Cashback
1%On purchases^
About MONEYME
Cashback Rewards Credit Card
Get cashback on everyday spend.
A virtual credit card with a better way to get rewarded. Earn 1% cashback on everyday purchases. ^
Check your credit limit without impacting your credit score before you apply
Earn 1% back on everyday transactions
Forget complicated airline points. Earn 1% cashback on eligible everyday purchases with your virtual credit card. Your cashback is capped at up to 1% of your credit limit each month.
Cashback made easy
Cashback is automatically added to your virtual credit card account when you make your minimum repayment on time. No extra steps and no expiration, your cashback takes care of itself.
Everyday perks designed for you
Pay in full with your MONEYME Cashback Rewards Virtual Card and enjoy built-in mobile phone insurance, purchase protection, and ticket cover.1
Earn 1% back on everyday transactions
Forget complicated airline points. Earn 1% cashback on eligible everyday purchases with your virtual credit card. Your cashback is capped at up to 1% of your credit limit each month.
Cashback made easy
Cashback is automatically added to your virtual credit card account when you make your minimum repayment on time. No extra steps and no expiration, your cashback takes care of itself.
Everyday perks designed for you
Pay in full with your MONEYME Cashback Rewards Virtual Card and enjoy built-in mobile phone insurance, purchase protection, and ticket cover.1
Rates, fees and conditions
Enjoy cashback on everyday purchases with up to 44 days interest free
Interest-free
Up to 44 days
Annual fee
$149
Interest rate
19.99% to 26.99% p.a.
Perks you can actually use
Get your phone covered when you pay your bill
Use your virtual card to pay your phone bill and get phone protection, against damage and theft, up to a limit of $1,500 per year (maximum $900 each occurrence).1
Keep your purchases protected
Enjoy extra peace of mind with online purchase protection if your order is late, damaged, or missing items. Plus, your virtual card purchases are covered for accidental damage or theft, with an annual limit of $750.1
Enjoy worry-free events with ticket cover
Pay with your virtual card and get reimbursed for tickets if you can’t attend due to sickness, accidents, or other unexpected events, up to $1,200 per year.1
A virtual credit card with cashback rewards
About MONEYME’s virtual credit card
The MONEYME Cashback Rewards Credit Card gives you all the benefits of a virtual credit card with real value built in. It is designed for fast, secure spending with the added benefit of automatic cashback on eligible purchases.
Use your virtual credit card for online shopping or in-store payments with Apple Pay or Google Pay. You can earn 1% cashback on everyday spending, credited directly to your account when you make your minimum monthly repayment on time, with no complicated points to track or redeem.
With up to 44 days interest-free on eligible purchases and built-in protections like phone cover, purchase protection and ticket cover, it is a simple and smart way to manage your spending.
Get a virtual credit card with MONEYME
It is fast and simple to get a virtual credit card with MONEYME. The entire process is online and designed to get you up and running quickly.
Apply online or through the MONEYME app in minutes. Once approved, you can start using your virtual credit card straight away.
Add your card to Apple Pay or Google Pay for secure contactless payments, or use it online wherever digital payments are accepted.
From everyday purchases to larger expenses, the MONEYME Cashback Rewards Credit Card gives you a flexible and secure way to pay, with cashback rewards built in.
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
We're trusted by over half a million Australians
MONEYME Reviews Average rating: 4.7, based on 5000 reviews
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.
MinJul 17, 2026
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
FrankJul 16, 2026
Very easy and fast to use
Had funds within 2hrs of application. Fantastic experience!
JoJul 10, 2026
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.
MarkJul 9, 2026
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.
CherylJul 7, 2026
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!
JastinderJuly 6, 2026
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.
Karen-LeighJun 20, 2026
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!
MohammadJun 19, 2026
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.
CamilaJun 17, 2026
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!
KatrinaJun 16, 2026
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.
Jestr72Jun 1, 2026
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
BrianJun 2, 2026
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
MickApr 22, 2026
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.
KartikApr 10, 2026
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
JamesMar 24, 2026
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.
MinJul 17, 2026
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
FrankJul 16, 2026
Very easy and fast to use
Had funds within 2hrs of application. Fantastic experience!
JoJul 10, 2026
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.
MarkJul 9, 2026
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.
CherylJul 7, 2026
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!
JastinderJuly 6, 2026
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.
Karen-LeighJun 20, 2026
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!
MohammadJun 19, 2026
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.
CamilaJun 17, 2026
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!
KatrinaJun 16, 2026
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.
Jestr72Jun 1, 2026
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
BrianJun 2, 2026
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
MickApr 22, 2026
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.
KartikApr 10, 2026
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
JamesMar 24, 2026
Better rates and convenient!
Process was easy and quick- very convenient. Rates were also much better than what the banks offer.
JMijMar 21, 2026
A seamless, efficient and professional experience.
Excellent communication culminating in a very quick transaction. Would use them again without hesitation.
NickMar 19, 2026
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.
EmilioMar 17, 2026
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
TrishMar 17, 2026
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.
JohnnyMar 12, 2026
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.
SamMar 11, 2026
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.
LeeMar 10, 2026
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
GavMar 2, 2026
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.
BridgetteFeb 26, 2026
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!
SamFeb 20, 2026
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.
Jacques SFeb 20, 2026
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.
JamesFeb 16, 2026
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
ShaneJanuary 30, 2026
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
JasonJan 23, 2026
Better rates and convenient!
Process was easy and quick- very convenient. Rates were also much better than what the banks offer.
JMijMar 21, 2026
A seamless, efficient and professional experience.
Excellent communication culminating in a very quick transaction. Would use them again without hesitation.
NickMar 19, 2026
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.
EmilioMar 17, 2026
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
TrishMar 17, 2026
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.
JohnnyMar 12, 2026
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.
SamMar 11, 2026
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.
LeeMar 10, 2026
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
GavMar 2, 2026
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.
BridgetteFeb 26, 2026
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!
SamFeb 20, 2026
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.
Jacques SFeb 20, 2026
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.
JamesFeb 16, 2026
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
ShaneJanuary 30, 2026
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
JasonJan 23, 2026
Check your eligibility in minutes with no impact to your credit score
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 5
1 Mobile 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 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
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.