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[Image] Cashback Rewards Credit Card

Earn cashback.

Every day.

A better way to get rewarded

Get started

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

4.7Google · 5,000+ reviews110,000+ Aussies fundedBCorp Certified

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[Image: Hand holding a phone showing the MONEYME Cashback Rewards card]

[Image: 1% cashback on everyday purchases]

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

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[Image: Cashback on autopilot]

Cashback on autopilot

Monthly cashback credited straight to your credit card account balance, when you make your minimum repayment on time. No hoops or expiry dates – your cashback takes care of itself.

[Image: Built-in perks you’ll actually use]

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. 1

Keep reading

Keep reading

[Image: 1% cashback on everyday purchases]

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

[Image: Cashback on autopilot]

Cashback on autopilot

Monthly cashback credited straight to your credit card account balance, when you make your minimum repayment on time. No hoops or expiry dates – your cashback takes care of itself.

[Image: Built-in perks you’ll actually use]

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. 1

Keep reading

Rates, fees and conditions

Enjoy cashback on everyday purchases with up to 44 days interest free

Cashback

1%On purchases

Interest-free

Up to 44 days

Annual fee

$149

Interest rate

19.99% to 26.99% p.a.

Other rates and fees

Cashback eligibility

Perks you can

actually use​

[Image: Phone Protection]

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.

[Image: Online Purchase Protection]

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 (up to a limit of $750 per year).

Tap to read T&Cs.

[Image: Ticket Protection]

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.

Ready to earn rewards that actually count?

You can check your credit limit and rate before you apply

Get started

Check your eligibility in minutes with no impact to your credit score

A digital card, ready

when you are

Your card is ready to use the moment you’re approved. Just add it to your mobile wallet.

Access your digital card with a credit limit up to $20,000 in as little as 60 minutes.

[Image: check our rates][Image: Check our rates]

Award-winning lender

[Image: Award image]

We're trusted by over half a million Australians

MONEYME Reviews Average rating: 4.7, based on 5000 reviews

[Image: 4.7 review rating]

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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

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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

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Very easy and fast to use

Had funds within 2hrs of application. Fantastic experience!

JoJul 10, 2026

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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Very easy and fast to use

Had funds within 2hrs of application. Fantastic experience!

JoJul 10, 2026

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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

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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

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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

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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

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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

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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

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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

[Image]

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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

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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

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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

[Image]

[Image]

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

[Image]

[Image]

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

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Better rates and convenient!

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

JMijMar 21, 2026

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A seamless, efficient and professional experience.

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

NickMar 19, 2026

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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Better rates and convenient!

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

JMijMar 21, 2026

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[Image]

A seamless, efficient and professional experience.

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

NickMar 19, 2026

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[Image]

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

[Image]

[Image]

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

[Image]

[Image]

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

[Image]

[Image]

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

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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

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[Image]

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

[Image]

[Image]

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

[Image]

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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

[Image]

[Image]

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

[Image]

[Image]

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

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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

[Image]

[Image]

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

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Get started

Check your eligibility in minutes with no impact to your credit score

A clearer guide to credit cards

[Image: Cashback credit card interest rates explained]

[Image: credit card category] Credit card[Image: financial-health] Financial health

Cashback credit card interest rates explained

[Image: Team MoneyMe]

Team MONEYME|

June 18, 2026|2 min read

[Image: Are credit card points about to be worth less?]

[Image: credit card category] Credit card[Image: financial-health] Financial health

Are credit card points about to be worth less?

[Image: Team MoneyMe]

Team MONEYME|

September 25, 2026|2 min read

[Image: MONEYME launches new cashback credit card]

[Image: credit card category] Credit card

MONEYME launches new cashback credit card

March 24, 2026|2 min read

Frequently asked questions

• What is a cashback rewards credit card?
• How do you earn cashback on a credit card?
• How can I maximise my cashback rewards?
• When is cashback credited to your account?

Read more FAQs [Image: arrow right]

Ready to earn rewards that actually count?

You can check your credit limit and rate before you apply

Get started

Check your eligibility in minutes with no impact to your credit score

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.

Conditions 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.

The actual rate that you receive will depend on a range of factors, including your credit score.

Applications and maximum credit limits are subject to eligibility criteria including credit approval. Other terms and conditions may apply.

1. MONEYME/
2. Credit card/
3. Cashback credit card

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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.

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Our business hours

Sydney/Melbourne time

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Customers

Monday - Friday
8AM-7PM

Saturday
9AM-6PM

Sunday
Closed

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Partners

Monday - Friday
8AM-5PM

Saturday & Sunday
9AM-3PM

About MONEYME

• About us
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Customer support

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• Contact us
• Live chat

Personal loans

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Credit cards

• Credit card
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• Credit card calculator

Car loans

• Car loan
• Car finance
• Chattel mortgage car loan
• Refinancing a car

Debt consolidation

• Debt consolidation
• Debt consolidation calculator

Renovation loans

• Renovation loan
• Landscaping loan
• Bathroom renovation loan
• Kitchen renovation loan

Legal

• Privacy Policy
• Credit Guide
• Terms of Use
• Responsible Lending
• Complaints
• Security Policy
• Design and Distribution Obligations
• Consumer Data Right Policy

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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.