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Many credit cards offer reward programs like cashback, points and miles.

The firm provides a cashback platform on which customers can donate part of the commission paid by companies when they shop online to the charity of their choice.

Lenders have extended their ranges, may offer various extras such as cashback, and - crucially for many first-time buyers - have more products for those who can only offer a relatively small deposit.

Pinduoduo and JD.com have between them indicated they would offer billions in cashback deals over the sales period for people shopping on their respective platforms.

If you prefer shopping online, visit a cash-back portal like Top Cashback or Rakuten before you pay.