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Purchase rate: 26.99% p.a.
Annual fee: $149 p.a.
Interest-free on purchases: Up to 44 days

Our verdict

A digital card offering 1% cashback on everyday purchases and built-in mobile insurance, ticket cover and purchase protection.

The MONEYME Cashback Rewards Credit Card gives you a way to ditch plastic cards completely, with a digital-only card that you can start using through Apple Pay or Google Pay within minutes of being approved. It sets itself apart by offering a 1% cashback on eligible everyday purchases like groceries, transport and daily coffee, which is credited back to your account monthly when you make your minimum repayment on time.

Unlike most credit cards, the interest rate on this card depends on your credit score and ranges from 19.99% p.a. to 26.99% p.a., so you won’t know the exact rate until you apply. With up to 44 days interest-free and built-in perks like mobile phone insurance, ticket cover, and purchase protection, it’s still important to weigh these rewards against the costs.

Pros

1% cashback on everyday purchases
Built-in mobile insurance, ticket cover and purchase protection
Ability to transfer money to your bank account

Cons

Charges a 3% foreign transaction fee
No physical card available

Details

Product details

Product Name	MONEYME Cashback Rewards Credit Card
Purchase rate p.a.	Purchase rate p.a.26.99%
Interest-free days	Up to 44 days on purchases
Cash advance rate p.a.	29.99%
Min credit limit	$1,000
Max credit limit	$20,000
Card type	Mastercard

Eligibility

Available to temporary residents	Yes - Conditions apply
Minimum income	$30,000
Joint application	No

Rewards

Bonus points	N/A
Rewards points cap	N/A

Fees

Annual fee	$149
Late payment fee	$35
Foreign currency conversion fee	3%
Cash advance fee	3%

How to apply

If you meet the eligibility requirements and have the key documents and details on hand, you can apply for the MONEYME Cashback Rewards Credit Card online in a few minutes.

Eligibility criteria

Income. You must be employed with an income of over $30,000 per year.
Residency. You must be an Australian citizen, permanent resident or hold a current long-term visa (12 months or more).

Credit history. You must have no history of payment default, bankruptcy, judgements or serious overdue accounts, and a credit score above 600 with Equifax. You also can't have had a previous application declined in the past 365 days.
Age. You must be at least 18 years of age.

Required documents

Bank statement. During the application, you'll need to upload a bank statement.
Personal details. You'll need to provide personal details such as your full name and address.
Identification. You'll need to provide proof of identity such as your driver's licence or birth certificate.
Proof of income. You'll be asked to provide proof of income and employment (such as recent pay slips).

Card benefits

1% cashback. Earn 1% cashback on eligible everyday purchases (capped at 1% of your monthly credit limit). This is automatically credited to your balance each month after you make your minimum repayment on time.
Complimentary E-Commerce purchase assurance. Get extra peace of mind with 180 days of protection against theft or damage (up to $750/year). This also includes online orders that are damaged, incomplete or undelivered.

Complimentary mobile phone protection. Pay your monthly phone bill using your credit card and you'll be covered for accidental damage and theft. You can get up to $900 in coverage per claim, with a total annual limit of $1,500.
Complimentary event ticket protection. Get reimbursed for tickets if unforeseen circumstances, like illness or an accident, keeps you from the event. This covers up to $1,200 per year for purchases made with your card.
Virtual card only. Since there is no physical plastic card for this account, you'll need to have a device compatible with Google Pay or Apple Pay to make purchases. As soon as you're approved, you can add the card to your digital wallet and shop or transfer money straight away.
Send money to your bank account. Transfer money to your bank account in just a few taps using your MONEYME Cashback Rewards Credit Card Card. Note that transferring money from your credit card will count as a cash advance transaction, which attract interest charges at the 29.99% p.a. rate straight away.
MONEYME app. This app gives you a way to view your balance, manage repayments, transfer money from your credit limit to a bank account and more. You can also use its Tap n Pay feature for in-store purchases and your card details for online purchases.

Rates & fees

Annual fee. This card charges an annual fee of $149.
Purchase interest rate. The interest rate for purchases ranges from 19.99% p.a. to 26.99% p.a. and is determined by your credit score with Equifax.

Interest-free days. If you pay your balance in full by the due date on each statement, you can get up to 44 days interest-free on purchases.
Credit limit. This card has a maximum credit limit of $20,000.
Cash withdrawals and transfers. If you use your card to withdraw cash from an ATM or transfer funds to another account, you'll be charged an interest rate of 29.99% p.a. A 3% fee also applies.
Currency conversion rate. When you use your card to make a transaction in a foreign currency overseas or online, you'll be subject to the prevailing Mastercard exchange rate at the time plus 3% of the transaction value.

Sources

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.
1. MONEYME Cashback Rewards Credit Card information PDF
2. MONEYME Cashback Rewards Credit Card TMD

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noypi

March 28, 2025

Hi MONEYME Team,

I’m interested in applying for the MONEYME Freestyle Virtual Credit Card and wanted to check if I qualify. I meet most of the eligibility criteria:

Annual income over $36,000

Credit score of 807 with Equifax

Over 18 years old

However, I’m on a 485 Temporary Graduate Visa. I saw that your eligibility says the applicant needs to be a permanent resident or hold a long-term visa, so I’m wondering if the 485 visa qualifies me for the card.

Could you please let me know if I’m eligible to apply?

Thanks!

Nelson

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Richard Whitten Finder

March 30, 2025

Hello Noypi,

I’m sorry we can’t help you much – at Finder we can help you compare your options but only MoneyMe can process an application. I suggest sending this detailed inquiry to MoneyMe directly and they should be able to help.

Michael Pantic

May 18, 2023

Hi there, I would like to apply for your credit card with a $20,000.00 limit. What information do I require for the application? My credit score is approx 780.

Sarah Megginson Finder

May 19, 2023

Hi Michael,

See the “how to apply” section for a list of the documents you’ll need to apply for this card.

Best of luck!

Thiago

March 02, 2023

Hi, I have been in Australia for just 2 months but I already have a stable full-time job earning about $1400 a week. I have a bank account with WestPac but they wouldn’t give me a credit card based on my Visa (500). Is there a chance I can get a credit card from another provider maybe? Thanks

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Amy Bradney-George Finder

March 15, 2023

Hi Thiago,

You can see details of banks that offer credit cards to temporary residents in Finder’s guide. It also include eligibility requirements and visa requirements for major Australian banks. Keep in mind that approval is subject to the bank’s lending criteria and assessment, so you may want to contact the bank first before you submit your application to discuss your situation. I hope that helps.

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Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full profile

MONEYME Cashback Rewards Credit Card

Pros

Cons

How to apply

Eligibility criteria

Required documents

Card benefits

Rates & fees

Sources

Sources

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