifications and packaging similarities to ensure we made fair comparisons. 

When items were unavailable, we looked for the closest alternative, just as you would when shopping for your family. Fieldworkers priced groceries at 104 supermarkets in 27 locations across Australia in March 2026.

You can see the full list of the exact items we bought at each store by clicking on the blue arrow below.

Store by store lists

How closely matched are Coles and Woolies?

When comparing our base basket of eight items (apples, strawberries, potatoes, bananas, avocado, milk, basmati rice and mince) very little separates the big two.

Woolworths was just two cents cheaper when comparing prices without specials, but Coles drew ahead to be six cents cheaper than Woolworths, thanks to a special on beef mince. 

The differences were greater when we compared the full basket of 16 items: Woolworths was $1.05 cheaper than Coles (without specials) and $1.68 cheaper with specials. 

Most items at the two stores are identical or very similar in price, and although apples are cheaper on average at Coles, Woolworths had lower prices for potatoes and apple pies, and offered a special on tissues, which tipped the balance in its favour.

How does IGA compare?

IGA stores don’t have the same chain-store model as Aldi, Coles and Woolworths, with individual stores operating as independently owned franchises. That means we see quite a lot of variation between the stores in the IGA network, often due to variation in store sizes and the effect this has on the ranges.

All of this means that while some IGA stores might be more competitive, overall, our basket of 16 items (with specials) cost $17.73 more on average from IGA than the same basket of goods cost us at Aldi. 

Does where you live make a difference to grocery prices?

Our analysis found that the state you live in does make a difference to how much you pay. 

The prices in different states varied very little between Aldi stores, although we do see some differences for fruit and vegetables. Like Aldi, Woolworths prices were fairly consistent nationally, with fruit and vegetables again accounting for most of the differences between the states.

At Coles, we found more variation, with shoppers in the Northern Territory paying slightly higher prices for Tim Tams, cooking sauces and tissues. Again, differences between the states were mostly driven by variation in the cost of fruit and vegetables.

In South Australia, where Coles shoppers paid less than in other states, lower prices for apples, bananas and potatoes were a big driver of the difference.

As we’ve seen in previous surveys, IGA shoppers experienced the greatest variation in prices between states: IGA customers in the Northern Territory paid on average $33.30 more than those shopping in Victoria ($109.69 vs $76.39) for our full basket of 16 items (with specials).

What our results mean for consumers

Our shopping baskets provide a general picture of prices in the different stores and locations we visit, but they can’t reveal the whole picture. 

Smaller ranges, as we saw at some IGA stores, and special pricing can make a big difference to overall costs. We also know that between the time we survey and the time we publish our results, prices will inevitably fluctuate.

What our findings continue to highlight is that small changes add up to significant savings, particularly over the course of the year. 

Changing the store you shop at, if that’s an option for you, is one way to find those savings. But we also recommend you think creatively and carefully about what you choose to put in your shopping trolley. 

There are lots of ways to save money on your weekly shop. Here are our top tips to help you reduce what you’re paying at the checkout. 

1. Check the unit pricing: It can be hard to compare prices of different-sized products from different brands, but unit pricing lets you compare prices based on the price per unit e.g. 100g or 1L. All supermarkets are required by law to include this information in labelling, both online and in-store.
2. Shop around: Switching between stores and shopping at different supermarkets to take advantage of specials can deliver significant savings. 
3. Change your routine: Swap expensive cuts of meat for cheaper alternatives, look at frozen fruit and veg, particularly if shopping for produce out of season, and give the ugly fruit and veg a go. Also, don’t be afraid to try home-brand products. Our expert testing often finds these ranges often outperform more expensive options at all the supermarkets. 

None of these things can change the fact that we are still paying significantly more for our groceries than we were just a few years ago, but making some small changes can add up to significant savings, without compromising quality.

How we survey supermarkets

Supermarkets and locations

We sent undercover shoppers into 104 supermarkets – 27 Woolworths, 27 Coles, 23 Aldi and 27 IGA stores – in 27 locations across Australia in March 2026. 

Supermarket locations were chosen to give good coverage of socio-economic status based on ABS Indexes and geographic spread across the country. We surveyed supermarkets in clusters so that each store has local competition, and we calculate the average price of the basket of goods, both with and without specials. 

A price was deemed to be a special when we had evidence of a temporary price reduction. There were 16 grocery items in each basket (7 fresh and 9 packaged items).

For more details on how we survey, see How we survey supermarket grocery prices.

The post Which supermarket has the cheapest groceries in our survey? appeared first on ÌÇĐÄVlog.

It’s no secret that the business model of the energy retailer industry does not operate in the best interests of its customers. It’s turbocharged to squeeze out profits as more and more retailers furiously compete for market share.

This explains why most of us are paying more for energy than we should be.

One standard tactic is to continually lure in new customers with low prices, then stealthily raise them after they sign up.

Retailers are well aware that energy switching rates are very low. Customers will just keep paying, unaware they’re being taken advantage of. That’s why the term ‘loyalty tax’ applies to so many of us.

Tricky energy pricing was the subject of ÌÇĐÄVlog’s first designated complaint to the Australian Competition and Consumer Commission in 2025, and it’s also a subject covered in a recently published energy pricing review by the market rulemaker, the Australian Energy Market Commission (AEMC).

The hope among consumer advocates, including ÌÇĐÄVlog, was that the AEMC review would result in recommendations to curb the pricing machinations that underpin the loyalty tax. Instead, customers have been left to continue paying it.

The final energy pricing review is a turnaround from the AEMC’s position in its draft version, which recommended that retailers charge all customers on the same plan the same price. They’ve now been given the green light to continue rolling out different versions of the same plan with different prices, setting consumers up to continually pay more as long as they stick with the same offer.

On the plus side, the AEMC’s final recommendations would at least require retailers to inform customers how much more they’re paying compared to new, cheaper available plans, but there is no proposed rule requiring them to simply give customers a fair deal without constantly pushing up prices.

‘Massive missed opportunity’

Energy Consumers Australia (ECA) CEO Dr Brendan French says the keenly anticipated AEMC review “is a massive missed opportunity”.

“The loyalty tax is a trap that households, small businesses, and even retailers find themselves in. Just to keep their market share, retailers will offer unrealistic low prices – which they then need to hike up, often by 20% or more, within a year,” says French.

“What’s worse, they fund these low prices by charging loyal customers more. In reality, it’s a catch-22 because no retailer can really afford to step out of this cycle. This is why we all hoped that the AEMC, as the system rule maker, would step in.”

French says it’s customers who ultimately pay for the market mayhem.

“We are all footing the bill for retailers to spend tens of millions marketing unsustainable prices to new customers, only for the customers to then move on to other retailers when they find out the savings weren’t going to last,” French says.

“This means the energy market often becomes a race to the bottom, forcing retailers to rely on consumer confusion and a loyalty tax just to stay competitive. This reinforces churn, not service, as the engine driving the retail market.”

Making a mockery of ‘loyalty’

Other consumer groups were equally dismayed at the lack of regulatory intervention.

CEO of the Consumer Policy Research Centre Erin Turner says “making consumers jump through hoops to get a better price for the same power from the same retailer is deeply unfair”.

Eleanor Doran, assistant director of policy and campaigns at the Consumer Action Law Centre, says “callers to our frontlines are suffering in this cost-of-living crisis where every dollar in their paycheck has to be accounted for. Penalising long-term customers makes a mockery of ‘loyalty’ and is profoundly unfair. People deserve the best deal today regardless of when they signed up to their plan.”

Council on the Ageing (COTA) CEO Patricia Sparrow says “many older Australians are already stretching every dollar to cover rising costs. They’re less likely to switch energy plans, which means they’re more likely to be punished for their loyalty with higher bills. When you’re living on a fixed income, like the pension, paying hundreds of dollars more for the same service is unsustainable.”

Other groups, including Financial Counselling Australia, Financial Counselling Victoria and the Council of Small Business Organisations Australia, have also expressed outrage at allowing pricing practices that penalise loyalty to continue.

Roadmap for change

AEMC chair Anna Collyer nevertheless says that the review’s recommendations on the whole “set out a clear roadmap for change”.

“Electricity pricing has become too complex, too hard to compare, and too often unfair. You shouldn’t need to be an energy expert to get a fair deal, and long-standing customers should not pay more than someone who just walked in the door,” Collyer says.

But the pricing review stopped short of recommending a ban. The AEMC’s position is that loyalty taxes “are likely to create material consumer detriment, including higher prices for customers on older offers, potentially including customers experiencing vulnerability. It is also unlikely that the loyalty tax will dissipate without additional measures to encourage it to do so.”

When those measures might come along – and who will enact them – remains unclear. Meanwhile, Dr Brendan French of ECA says the retail energy market continues to exploit the people it’s meant to serve.

“The failure to tackle the loyalty tax in a substantive way is yet another example of how broken the current energy market is for consumers. It perpetuates a model in which the entire obligation for getting a fair deal falls on households and small businesses.”

“It’s really a question about what kind of world we want to live in. We cannot allow more than a million households – who are often lower-income or otherwise disadvantaged, as the AEMC acknowledges – to fund short-term benefits for those with the time and resources to repeatedly switch retailers.”

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People wanting to buy tickets, merchandise or even simply see when their favourite team is playing are being tricked unwittingly into visiting fraudulent websites that may steal their details and data.

The warning has come from the US Federal Bureau of Investigation, which has sounded the alarm about highly believable domain names that include the words ‘fifa’ ‘ticket’ ‘help’ and ‘services’. 

Closer to home, the NSW Government has also issued similar warnings to fans. 

Here are some common scams to watch out for.

Impersonating real websites

Some websites use a technique called ‘typo squatting’, where scammers mimic a legitimate website, such as the official fifa.com, and misspell the address (like fiffa.com) or add a variation (.help instead of .com).

The NSW Government is warning consumers that fake sites can appear professional, using official logos and realistic login or payment pages, but entering details can lead to identity theft or financial loss.

Cybersecurity company Group-IB has identified more than 4300 domains impersonating FIFA, and says some are sophisticated operations with “pixel-perfect” clones of the official website.

Scammers are tricking unsuspecting fans with images stolen from FIFA’s real-time match page, providing translation in 11 languages, and even emulating the same authentication system for logging in.

Group-IB says most of the fake FIFA web addresses it identified were dormant but ready to be activated once the World Cup drew closer.

This tactic doesn’t just target FIFA sites. Merchandise, hospitality and even job-listing sites have been cloned by scammers to take people’s money and information.

Scammers may also pay to get the top spot in internet searches, so carefully read the site address in sponsored results.

How to avoid these scams:

• Carefully check the spelling of the web address: Is it the original site or a copy?
• Be vigilant: A professional-looking site might still be a scam.
• Never enter your login or personal details into a website you don’t trust. Even a Google login within another site may be counterfeit.
• Use website checking tools like to assess legitimacy, but be aware that some scam sites may still slip through undetected.

Scammers on social media

Fraudsters are also exploiting Meta-owned platforms like Facebook and Instagram to market their scams.

Research from cybersecurity company Bitdefender this year found 55 soccer-related ad campaigns on Meta platforms, spruiking fake merchandise and luring users to sites designed to trick them into handing over information.

Many social media ads for fake products also use AI-generated imagery to lure unsuspecting users.

Cybersecurity company Fortinet also found fake ticket resale sites being spruiked on Telegram channels.

One scam directed users to a fraudulent website, which then sent payment details to their email address, extra layers that Fortinet says help the scam avoid detection.

Fortinet identified emails supposedly from FIFA notifying ticketholders of a change in seating. Recipients were directed to click a link and enter their login details on a fake FIFA site.

What to watch out for:

• The NSW Government warns consumers not to click links from unknown ads, emails or texts.

• Don’t trust social media sites to scrutinise ads on their platforms. Just because it is on Facebook or Instagram doesn’t mean it is safe.

• Scam ads may pressure consumers with “limited time” or “last-minute deals”. These are psychological tactics meant to create a sense of urgency. Don’t rush into anything; slow down and check suspicious-looking ads and sites.

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Before you get caught up in a shopping frenzy, there are some products you should avoid, even if they’re massively discounted. Sure it’s hard to pass up a bargain, but these products just aren’t worth it, no matter how tempting the sale price may be.

ÌÇĐÄVlog has done the hard work for you so you don’t end up with a dud in the sales. Our expert testers put household appliances through their paces in our labs so we know which ones are the good buys, and which ones to avoid. 

Plus, we have tips for how to save money on new appliances in the EOFY sales, as well as extra advice for shopping the EOFY sales.

On this page:

• Fridges
• Washing machines 
• Mattresses
• TVs
• Robot vacuums
• Dishwashers
• Coffee machines
• Dryers 
• Air fryers
• Stick vacuums

Fridges

A fridge is often a grudge purchase, made hastily when your existing fridge dies.

But if you’re thinking ahead and want to upgrade your current fridge with a good deal from the sales, take a breath before you get swept up in the bargain fever.

If you shop without researching, you could end up with a fridge that’ll cost you more in the long term in the form of big power bills and food that’s gone off too quickly. 

You’ll also lose out twice over if you buy an expensive fridge that performs poorly. Two doubly disappointing fridges are a $4000 Smeg fridge and a $3000 French-door Bosch, which both scored a ÌÇĐÄVlog Expert Rating of just 43%. That’s a big price tag for poor performance.

Their biggest sins? A temperature stability score of just 13% for the Bosch fridge and a shocking 0% for the Smeg fridge.

This metric measures how much the fridge temperature fluctuates. A low score means you can expect things like your ice cream melting and refreezing, your food spoiling or not staying at safe temperatures to prevent food-borne illness. 

So for the low, low price of $4000, you can expect spoiled food or a delightful case of food poisoning.

Lowest rated fridges in our test:

• Hisense HRSBS649SW: ÌÇĐÄVlog Expert Rating: 40%; Price: $1599
• Smeg FAB32RPB5AU: 43%; $4290
• Bosch KFN96VPEAA: 43%; $3299
• Haier HRF420BHC: 43%; $1399

Washing machines

Let’s be real: there’s probably a thousand things you’d rather spend your money on than a washing machine. But if you’re going to buy one, you might as well make sure it’s good. 

A lacklustre washing machine won’t only fail to make your whites whiter and your colours brighter, it’ll chew through electricity and water – which will cost you (and the environment) even more in the long run. 

Check our washing machine reviews to make sure you’re buying the best. 

Lowest scoring washers in our test:

Top loaders:

• Chiq WTL64FDB: ÌÇĐÄVlog Expert Rating: 57%; Price: $399
• Westinghouse WWT8084J7WA: 59%; $1199
• Haier HWT60AA1: 61%; $639

Front loaders:

• Electrolux EWF1243R7SCS: ÌÇĐÄVlog Expert Rating: 68%; Price: $1099
• Solt GGSFLW60: 68%; $499
• Hisense HWFS1015AB: 69%; $999
• LG WV6-1409W: 69%; $1099

Mattresses

A mattress should last you about eight to 10 years.

If you’re clocking up the recommended eight hours’ sleep each night, that means you’ll be spending more than 29,000 hours up close and personal with your mattress. 

And some of the mattresses we’ve tested cost more than $5000. This is one purchase you definitely don’t want to mess up.

We use high-tech labs in Europe to test mattresses, assessing things like comfort, sagging, stabilisation, sweat resistance and more. 

One of the mattresses at the bottom of the heap costs nearly more than $2500 at full price, so it just goes to show there’s no correlation between price and performance. 

In fact, all of these mattresses scored worse than a $200 foam mattress from Kmart, which really demonstrates the value of doing your research before buying. 

Lowest scoring mattresses in our test:

• Original Mattress Factory Refresh: ÌÇĐÄVlog Expert Rating: 62%; Price: $2798
• Slumberland Soho: 65%; $579
• Suparest Affinity: 66%; $599

TVs

Poor sound quality, so-so standard definition picture quality and humdrum high-def picture quality are some of the delights that await you if you buy a TV that performed poorly in our expert tests. 

You don’t necessarily need to spend top dollar for a top TV: five of the 65-inch TVs that our experts recommend cost less than $2000, and you may be able to pick them up for even less in the sales.

If you want to dodge a B-grade box, here’s the ones that landed on the bottom of our latest test. Best to fast forward on these ones.

Lowest scoring TVs in our test:

• Ffalcon FF32S55 (32 inches): ÌÇĐÄVlog Expert Rating: 64%; Price: $199
• ChiQ U65M10F (65 inches): 66%; $699
• TCL 32S5K (32 inches): 66%; $299
• Hisense 65Q6QAU (65 inches): 67%; $1099
• Philips 32PHT6529/79 (31 inches): 67%; $299

Robot vacuums

A robot vac sadly won’t free you completely from the vacuuming, but it is a good way to stay on top of it in between deep cleans.

They’re not cheap, though, so it’s extra important to choose one that’s worth the money.

Even if you find these bots heavily discounted, we suggest you look elsewhere – we found these machines just didn’t compute for a good clean you could count on.

• Kmart Anko Robotic Vacuum: ÌÇĐÄVlog Expert Rating: 36%; Price: $169
• TP-Link Tapo RV20 Max Plus: 55%; $499
• Eureka E20 Plus: 56%; $1071

Dishwashers

A good dishwasher will save you hours of slaving over a full sink. A bad one will create even more work for you and will empty your wallet. 

Our kitchen experts have tested almost 70 currently available dishwasher models, comparing them side-by-side on their ability to handle dried-on foods like egg yolk, spinach, butter, oats, rice starch and more. 

We’ve been doing this for decades, so we know exactly what makes a good dishwasher and what will leave you elbow-deep in greasy washing-up water. 

There are three Haiers in this list, but don’t write off the brand altother: others scored better in our testing.

Check our detailed dishwasher reviews to see which ones are better buys.

Lowest scoring dishwashers in our test:

• Omega ODW101W: ÌÇĐÄVlog Expert Rating: 58%; Price: $799
• Haier HDW15F2S1: 61%; $1299
• Haier HDW13F0S1: 62%; $749
• Haier HDW15F2S1: 64%; $999

Coffee machines

If you’re as serious about coffee as our experts are, then you’ll know how important it is to buy a coffee machine that ticks all the boxes. 

Whether you’re looking for a manual coffee machine so you can geek out on grinds, dosing and tamping, or you’re a lazy coffee lover who just wants a caffeine hit at the press of a button, it’s important to get it just right. After all, is there anything worse than a bad coffee first thing in the morning? 

When we test coffee machines, we enlist industry experts to blind taste test coffee from each machine, and we also assess ease of use, milk frothing and temperature consistency in our testing labs. 

To make sure you don’t end up with a dud machine that’ll leave you with a bitter taste in your mouth, check out our pod, semi-automatic and manual coffee machine reviews, and our automatic espresso machine reviews.

Lowest scoring capsule machines in our tests:

• Espressotoria System Piccolo: ÌÇĐÄVlog Expert Rating: 39%; Price: $125
• MZBG Etika Capsule Machine: 42%; $129
• L’OR Sublime Compact (LM9012/60): 52%; $89

Lowest scoring semi-automatic machines in our tests:

• Sunbeam Prima Latte: ÌÇĐÄVlog Expert Rating: 54%; Price: $299
• DeLonghi Classic Manual Coffee Machine (EM450.M): 55%; $189
• Breville The Oracle BES980: 60%; $2749

Lowest scoring manual machines in our tests:

• Kmart Anko Compact Espresso: ÌÇĐÄVlog Expert Rating: 57%; Price: $79
• Breville Duo-Temp Pro: 59%; $429
• Contempo Espresso Machine: 64%; $79
• Kmart Retro Espresso Coffee Machine: 64%; $79

Lowest scoring automatic coffee machines in our tests:

• Dr Coffee H1 Automatic Coffee Machine: ÌÇĐÄVlog Expert Rating: 46%; Price: $1315
• Gaggia Anima Prestige: 51%; $1599
• Gaggia Cadorna Prestige: 55%; $1899
• Saeco Royal OTC SUP060: 55%; $1999

Clothes dryers

The key to shopping for a clothes dryer is to find the sweet spot between quick drying and low energy use.

There are a few different types of machines on the market, so if you’re not sure what’s best for you, here’s how to buy the best clothes dryer . 

There’s also a little more to using a dryer than just chucking wet clothes in and pressing ‘start’: check out our laundry expert’s tips to avoid dryer disasters.

One word of advice from our whitegoods experts: “Don’t splurge on an expensive heat pump dryer if you don’t use your dryer very often – they’re more energy efficient than a vented dryer so they cost a lot less to run.

“But because they cost so much more to buy, unless you’re using it regularly you may be better off overall buying a cheap and cheery vented number, as you might never make back the initial outlay.”

Lowest scoring dryers in our test:

• Bosch WQG24200AU (heat pump): ÌÇĐÄVlog Expert Rating: 63%; Price: $1749
• Haier HDV70AWW1 (vented): 65%; $689
• Beko BDPB904HW (heat pump): 67%; $1649
• Bosch WTH83001AU (heat pump): 67%; $899

Air fryers

The kitchen appliance du jour is on many people’s EOFY shopping list. 

Converts rave about their convenience, ease of use and ability to cook foods that previously could only be done in the oven – think marinated chicken wings, roast pork, chicken nuggets and more. 

Their running costs are also cheap as chips (air fried ones, naturally), so if you pick up a bargain air fryer you’ll save at the till and hopefully on your power bill, too. 

However, not all of them live up to the hype. Here are the ones to avoid in the sales, even if you find them cheap. 

Lowest scoring air fryers in our test:

• Kitchen Couture Dual View Stainless Steel Air Fryer: ÌÇĐÄVlog Expert Rating: 67%; Price: $200
• Sunbeam Multi Zone Air Fryer AFP6000BK: 68%; $299
• Sunbeam 22L Multi Function Oven + Air Fryer: 69%; $299

Stick vacuums

A good stick vacuum can make quick cleans a breeze, but poor performers can give you the rough end of the stick and leave you doing more laps at home just to bust all the dust. 

Our experts thoroughly tested more than 50 popular models, and found these sticks that you should give the flick. 

Lowest scoring stick vacs in our test:

• LG A9 Ace: ÌÇĐÄVlog Expert Rating: 51%; Price: $399
• Makita 18V Mobile Vacuum Cleaner Kit: 56%; $149
• i-Vac Animal S50 Stick Vacuum: 58%; $299

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But fortunately, there’s something to take your mind off the looming paperwork: the end of financial year (EOFY) sales.

Retailers are keen to offload their old stock and shoppers are keen to nab a bargain. It’s a win for both parties – as long as your hot deal doesn’t turn out to be a discount disappointment.

There are definitely some EOFY buys that we suggest you avoid, but you can often find sales on products that ÌÇĐÄVlog experts rate highly, so if you do your research you can pick up a superior product for a song.

Here are some EOFY sales tips for savvy shoppers to help you get the best deal for your dollar. Plus, exclusively for ÌÇĐÄVlog members, we’ll reveal which products are worth your hard-earned money.

If you just want to get straight to the best products, you can jump straight to the results now.

Smart shopping tips to live by

Before you hit the sales with credit cards blazing, there are some key things to keep in mind. 

1. Expensive doesn’t always mean better

Our product test results regularly disprove the age-old adage that ‘you get what you pay for’. Our experts often see pricey products underperform, while cheaper, lesser-known ones shine. 

That’s why it pays to do your homework and check our reviews.

Head to our list of overpriced and underperforming products for further proof of expensive fails.

2. Good brands sometimes make poor products 

It’s another unexpected result our experts see all the time in our tests.

A brand can boast some of the best performing products in a category… and some terrible ones too. 

It all depends on the build quality and design of each product, which is why individual product reviews are so vital. 

3. Don’t believe everything you read

Sure, one site is offering 20% off its usual price, but was it more expensive to start with compared to others? 

Before you ‘add to cart’, it’s worth playing the field and sizing up the best deal – and assessing delivery costs and times, too. 

Here’s what you need to know for the 2026 EOFY sales. 

The best from our tests: What to buy in the EOFY sales

We test hundreds of products in our labs each year, so our experts know what’s worth spending your money on.

A ÌÇĐÄVlog membership can save you money by helping you avoid overpriced duds and choose the best products for your budget.

Only members can access our detailed testing data. If you’re not yet a member, join ÌÇĐÄVlog to get instant access to all of our expert, independent reviews

Or if you’re already a ÌÇĐÄVlog member, you can see the top-rated products for each category in one easy-to-read rundown below.

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Our research shows there are some good bargains to be found – if you shop smartly and strategically. But there are also often discounted duds that should be avoided at all costs. 

EOFY sales also come with a few well-practised retail tricks – designed to make you feel like you’ve bagged a great deal and saved money, even if you’ve spent more than planned, or you’ve bought a poor-performing product that’s been languishing on the shelf for a reason.

With so many retailers competing for your cash in less than scrupulous ways, it pays to shop with one eyebrow raised.

Here are the EOFY sales traps that catch shoppers out every year – and how to make sure your next purchase is genuinely good value.

1. Discounted duds

We consistently see retailers using the EOFY sales to clear out old and unwanted stock. The shine of a big discount usually dulls when you realise they’re just giving you money off a product no-one else wants.

Undercover ÌÇĐÄVlog shoppers have already spotted a host of products that were poorly rated by experts in our testing, now being spruiked in the sales at discounted price.

Remember, just because something is advertised at a reduced price, it doesn’t mean it’s a good buy.

2. Fake urgency

Messages like “Only 2 left!” or “Must buy, sale ends soon!” are designed to create pressure and reduce comparison shopping, even when stock levels aren’t genuinely limited and sales periods can be extended at any time.

After last year’s Black Friday sales, ÌÇĐÄVlog found two major retailers overstating how good their offers really were and how long consumers had to take advantage of them.

“Remember, the end of financial year sale is just one event on a jam-packed sales calendar,”  says ÌÇĐÄVlog editorial director Mark Serrels.

“There’s no need to panic buy, because we continue to see heavy discounting happen more regularly across the entire year. Last year we saw EOFY sales extend into July in some cases.

“It’s better to take your time to do your research and ensure you get a good deal,” he says.

3. Brand blindness

Do you know someone who always buys an iPhone, consistently swears by Smeg appliances, or refuses to try an alternative brand of coffee? 

Brand loyalty is the tendency for consumers to repeatedly choose the same brand over competitors, whether it’s because they’ve had a positive past experience, the brand is familiar or has earned their trust in some way, or they have a perception of quality or an emotional connection. 

ÌÇĐÄVlog experts warn that this ‘brand blindness’ during a sales period like EOFY can get in the way of a good deal, and ultimately cost you money. 

“ÌÇĐÄVlog testing consistently finds that products from the same brand can vary wildly in performance – we see this with many big brands like Breville, Smeg, Dyson, and more,” says Mark.

“Buying on brand name alone without doing your research could mean you end up with a dud product. Make sure you check expert product reviews on an independent site like ÌÇĐÄVlog before you buy.”

4. Unnecessary extended warranties and other costly add-ons

Ever get to the instore checkout and a super chatty salesperson convinces you “it’s a good idea” to buy some “extra protection” in case something goes wrong? These extended warranties (sometimes also called “protection” or “product care” plans) cost extra, but most of them aren’t worth it.

“Extended warranties are often no more than a sneaky sales tactic that make you pay more for protections you already have under Australian Consumer Law,” says Mark.

“Ask the salesperson: ‘What does this give me in addition to the rights I already have under Australian Consumer Law?’ And read the fine print before signing up.” 

When you’re shopping online, be aware of any ‘add-ons’ that might automatically be added to your cart at checkout. Online sites often offer added “protections” such as extra shipping protection, shipping insurance or transit cover policies.

Policies tend to range in cost from a few dollars up to $25. What they provide and how it’s sold to you varies widely, so make sure you read the fine print to see if it’s actually offering you anything of value.

5. Scam shopping sites and unscrupulous online marketplaces

When buying anything online, ideally use familiar retailers and make sure you’re on a genuine website. Scammers are notorious for creating fake websites that imitate popular retailers in order to steal money and information from shoppers. These sites often look very similar to those of legitimate stores.

“Be wary of unusual URLs, red flags like lots of pop-up windows, requests to use an unusual payment method such as money transfer, or prices that seem too good to be true,” says Mark.

“If you’re unsure, you can enlist the help of fellow consumers who might have had previous experience with the outlet.

“You can find reviews of websites on services like Google or Trustpilot, as well as on social media. If the website you’re using is a scam, there’s a chance victims might be using these forums to warn others.”

Read our guidance on 6 ways to spot a scam website.

You should also be wary of buying potentially unsafe or illegal products. ÌÇĐÄVlog recently sounded the alarm on the scale of harm being caused by unsafe products sold online by retailers such as Shein, Temu, AliExpress and more.

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