--- title: "MoneyMe Luxury Escapes Card — MoneyMe" description: "Credit & Charge Cards from MoneyMe. Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/moneyme/products/moneyme-luxury-escapes-credit-card source: "CDR Compare" language: en-AU last_updated: 2026-07-31T09:00:00Z --- # MoneyMe Luxury Escapes Card — MoneyMe > Credit & Charge Cards from MoneyMe. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Credit & Charge Cards · Negotiable rates** Digital credit card with Luxury Escapes loyalty benefits. Purchase and cash advance rates are personalised to your Equifax OneScore credit band. Credit limits up to $30,000. The A6 credit band is not offered on this product. ## At a glance - **Purchase rate:** 18.99% - **Annual fee:** $149.00 ## Apply Applications are handled by the provider: [Apply at MoneyMe](https://www.moneyme.com.au/credit-card) ## Interest rates | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Purchase (Credit band A1+ (Equifax OneScore 950-2000). Purchase rates for this band range from 18.99% p.a. (published rate, band floor) to 19.99% p.a. Your actual rate is determined at application time via your Equifax OneScore.) | 18.99% | — | — | | Purchase (Credit band A1 (Equifax OneScore 800-949). Purchase rates for this band range from 19.99% p.a. (published rate, band floor) to 21.99% p.a. Your actual rate is determined at application time via your Equifax OneScore.) | 19.99% | — | — | | Purchase (Credit band A2 (Equifax OneScore 650-799). Purchase rates for this band range from 21.99% p.a. (published rate, band floor) to 22.99% p.a. Your actual rate is determined at application time via your Equifax OneScore.) | 21.99% | — | — | | Cash advance (Credit band A1+ (Equifax OneScore 950-2000). Cash advance rates for this band range from 21.99% p.a. (published rate, band floor) to 22.99% p.a. Your actual rate is determined at application time via your Equifax OneScore.) | 21.99% | — | — | | Cash advance (Credit band A1 (Equifax OneScore 800-949). Cash advance rates for this band range from 22.99% p.a. (published rate, band floor) to 24.99% p.a. Your actual rate is determined at application time via your Equifax OneScore.) | 22.99% | — | — | | Purchase (Credit band A3 (Equifax OneScore 550-649). Purchase 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.) | 23.99% | — | — | | Purchase (Credit band A4 (Equifax OneScore 400-549). 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 A2 (Equifax OneScore 650-799). Cash advance rates for this band range from 24.99% p.a. (published rate, band floor) to 25.99% p.a. Your actual rate is determined at application time via your Equifax OneScore.) | 24.99% | — | — | | Cash advance (Credit band A3 (Equifax OneScore 550-649). Cash advance rates for this band range from 26.99% p.a. (published rate, band floor) to 27.99% p.a. Your actual rate is determined at application time via your Equifax OneScore.) | 26.99% | — | — | | Cash advance (Credit band A4 (Equifax OneScore 400-549). Cash advance rate for this band is 26.99% p.a. Your actual rate is determined at application time via your Equifax OneScore.) | 26.99% | — | — | ## 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 - **Loyalty program** — Luxury Escapes (Earn Luxury Escapes loyalty benefits on eligible spend, including travel credits and member offers.) - **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 only** (Available to natural persons only; not available to businesses or other entities.) - **Minimum age** — 18 years (Applicants must be at least 18 years of age.) - **Residency status** — Australian citizen or permanent resident (Applicants must be an Australian citizen or permanent resident.) - **Employment status** — Must be currently employed (Applicants 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. Applicants in the A6 credit band are not eligible for this product. Applications are subject to MoneyMe's credit assessment criteria.** ## Constraints - **Maximum limit** — $2,000.00 (Express application credit limit: $2,000.) - **Maximum limit** — $30,000.00 (Standard credit limits: $5,000, $10,000, $15,000, $20,000 or $30,000.) ## More information from MoneyMe - [Overview](https://www.moneyme.com.au/credit-card) - [Terms & conditions](https://mmestoragecdn.blob.core.windows.net/web2/v3/images/legal/credit-guide.pdf) - [Eligibility](https://www.moneyme.com.au/credit-card) - [Fees & pricing](https://www.moneyme.com.au/credit-card) ## Data provenance - Published by MoneyMe under the Consumer Data Right - Product ID: `moneyme-luxury-escapes-credit-card` - Last updated by the provider: 31 July 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/moneyme/moneyme-luxury-escapes-credit-card - Provider page: https://www.cdrcompare.au/brands/moneyme --- Source: [CDR Compare](https://www.cdrcompare.au/brands/moneyme/products/moneyme-luxury-escapes-credit-card) — product data published by Australian data holders under the Consumer Data Right. 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