About MONEYME
Cashback Rewards Credit Card
Airline points are out. Cashback’s in.
A better way to get rewarded with 1% cashback on everyday purchases. ^
Check your credit limit without impacting your credit score before you apply
A cashback credit card for everyday
Get 1% cashback on everyday spending
Skip complicated airline points programs. Get 1% cashback on daily spend like groceries, transport and coffee. Cashback is capped at 1% of your credit limit each month.
Set and forget
cashback
Cashback is added straight to your account balance each month when you make your minimum repayment on time. No conditions or expiry periods to worry about.
Perks you can actually use
Includes mobile phone insurance, purchase protection and ticket cover when you pay (in full) using your MONEYME Cashback Rewards Credit Card.
100% digital, zero plastic waste
All the things you need from a credit card, without the plastic.
Interest free days and no surprises
Enjoy more flexibility with up to 44 days interest free on everyday purchases
0%
For up to 44 days1
Other fees and charges may apply
19.99
%p.a.
to 26.99% p.a.
Personalised interest rate applies (based on your credit history) after interest free period.2 Cash advance rate from 22.99% to 29.99% p.a. applies.
Annual fee
$149 Credit limit up to $20,000
Other fees may apply3
^Cashback eligibility
Just 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
Interest free days and no surprises
Enjoy more flexibility with up to 44 days interest free on everyday purchases
0%
For up to 44 days1
Other fees and charges may apply
19.99
%p.a.
to 26.99% p.a.
Personalised interest rate applies (based on your credit history) after interest free period.2 Cash advance rate from 22.99% to 29.99% p.a. applies.
Annual fee
$149 Credit limit up to $20,000
Other fees may apply3
^Cashback eligibility
Just 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
Your digital card, ready to go
Once approved, your card is ready to use straight away. Simply add it to your mobile wallet.
Get access to your digital card with a credit limit up to $20,000 in around 60 minutes.⁴
Or select our express option during your application to access a $2,000 limit in as little as 5 minutes.⁴
Check your eligibility in minutes with no impact to your credit score
Useful perks you can actually use
Phone cover when you pay your bill
Pay your phone bill with your card and get cover for theft or damage. Up to $1,500 each year (with a $900 cap per claim).
Tap to read T&Cs.
Shop with purchase protection built in
Covered for undelivered, damaged or incomplete orders when you pay using your Cashback Rewards Credit Card. Also includes accidental damage or theft cover on purchases (annual cap $750).
Tap to read T&Cs.
Tickets covered if things don’t go to plan
Pay with your card and get reimbursed if you cannot attend an event due to unexpected situations like illness or accidents (conditions apply). Up to $1,200 per year.
Tap to read T&Cs.About our Cashback Rewards Credit Card
What makes our Cashback Rewards Credit Card different?
The MONEYME Cashback Rewards Credit Card is designed for simple, everyday spending with real value built in. Apply online in minutes and, if approved, start using your digital credit card straight away with Apple Pay or Google Pay.
With up to 44 days interest free on everyday purchases, this credit card gives you the flexibility to manage your spending while staying in control. You can also earn cashback on eligible purchases, credited directly to your account, so you get rewarded without the complexity of airline points.
Everything is managed in the MONEYME app, from tracking transactions to making repayments, giving you a fast and seamless digital experience.
Check your eligibility in minutes with no impact to your credit score
Award-winning lender
What our customers say
MONEYME Reviews Average rating: 4.7, based on 4700 reviews
Will definitely be recommending MONEYME to friends and family!
Quick and efficient service, will definitely be recommending MONEYME to friends and family!
JackOct 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!
LindaSep 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.
LeslieSept 26, 2025
Super fast and easy application.
Excellent Customers service, super fast and easy application with the response within hrs.
ConsumerSep 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!
NicholeSep 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.
TrinitySep 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.
ShazJuly 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.
BrookeMay 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.
JodieMay 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.
KerrinMay 21, 2025
Quick and easy to apply.
Great interest compared to other loans. No hidden costs. Fast and efficient.
RenayMar 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.
ShazJun 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%
JadeJan 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.
ECJan 6, 2025
Professional fast service.
We had a wonderful experience with MONEYME, fast service and very professional, we will definitely be using them again!
BiancaJan 03, 2025
Will definitely be recommending MONEYME to friends and family!
Quick and efficient service, will definitely be recommending MONEYME to friends and family!
JackOct 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!
LindaSep 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.
LeslieSept 26, 2025
Super fast and easy application.
Excellent Customers service, super fast and easy application with the response within hrs.
ConsumerSep 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!
NicholeSep 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.
TrinitySep 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.
ShazJuly 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.
BrookeMay 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.
JodieMay 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.
KerrinMay 21, 2025
Quick and easy to apply.
Great interest compared to other loans. No hidden costs. Fast and efficient.
RenayMar 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.
ShazJun 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%
JadeJan 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.
ECJan 6, 2025
Professional fast service.
We had a wonderful experience with MONEYME, fast service and very professional, we will definitely be using them again!
BiancaJan 03, 2025
Will definitely be recommending MONEYME to friends and family!
Quick and efficient service, will definitely be recommending MONEYME to friends and family!
JackOct 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!
LindaSep 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.
LeslieSept 26, 2025
Super fast and easy application.
Excellent Customers service, super fast and easy application with the response within hrs.
ConsumerSep 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!
NicholeSep 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.
TrinitySep 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.
ShazJuly 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.
BrookeMay 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.
JodieMay 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.
KerrinMay 21, 2025
Quick and easy to apply.
Great interest compared to other loans. No hidden costs. Fast and efficient.
RenayMar 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.
ShazJun 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%
JadeJan 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.
ECJan 6, 2025
Professional fast service.
We had a wonderful experience with MONEYME, fast service and very professional, we will definitely be using them again!
BiancaJan 03, 2025
Check your eligibility in minutes with no impact to your credit score
What can I use this credit card for?
This credit card can be used for a wide range of expenses, including:
- Groceries and household spending
- Bills and subscriptions
- Travel and accommodation
- Online shopping and retail purchases
- Larger purchases you want to spread over time
- And so much more
Used responsibly, a credit card can help you manage cashflow and pay for purchases in a way that suits your budget.
Benefits of our credit card
- Cashback on everyday spending - Earn cashback on eligible purchases, credited automatically to your account with no points to track or redeem.
- Interest free period - Get up to 44 days interest free on everyday purchases when you pay your balance on time.
- Perks you can actually use - Get built-in protection for your phone, card purchases and tickets when you pay (in full) using your MONEYME Cashback Rewards Credit Card.
- Easy online application - Apply for a credit card in minutes and, if approved, start using it straight away. You can even get pre-qualified without impacting your credit score.
- Flexible credit limits - Choose a credit limit between $1,000 and $20,000 to suit your needs.
- Simple and transparent - No complicated airline rewards systems or hidden costs. Just a straightforward credit card designed for everyday use with rewards that don’t expire, get devalued or are hard to redeem.
- Manage everything in one place - Track spending, view your balance and make repayments easily in the MONEYME app.
Perks you can actually use
The MONEYME Cashback Rewards Credit Card includes built-in protections designed for everyday spending, so you get more value from the purchases you already make (when you pay in full using your card).
- Phone protection - Pay your phone bill with your credit card and get cover for damage or theft. Protection is available up to $1,500 per year with a maximum of $900 per claim.
- Purchase protection - Shop with confidence knowing your purchases are covered if an item does not arrive, arrives damaged or is missing parts. You are also covered for accidental damage or theft on eligible purchases (up to $750 per year).
- Ticket protection - If you pay for event tickets with your credit card and cannot attend due to unexpected events like illness or injury, you may be reimbursed up to $1,200 per year.
Everything you need in one app
Apply in minutes and manage your account wherever and whenever you need it.
Purpose-driven
and responsible
At MONEYME, we're not just here to provide low rate loans - we're here to make a difference. We believe in providing smart, responsible lending that keeps you financially on track, whilst doing good for the planet.
As a Certified B CorporationTM we're big on sustainability. We hold ourselves accountable to the high standards of the B Corp movement, supporting renewable energy projects, doing our part for the community, and striving towards a greener future.
Explore our impact
Supporting
World VisionWe sponsor a child on behalf of every Australian employee. All of these children live in the same community in Uganda, called Busakira.
Item 1 of 6
Frequently asked questions
1Conditions 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.
2The actual rate that you receive will depend on a range of factors, including your credit score.
3Other fees include: 3% on cash advances, 3% on international transactions, $15 dishonour fee, and $35 overdue fee.
4Applications and maximum credit limits are subject to eligibility criteria including credit approval. Other terms and conditions may apply.
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
Customer support
Credit cards
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.