About MONEYME
Cashback Rewards Credit Card
Earn cashback. Every day.
A better way to get rewarded. ^
Check your credit limit without impacting your credit score before you apply
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 reading
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.
Keep reading1% 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 readingCashback 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.
Keep readingInterest 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
Perks you'll
actually use
Pay your phone bill, get phone protection.
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).
Tap to read T&Cs.
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 for up to 180 days (up to a limit of $750 per year).
Tap to read T&Cs.
We've got 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.
Tap to read T&Cs.^Your cashback. Simplified.
Because rewards shouldn’t be complicated.
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
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
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.