MONEYME Cashback Rewards
Churn value: $360 from this cashback offer.
At $3,000 a month, 1% cashback pays $360 in year one.You pay $0 in first-year fees.
The recorded minimum requirements are that you earn at least $30,000 a year and can take a credit limit of at least $1,000. Meeting them does not guarantee approval.
It is only worth it if you pay in full each month and close the card before the next $149 fee.
Available
This page is my best effort to summarise the card's terms from the information I found. Read the bank's terms for full details, or contact the bank if you have questions.
I'd like to use my bonus for:
Can I get this?
This offer is advertised to the public. Bonus conditions and the bank’s approval requirements still apply.
Can I get this bonus if I have held a card before?
I have not checked the waiting period for this bonus.
See the waiting rules for every Australian bank →Can I get the card?
The minimum credit limit is $1,000. This is the least the bank may let you borrow.
You must earn at least $30,000 a year.
Meeting the bonus rules does not mean the bank will approve your application. The bank must assess and approve the card separately.
How long is this available?
Listed end date: 15 November 2026. Date comparison uses the Australia/Sydney calendar. The issuer’s closing time and timezone are not recorded. Check availability with the issuer.
Compare all cashback cards with an interactive spend slider.
What do I do, step by step?
- Apply. Check the income and waiting rules in “Can I get this?” first. If you do not pass those, the bonus does not come.
- Pay in full each month. Interest can eat the whole bonus. The churn value at the top assumes you never pay interest.
- Use the points for cashback. Points you never use are worth zero.
- Close the card before the next fee — keeping it costs $149 a year. The next section helps you decide if keeping it is worth it.
When this is not worth it
- You pay interest, or you cannot pay in full each month.
- You buy things you do not need to hit the spend target.
- You have no trip or use in mind for the points.
- You keep the card into year two out of habit and pay the fee again.
Should I keep it after the first year?
Keeping the card costs $149 each year ($149 annual fee) — the first year was $0.
There is no bonus in year two. The fee buys points on your spending, plus the card's perks.
Keeping pays off only if the ongoing earn and benefits are worth $149/yr to you.
What else makes the card useful?
Reward use
Ways to turn points into value.
- Cashback Compare across cards →1% cashback
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1% cashback on everyday purchases (e.g. groceries, transport, coffee), up to a maximum of 1% of credit limit per month; credited monthly to the account balance when the minimum repayment is made on time, no expiry
- Cashback Compare across cards →1% cashback on eligible purchases
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1% cashback on eligible everyday purchases, capped at 1% of credit limit/month
Purchase protection
Cover on things you buy with the card. Limits, excesses, and activation conditions apply.
- Mobile Phone Insurance Compare across cards →Phone protection for damage and theft when the mobile phone bill is paid with the card and paid in full, up to $1,500 per year (maximum $900 per occurrence); underwritten by AIG Australia
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Phone protection for damage and theft when the mobile phone bill is paid with the card and paid in full, up to $1,500 per year (maximum $900 per occurrence); underwritten by AIG Australia
- Purchase Protection Insurance Compare across cards →Online shopping protection for orders that don't arrive, are damaged, or are missing items, plus cover for accidental damage or theft on purchases made with the card, up to $750 per year
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Online shopping protection for orders that don't arrive, are damaged, or are missing items, plus cover for accidental damage or theft on purchases made with the card, up to $750 per year
- Event Ticket Insurance Compare across cards →Reimbursement for event tickets paid with the card if the event is missed due to sickness, accidents or similar, up to $1,200 per year
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Reimbursement for event tickets paid with the card if the event is missed due to sickness, accidents or similar, up to $1,200 per year
- Mobile Phone Insurance Compare across cards →Up to $1,500/yr ($900/claim) when paying phone bill in full with card
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Up to $1,500/yr ($900/claim) when paying phone bill in full with card
- Purchase Protection Insurance Compare across cards →Up to $750/yr for eligible purchases
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Up to $750/yr for eligible purchases
Everyday savings
Discounts and cashback on spending. Activation and caps vary.
- Entertainment Benefits Compare across cards →Ticket protection up to $1,200/yr for eligible events
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Ticket protection up to $1,200/yr for eligible events
Account management
Tools for running the account — repayment helpers, not reward value.
- Interest Free Periods Compare across cards →Up to 44 days interest-free on purchases; after the interest-free period an interest rate of 19.99% to 26.99% p.a. applies, conditions apply
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Up to 44 days interest-free on purchases; after the interest-free period an interest rate of 19.99% to 26.99% p.a. applies, conditions apply
- Digital Wallet Integration Compare across cards →Digital card can be added to a mobile wallet as soon as the application is approved
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Digital card can be added to a mobile wallet as soon as the application is approved
- Digital Card Issuance Compare across cards →Digital card with a credit limit of up to $20,000 issued in as little as 60 minutes after approval
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Digital card with a credit limit of up to $20,000 issued in as little as 60 minutes after approval
- Digital Card Issuance Compare across cards →100% digital card — Apple Pay and Google Pay only, no physical card
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100% digital card — Apple Pay and Google Pay only, no physical card
Terms and evidence
Full current terms
Offer terms
Offer Expires
November 15, 2026
in a month
Fees
First Year Annual Fee
Free
Ongoing Annual Fee
$149
From year 2 onwards
Purchase Interest Rate
19.99% p.a.
The value above assumes you pay in full and never pay this. Any interest changes the outcome.
Benefit history (8 changes)
- Event Ticket InsuranceUpdated Aug 2026
- CashbackUpdated Aug 2026
Was 1% cashback.
- Digital Wallet IntegrationUpdated Aug 2026
- Digital Card IssuanceUpdated Aug 2026
- Interest Free PeriodsUpdated Aug 2026
- Entertainment BenefitsRemoved Jul 2026
- Purchase Protection InsuranceUpdated Aug 2026
- Mobile Phone InsuranceUpdated Aug 2026
Offer terms history (3 versions — old terms, for checking)
These are published versions of this offer's terms. Each version preserves the conditions available at that time.
Published 16 Oct 2026
Changes from terms version 2
Changes from terms version 1
First recorded terms
Captures behind the selected terms record — evidence for these terms, not a complete history of the named offer.
Discussion
About the current terms (published 16 Oct 2026).
Community and personal tools
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