MONEYME
MONEYME Cashback Rewards Credit Card
Earn 1% cashback on eligible everyday purchases with a simple rewards structure, making it one of Australia's strongest cashback credit cards for regular spenders.
Highlights
Main benefits
- 1% ongoing cashback
- Simple cashback structure
- Good for everyday spending
- Credit limits from around $1,000 to $20,000
- Cashback can help offset annual fee
Fees
Fees and charges
Joining fee
$0
Renewal fee
$149 annual fee
Annual fee waiver
Not generally available
Who can apply
Eligibility
- Must be 18 years or older
- Must be an Australian citizen or permanent resident (eligible visa holders may also qualify)
- Must have a valid Australian residential address
- Must have a regular source of income
- Must pass MONEYME's credit assessment
- Must not be bankrupt or under a debt agreement
- Valid Australian mobile number and email address required
Checklist
Documents required
- Valid government-issued photo ID (Australian Driver Licence, Passport, or Proof of Age Card)
- Australian residential address details
- Proof of income (recent payslips or employment details, if requested)
- Bank account details for verification
Process
How to apply
1. Visit the official MONEYME website.
2. Select the Cashback Rewards Credit Card application.
3. Enter your personal details and contact information.
4. Verify your identity using a valid Australian ID.
5. Provide income and employment information.
6. Complete the credit assessment process.
7. Review and submit the application.
8. If approved, receive your digital card and activate it through the MONEYME app.
Value
Reward and cashback structure
Reward rate
1% cashback on eligible transactions
3% cashback on fuel purchase
Cashback
1% of eligible spend, capped monthly based on credit limit
Good fit
Pros
- True ongoing cashback
- Easy to understand rewards
- Useful for regular spenders
- 3% cashback on fuel purchase
Watchouts
Cons
- $149 annual fee
- Monthly cashback cap applies
- No travel/lounge benefits
- Not ideal for low spenders
Related
Related cards
Compare
Compare Cards
| Field | MONEYME Cashback Rewards Credit Card | Coles Rewards Mastercard |
|---|---|---|
| Bank/provider | MONEYME | Coles Financial Services |
| Joining fee | $0 | A$0 |
| Renewal fee | $149 annual fee | A$99 |
| Best for | Ongoing cashback on everyday card spending | Fuel, Groceries, Shopping, Flybuys Rewards |
| Reward rate |
|
|
| Cashback | 1% of eligible spend, capped monthly based on credit limit |
|
| Lounge access | No | No |
| Fuel surcharge waiver | No | No |
| Welcome benefit | No standard welcome bonus currently advertised | A$250 Coles Gift Card: Spend A$3,000 within 90 days of approval |
| Annual fee waiver condition | Not generally available | No |
| Eligibility |
|
|
| Apply link | Apply | Apply |