1% cashback on everyday purchases
No complicated points systems. Earn 1% cashback on everyday purchases like groceries, transport, and your daily coffee – up to a maximum of 1% of your credit limit per month.
Keep readingReady to earn rewards that actually count?
You can check your credit limit and rate before you apply
Check your eligibility in minutes with no impact to your credit score
Save time, every time. Check out faster with Apple Pay.
Apple Pay makes everyday purchases with your MONEYME card seamless. Whether you're making a morning coffee run or shopping for a pair of fresh new kicks. Just look for or the contactless symbol at check-out.
Save time, every time. Check out faster with Apple Pay.
Apple Pay makes everyday purchases with your MONEYME card seamless. Whether you're making a morning coffee run or shopping for a pair of fresh new kicks. Just look for or the contactless symbol at check-out.
Award-winning lender
Will definitely be recommending MONEYME to friends and family!
Quick and efficient service, will definitely be recommending MONEYME to friends and family!
Jack
Oct 15, 2025
Quick, easy and hassle free!
Quick, easy and hassle free! I was pleasantly surprised how easy the process was. Also being able to make extra repayments and payout the loan early without penalty, is a big bonus. Recommended!
Linda
Sep 27, 2025
Easy to deal with.
Easy to deal with and open about the odds and ends of the deal on the purchase. I will continue using MONEYME for any future purchases for the simple reason of not having to deal with all the issues the big banks have with a purchase. Great work Eujin.
Leslie
Sept 26, 2025
Super fast and easy application.
Excellent Customers service, super fast and easy application with the response within hrs.
Consumer
Sep 18, 2025
Approval was fast and even the car dealership was blown away.
Approval was fast and even the car dealership was blown away by the speed and ease of dealing with MONEYME. I had my new car in no time! Highly recommend!
Nichole
Sep 13, 2025
MONEYME is one of the best finance companies I've ever gone through.
MONEYME is one of the best finance companies I've ever gone through great people and what a fantastic service they provide. MONEYME definitely goes above and beyond to satisfy their customers, thank you so much I would highly recommend MONEYME to anyone Australia wide.
Trinity
Sep 10, 2025
Great rate and helpful people making this purchase smooth and easy.
A fantastic experience of getting the right finance for my new vehicle. No fuss, no problems, a fast and easy solution with a great rate and helpful people making this purchase smooth and easy.
Shaz
July 10, 2025
Very Happy!! MONEYME finance was so easy to work with.
They made the whole experience from start to finish stress free and simple for me to understand which was exactly what I needed. They were just so quick and efficient, the only waiting was with the car yard itself. I would use MONEYME again. I highly recommend them to anyone wanting quick approval at a great rate with fantastic service.
Brooke
May 23, 2025
Overall great experience.
Super quick approval and great interest rate. Money was in the bank within minutes of me accepting the offer. Overall great experience.
Jodie
May 9, 2025
Very easy, seamless process.
Every part of the way i had ongoing communication and I knew where I was at every stage. I was able to sign all documents online. The contract was easy to read and understand. The app is very easy to navigate with a easy to find phone number if i ever need assistance.
Kerrin
May 21, 2025
Quick and easy to apply.
Great interest compared to other loans. No hidden costs. Fast and efficient.
Renay
Mar 7, 2025
A fantastic experience for getting the right finance from my new vehicle.
No fuss, no problems a fast and easy solution with a great rate and helpful people making this purchase smooth and easy.
Shaz
Jun 8, 2025
Easiest process.
MONEYME has been so easy to navigate the website and the app, always in contact every step of the application. They gave me a chance to get my family a new car. Great company, fair prices, 100%
Jade
Jan 13, 2025
Great for debt consolidation!
I have used MONEYME a few times as they are simple and efficient. Response time is super quick and the rates are competitive. I was on a crazy rate with a credit card company and used MONEYME to consolidate that debt and reduce my repayments.
EC
Jan 6, 2025
Professional fast service.
We had a wonderful experience with MONEYME, fast service and very professional, we will definitely be using them again!
Bianca
Jan 03, 2025
We're trusted by over 110,000 Aussies
Get started
Check your eligibility in minutes with no impact to your credit score
Ready to earn rewards that actually count?
You can check your credit limit and rate before you apply
Check your eligibility in minutes with no impact to your credit score
1Mobile phone, purchase and ticket protection insurance is underwritten and issued by AIG Australia Limited ABN 93 004 727 753, AFSL 381 686 (AIG) under a group policy of insurance issued to Mastercard. In arranging the insurance, Mastercard acts a group purchasing body under ASIC Corporations (Group Purchasing Bodies) Instrument 2018/751. Eligible persons who can access these insurances are the current holders of a MONEYME Cashback Rewards Credit Card which entitles them to these insurance benefits. You should read the Mastercard Plus Products Insurance Terms and Conditions for mobile phone protection, purchase protection and ticket protection. Eligible persons can claim as third-party beneficiaries by virtue of the operation of s48 of the Insurance Contracts Act 1984. Conditions, exclusions and limits apply to this insurance coverage as set out in the Terms and Conditions and any insurance document provided to the eligible persons, which both may be amended from time to time. MONEYME Financial Group Pty Ltd does not guarantee this insurance. It does not hold an Australian Financial Services Licence and is not authorised to provide financial advice in relation to the insurance. You should consider obtaining your own advice as to the suitability of the insurance coverage for you.
2Conditions apply to the interest free period. Refer to the Terms and Conditions for the Account for further information. After the interest free period, an interest rate of 19.99% p.a. to 26.99% p.a. will apply.
3The actual rate that you receive will depend on a range of factors, including your credit score.
4Applications and maximum credit limits are subject to eligibility criteria including credit approval. Other terms and conditions may apply.
MONEYME / Credit card / Cashback credit card
MONEYME acknowledges Aboriginal and Torres Strait Islander peoples as the first people and Traditional Custodians of the land and waterways throughout Australia. We recognise their continued connection to culture, community and Country, and pay our respects to Elders past and present. Learn more about our commitment here.
Our business hours
Sydney/Melbourne time
Customers
Monday - Friday
8AM-7PM
Saturday
9AM-6PM
Sunday
Closed
Partners
Monday - Friday
8AM-5PM
Saturday & Sunday
9AM-3PM
About MONEYME
Customer support
Personal loans
Credit Cards
Legal
Privacy Policy
Credit Guide
Terms of Use
Responsible Lending
Complaints
Security Policy
Design and Distribution Obligations
Car loans
Debt consolidation
Renovation loan
Copyright 2026 l MoneyMe Financial Group Pty Ltd l ABN 40 163 691 236 l Australian credit licence number 442218 | Credit criteria, fees, charges, terms and conditions apply.
Cashback on autopilot
Monthly cashback credited straight to your credit card account balance. No hoops or expiry dates – your cashback takes care of itself.
Built-in perks you'll actually use
Mobile phone insurance, purchase protection, and ticket cover built in when you pay in full using your MONEYME Cashback Rewards Card.1
Keep readingRates, fees and conditions
Enjoy cashback on everyday purchases with up to 44 days interest free
Credit Limit
Up to 44 days
Interest-free
$149
Annual fee
19.99%
Interest rate
19.99% - 26.99% p.a.
to 26.99% p.a.
1%
Cashback
On purchases
1% on purchases^
^
Cashback eligibility
Interest rate on purchases
Personalised interest rate applies
(based on your credit history) after
interest-free period.3
Cash advance fee & rate
$1,000 - $20,000
Cash advance interest rate has no
interest-free period.
International transaction fee
0% for up to 44 days then reverts to 19.99% to 26.99% p.a.
3% flat fee with a cash advance interest rate from 22.99% to 29.99% p.a.
3%
Credit Limit
Dishonour fee
Overdue fee
Additional cardholder
Balance transfers
$0
$15
$35
Not applicable
Not applicable
Tap in-store or pay online with your Cashback Rewards Card and you’ll automatically earn cashback on everyday eligible transactions – up to a maximum of 1% of your credit limit per month. To view eligible transactions click here
At the end of each month, when you pay your minimum repayment on time, we'll calculate all of the cashback you've earned and apply this as a single cashback credit to your account balance. Any positive account balance from cashback will be transferred to your bank account if it’s not used within 7 days. To view the full terms and conditions click here
Other rates and fees
^
Perks you can actually use
Use your card to pay your phone bill and get phone protection, including damage and theft, up to a limit of $1,500 per year (maximum $900 each occurrence).1
Pay your phone bill, get phone protection.
Get covered for your purchases.
Get extra peace of mind with online shopping protection in case your order doesn’t arrive, is damaged, or is missing items. Plus, enjoy cover for accidental damage or theft on purchases made with your card (up to a limit of $750 per year).1
Your ticket to peace of mind.
Pay with your card and get reimbursed for tickets if life throws a curveball that makes you miss the event (like sickness, accidents and more) up to a limit of $1,200 per year.1
A digital card, ready when you are
Your card is ready to use the moment you’re approved. Just add it to your mobile wallet.
Access your digital card with a credit limit up to $20,000 in as little as 60 minutes.4
Higher limit
Access a $2,000 limit in as little as 5 minutes4 with our express application option.
Express
Higher limit
Earn 1% cashback. Every day.
A better way to get rewarded, now with 3% cashback on fuel
Check your credit limit without impacting your credit score before you apply
Cashback Rewards Credit Card
