Step 1
Step 2
Step 3
A better way to get rewarded*
everyday purchases
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).1
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).1
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.1
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
| Credit Limit | $1,000 - $20,000 |
| Interest rate on purchases Personalised interest rate applies (based on your credit history) after interest-free period.3 | 0% for up to 44 days then reverts to 19.99% to 26.99% p.a. |
| Cash advance fee & rate Cash advance interest rate has no interest-free period. | 3% flat fee with a cash advance interest rate from 22.99% to 29.99% p.a. |
| International transaction fee | 3% |
| Monthly fee | $0 |
| Dishonour fee | $15 |
| Overdue fee | $35 |
| Additional cardholder | Not applicable |
| Balance transfers | Not applicable |
^Cashback eligibility
Tap in-store or pay online with your Cashback Rewards Card and you'll automatically earn cashback on everyday eligible transactions – up to a maximum of 1% of your credit limit per month. To view eligible transactions click here
At the end of each month, when you pay your minimum repayment on time, we'll calculate all of the cashback you've earned and apply this as a single cashback credit to your account balance. Any positive account balance from cashback will be transferred to your bank account if it's not used within 7 days. To view the full terms and conditions click here
1 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.
2 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.
3 The actual rate that you receive will depend on a range of factors, including your credit score.
