MONEYME Cashback Rewards Credit Card
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CardIQ
Fair
Overall score, out of 100 · How this works
- Cashback68
- Rewards16
Customer reviews
No reviews yet. Be the first to review the MONEYME Cashback Rewards Credit Card.
Pros & cons
What's good
- Earns cashback on eligible spending.
- No fee to add an additional cardholder.
Worth noting
- The $149 annual fee is high for a Standard card, where the typical fee is about $50.
- The 26.99% p.a. purchase rate sits in the most expensive quarter of cards (the median is 18.99% p.a.) if you carry a balance.
- 3% foreign transaction fee on overseas spending.
- Earns no rewards points on spending.
Card details
The basics
- Additional cardholder fee
- $0 p.a.
- Card tier
- Standard
- Card type
- Mastercard
- Card use
- Personal
- Credit limit
- $1,000 – $20,000
- Credit rating
- Good
- Rewards program
- None
Eligibility
- Instant approval
- No
- Joint application
- No
- Minimum age
- 18 years old
- Minimum income
- $30,000 p.a.
- Residency
- Australian citizen or permanent resident
- Temporary residents
- Eligible
Rates & fees
Ongoing interest rates
- Cash advances
- 29.99% p.a.
- Purchases
- 26.99% p.a.
Fees
- Additional cardholder fee
- $0
- Annual fee
- $149 p.a.
- Cash advance fee
- 3% of the amount
- Foreign transaction fee
- 3%
- Late payment fee
- $35
Repayments
- Interest-free period
- Up to 44 days on purchases
- Minimum repayment
- 2% of the closing balance or $25, whichever is greater
Balance transfers
This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.
Introductory purchase offer
This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.
Rewards
Cashback
- Ongoing cashback
- 1% on eligible spend
Capped at 1% of your credit limit each month.
Where this card sits vs similar cards
Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.
Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.
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Browse by card type
Compare the MONEYME Cashback Rewards Credit Card against every other card in its category.
Questions and answers
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Sources
- Credit Card Compare
- Australian credit card statisticsHow CardIQ scores cards
- Issuer
- MoneyMe