MoneyMe Cashback Rewards Card
Digital credit card with cashback rewards. Purchase and cash advance rates are personalised to your Equifax OneScore credit band. Credit limits up to $20,000.
- Purchase rate
- 19.99%
- Annual fee
- $149.00
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Purchase Credit band A1+ (Equifax OneScore 950-2000). Purchase rate for this band is 19.99% p.a. Your actual rate is determined at application time via your Equifax OneScore. | 19.99% | — | — |
| Purchase Credit band A1 (Equifax OneScore 800-949). Purchase rates for this band range from 20.99% p.a. (published rate, band floor) to 21.99% p.a. Your actual rate is determined at application time via your Equifax OneScore. | 20.99% | — | — |
| Cash advance Credit band A1+ (Equifax OneScore 950-2000). Cash advance rate for this band is 22.99% p.a. Your actual rate is determined at application time via your Equifax OneScore. | 22.99% | — | — |
| Purchase Credit band A2 (Equifax OneScore 650-799). Purchase rate for this band is 23.99% p.a. Your actual rate is determined at application time via your Equifax OneScore. | 23.99% | — | — |
| Cash advance Credit band A1 (Equifax OneScore 800-949). Cash advance rates for this band range from 23.99% p.a. (published rate, band floor) to 24.99% p.a. Your actual rate is determined at application time via your Equifax OneScore. |
Fees
| Fee | Type | Amount |
|---|---|---|
| Annual fee Charged yearly · Annual account fee of $149, charged yearly. | Ongoing | $149.00 |
| Cash advance fee 3% of the cash advance amount, charged each time a cash advance is made. | Withdrawal | 3% of balance |
| Dishonour fee Charged when a payment to your account is dishonoured. | Event | $15.00 |
| Late payment fee Charged when the minimum payment is not received by the due date. | Event | $35.00 |
| Disputed transaction fee May be charged where a disputed transaction investigation finds the transaction was valid. | Event | $25.00 |
| International transaction fee 3% of the transaction value in AUD, charged after conversion to AUD, for transactions made overseas or with overseas merchants. | Transaction | 3% of transaction |
Features
- Cashback offer
- Earn cashback on eligible purchases through the MoneyMe cashback rewards program. Cashback is credited to your card account.
- Digital banking
- Card is managed entirely online via the MoneyMe app and member dashboard.
- Real-time payments (NPP)
- Supports payments via the New Payments Platform where available.
Eligibility
- Individuals onlyAvailable to natural persons only; not available to businesses or other entities.
- Minimum age — 18 yearsApplicants must be at least 18 years of age.
- Residency status — Australian citizen or permanent residentApplicants must be an Australian citizen or permanent resident.
- Employment status — Must be currently employedApplicants must be currently employed with a regular income.
- Minimum income — $30,000.00 p.a.Minimum gross annual income of $30,000.
- Minimum Equifax OneScore of 400 is required. Applications are subject to MoneyMe's credit assessment criteria.
Constraints
- Maximum limit — $2,000.00Express application credit limit: $2,000.
- Maximum limit — $20,000.00Standard credit limits: $5,000, $10,000, $15,000 or $20,000. A $30,000 limit is not offered on this product.
More Information
Published by MoneyMe under the Consumer Data Right · Last updated 8 July 2026 · Product ID moneyme-credit-card