What is a cashback rewards credit card?

A cashback rewards credit card lets you earn a percentage of eligible purchases back as money credited to your account. With the MONEYME Cashback Rewards Credit Card, you earn 1% cashback on eligible everyday purchases, which is automatically credited to your balance after you make your minimum repayment on time each month. More broadly, cashback cards calculate rewards as a percentage of eligible spending over a set period, such as a monthly statement cycle. Cashback is usually applied as a credit to your balance, though structures vary by provider. In Australia, most cashback credit cards offer limited time promotions or provide cashback through reward points. These points may expire, change in value, or require manual redemption. Used responsibly, a cashback credit card can help reduce the cost of everyday spending. The cashback you earn depends on eligible spend, your approved credit limit, and the card’s fees and interest charges. Read our full guide to cashback credit cards for a detailed breakdown of how cashback works and whether a cashback credit card is right for you.

How do you earn cashback on a credit card?

With the MONEYME Cashback Rewards Credit Card, cashback is earned on eligible everyday purchases made using the card. As long as you make your minimum monthly repayment on time each month, cashback is automatically credited to your account balance.

How can I maximise my cashback rewards?

To maximise cashback with MONEYME’s Cashback Rewards Credit Card, use it on everyday spending, like groceries, transport and even your daily coffee, pay at least the minimum repayment by the due date. You can even stack cashback rewards with platforms like ShopBack when eligible to double-dip on cashback. When you use your card for regular expenses and direct debits, cashback is earned automatically without changing how you spend. It’s also worth keeping an eye out for promotional periods and making the most of the built-in perks, including mobile phone insurance and ticket protection. This way, you get added value on top of everyday cashback.

When is cashback credited to your account?

With the MONEYME Cashback Rewards Credit Card, cashback is credited to your account after your statement period ends, provided the minimum repayment has been made on time. It appears as a credit on your balance the following month.

How is cashback applied to your balance?

With the MONEYME Cashback Rewards Credit Card, cashback is applied directly to your card balance. This reduces the amount you owe and increases your available credit.

Who is eligible to apply for a cashback rewards credit card?

To apply for the MONEYME Cashback Rewards Credit Card, you must be at least 18 years old, be an Australian citizen or permanent resident, and earn at least $30,000 per year from employment. Applications are assessed based on your financial situation and credit profile. Most credit card providers have minimum age, income and residency requirements, and assess applications against responsible lending criteria.

What interest rates and fees apply to a cashback rewards credit card?

With the MONEYME Cashback Rewards Credit Card, your personalised rate, fees and repayment details are shown clearly before you proceed with a full application. You can check the product page for the latest rates and fee information. More broadly, interest rates, annual fees and other charges vary between providers. It’s important to review the current product details before applying.

Can you check your eligibility without affecting your credit score?

Yes. You can get pre-qualified in minutes by checking your eligibility for the MONEYME Cashback Rewards Credit Card through a pre-qualification process that does not impact your credit score. A full credit check is only completed if you decide to proceed with a formal application. Many lenders offer a similar pre-qualification or soft check process, but a hard credit enquiry is typically recorded once you submit a full application.

Are there any limits or exclusions on cashback?

With the MONEYME Cashback Rewards Credit Card, cashback is not earned on certain transaction types, including BPAY payments, cash advances and balance transfers. Cashback applies only to eligible purchases, as outlined in the card’s terms and conditions.

Do you need to make repayments to receive cashback?

With the MONEYME Cashback Rewards Credit Card, cashback is credited only after you have made at least your minimum repayment for the statement period on time. More generally, many cashback cards require you to meet repayment conditions to remain eligible for rewards.

How do you apply for a cashback rewards credit card?

You can apply for the MONEYME Cashback Rewards Credit Card online. Start by completing a pre-qualification to see your personalised rate and credit limit. If you choose to proceed, you can submit a full application digitally and manage your card through the MONEYME app once approved. In general, applying for a credit card involves completing an online application, verifying your identity and providing financial details for assessment.

Cashback Credit Card | 1% Cashback on Everyday Spending

Stop chasing points. Start getting cashback.

Airline Reward Credit Cards

Points expire or lose value
Blackout dates & seat caps limit redemption
Paying for perks you don't use
Points value is unclear
Often less value than expected

Cashback Rewards Credit Card

Cashback never expires
Credited monthly, no redeeming
Real perks you can actually use
Real money, straight to your card
1% back on everyday spend

Check your credit limit without impacting your credit score before you apply
Approvals in as little as 60 minutes

How cashback works

1. Spend

Use your MONEYME Cashback Rewards Credit Card for your everyday purchases.

2. Earn

Earn 1% of your eligible spend back as cashback*. Track what you earn in the MONEYME app.

*Excludes ineligible purchases, capped at 1% of your credit limit each month.

3. Repay

Make at least the minimum repayment shown on your statement by the due date to receive the cashback you’ve earned.

4. Cashback

Your cashback is automatically credited back into your account each month. No points to convert or rewards to redeem.

Learn more

Really Quick!

Application process was very simple and then funds transferred almost instantly. Emails communicated instructions very clearly. Constant communication all the way along and app and website worked really well.

Definitely a 5 star rating

I think moneyme is very easy to work with, very helpful and went out of their way to make my loan go thru faster as I needed it to happen quickly, and a very fair rate, definitely a 5 star rating, Thank you MONEYME

Very easy and fast to use

Had funds within 2hrs of application. Fantastic experience!

MONEYME were absolutely amazing.

The entire process was incredibly fast, easy and stress-free from start to finish. I signed the contract and literally within seconds the funds were in my account. MONEYME exceeded my expectations. Without a doubt one of the best lending experiences I've ever had. I'll definitely be back and would highly recommend them to anyone looking for quick, hassle-free finance.

Fantastic

I cannot believe how easy the process was. I had the money in my account in under 3 hours from the time I applied! I had argued with my bank for a week before I found MONEYME I would recommend this company to everyone.

I had a great experience with this car finance company.

The entire process was smooth, quick, and stress-free. The team was professional, friendly, and explained everything clearly, making it easy to understand my finance options. They kept me updated throughout the process and worked hard to get my loan approved as quickly as possible. I would definitely recommend them to anyone looking for reliable and efficient car finance services. Thank you for making my car purchase so easy!

MONEYME has been extremely helpful

In assisting me with finance and recently refinancing my car loan to be able to upgrade my car. I would recommend them when looking for a loan company either for personal or car finance.

I'd definitely recommend MoneyMe.

If you're looking for a finance company that's efficient, transparent, and easy to deal with, I'd definitely recommend MONEYME. Really happy with the service and overall experience!

I'm very happy to recommend MONEYME.

Their rates were the best I could find, and they suited my needs perfectly for a business car loan. The process was straightforward, communication was excellent, and everything was handled efficiently. I'm very satisfied with the service and would happily recommend MONEYME to anyone looking for a competitive and reliable lender.

Thanks to MONEYME I was able to get my first brand new car!

The process was super easy to follow online and even better they were super quick and reliable with moving the process along. It took me just 1 day to complete and have my loan approved!

Fast and simple

Loan application that was approved quickly and competitive interest rate that has no penalties for extra or early payments. Also with the use of an app for easy repayments and to keep track of the loan.

Highly recommend

Very informative, and very helpful and very fast with approval, i think it took about 2 days in total from applying to funds in my account and paying for the car, the loan term was also better than i expected and the repayments less than i thought, would highly recommend

MONEYME has always been amazing.

I've been with them for years and they are consistently great to speak with and the service is fantastic too. Never had a problem. Highly recommend

Reliable and trusted with good interest rates

Hey everyone just sharing my experience through money me finances which I applied for loan it was smooth reliable and trusted with good interest rates and also easy to get loan in couple of minutes highly appreciated definitely would recommend anyone going for loan.

Helpful and easy

Well I've been with MONEYME for the last 5yrs so helpful and easy to deal with hence why ive not so long ago been approved for another loan from you guys so thankyou for helping me out as im enjoying my new ride

MONEYME were absolutely amazing.

I had a great experience with this car finance company.

Better rates and convenient!

Process was easy and quick- very convenient. Rates were also much better than what the banks offer.

A seamless, efficient and professional experience.

Excellent communication culminating in a very quick transaction. Would use them again without hesitation.

Easy to deal with.

I found MONEYME to be straightforward. The whole process from applying to approval was quick and done with ease. The app is easy to understand and effortless. Well done to MONEYME.

I would do it all again with MONEYME

Great financial group. I have had 2 personal loans and they could not do enough to help me. If I need to, I would do it all again with MONEYME. Thank you

Got a better interest rate!

I have had numerous loans with MONEYME; the process is quick, the service is great, and that's why I keep coming back. Highly recommend.

We've used MONEYME for 5 years

We've used MONEYME for 5 years and funded various vehicles with them. Their honesty, expertise and speed is the best in the market. With a recent purchase they approved and settled all within hours. Their process and rates are amazing. Thanks Cam and the MONEYME team.

The interest rates were reasonable

My experience with MONEYME was very simple and convenient, and I was impressed with how fast they approved my loan request. The interest rates were reasonable which I appreciate and the repayments for me are more than manageable.

I would give these guys an 11 out of 10

I have never struck a lender so easy to get along with , then coupled by a top broker sam smith, if you need a lender i would give these guys an 11 out of 10 , fantastic

So impressively easy and fast.

Our bank who we already had a mortgage with was being difficult despite clearly being able to see that we put $1000 extra per fortnight into our mortgage, moneyme had our application approved and money in our account within 24hours.

I was recommended MONEYME

I am only at the beginning of my finance and the process has been very straight forward. I was recommended MoneyMe because I plan to pay out my finance early and like the fact I can do that without getting whacked with extra fees and interest!

What a pleasure working with MONEYME.

What a pleasure working with MONEYME. Their service and expertise were beyond expectations. Thank you for making this process so easy and simple.

Fast and simple

The application process was straightforward, quick and simple, the interest rate was very competitive and the funds were available immediately after approval.

They definitely went above and beyond

From start to finish the whole experience was flawless and they definitely went above and beyond to get me the product I really wanted well done to Peter and luke great job guys I'll be sure to return when time is right thank you a million times

Funds where in my account with 24hours

Straight forward application, information requests easily accessed from my phone, quick response times and funds where in my account with 24hours. Thanks MONEYME ⭐⭐⭐⭐⭐rating

Frequently asked questions

- A cashback rewards credit card lets you earn a percentage of eligible purchases back as money credited to your account. With the MONEYME Cashback Rewards Credit Card, you earn 1% cashback on eligible everyday purchases, which is automatically credited to your balance after you make your minimum repayment on time each month.
  
  More broadly, cashback cards calculate rewards as a percentage of eligible spending over a set period, such as a monthly statement cycle. Cashback is usually applied as a credit to your balance, though structures vary by provider.
  
  In Australia, most cashback credit cards offer limited time promotions or provide cashback through reward points. These points may expire, change in value, or require manual redemption.
  
  Used responsibly, a cashback credit card can help reduce the cost of everyday spending. The cashback you earn depends on eligible spend, your approved credit limit, and the card’s fees and interest charges.
  
  Read our full guide to cashback credit cards for a detailed breakdown of how cashback works and whether a cashback credit card is right for you.

- With the MONEYME Cashback Rewards Credit Card, cashback is earned on eligible everyday purchases made using the card. As long as you make your minimum monthly repayment on time each month, cashback is automatically credited to your account balance.

- To maximise cashback with MONEYME’s Cashback Rewards Credit Card, use it on everyday spending, like groceries, transport and even your daily coffee, pay at least the minimum repayment by the due date. You can even stack cashback rewards with platforms like ShopBack when eligible to double-dip on cashback.
  
  When you use your card for regular expenses and direct debits, cashback is earned automatically without changing how you spend. It’s also worth keeping an eye out for promotional periods and making the most of the built-in perks, including mobile phone insurance and ticket protection. This way, you get added value on top of everyday cashback.

- With the MONEYME Cashback Rewards Credit Card, cashback is credited to your account after your statement period ends, provided the minimum repayment has been made on time. It appears as a credit on your balance the following month.

- With the MONEYME Cashback Rewards Credit Card, cashback is applied directly to your card balance. This reduces the amount you owe and increases your available credit.

- To apply for the MONEYME Cashback Rewards Credit Card, you must be at least 18 years old, be an Australian citizen or permanent resident, and earn at least $30,000 per year from employment. Applications are assessed based on your financial situation and credit profile.
  
  Most credit card providers have minimum age, income and residency requirements, and assess applications against responsible lending criteria.

- With the MONEYME Cashback Rewards Credit Card, your personalised rate, fees and repayment details are shown clearly before you proceed with a full application. You can check the product page for the latest rates and fee information.
  
  More broadly, interest rates, annual fees and other charges vary between providers. It’s important to review the current product details before applying.

- Yes. You can get pre-qualified in minutes by checking your eligibility for the MONEYME Cashback Rewards Credit Card through a pre-qualification process that does not impact your credit score. A full credit check is only completed if you decide to proceed with a formal application.
  
  Many lenders offer a similar pre-qualification or soft check process, but a hard credit enquiry is typically recorded once you submit a full application.

- With the MONEYME Cashback Rewards Credit Card, cashback is not earned on certain transaction types, including BPAY payments, cash advances and balance transfers. Cashback applies only to eligible purchases, as outlined in the card’s terms and conditions.

- With the MONEYME Cashback Rewards Credit Card, cashback is credited only after you have made at least your minimum repayment for the statement period on time.
  
  More generally, many cashback cards require you to meet repayment conditions to remain eligible for rewards.

- You can apply for the MONEYME Cashback Rewards Credit Card online. Start by completing a pre-qualification to see your personalised rate and credit limit. If you choose to proceed, you can submit a full application digitally and manage your card through the MONEYME app once approved.
  
  In general, applying for a credit card involves completing an online application, verifying your identity and providing financial details for assessment.

Loan types

Rates & calculator

Loan types

Rates & calculator

Earn cashback.
Every day.

1% cashback on everyday purchases

Cashback on autopilot

Built-in perks you can actually use

1% cashback on everyday purchases

Cashback on autopilot

Built-in perks you can actually use

Rates, fees and conditions