MONEYME Cashback Rewards

$149 first year annual fee

0 points

$1,000 min limit

$30,000 annual income required

0.00 points per dollar

Spend $0 in 0 days

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Offer Details

Mid-Tier

Fees

First Year Annual Fee

$149

Ongoing Annual Fee

$149

From year 2 onwards

Note: Additional fees may apply for cash advances, foreign transactions, overlimits, and late payments. Check the issuer's terms and conditions for complete fee details.

Benefits

Cashback
1% cashback
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1% cashback on everyday purchases (e.g. groceries, transport, coffee), up to a maximum of 1% of credit limit per month; credited monthly to the account balance when the minimum repayment is made on time, no expiry
Interest Free Periods
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Up to 44 days interest-free on purchases; after the interest-free period an interest rate of 19.99% to 26.99% p.a. applies, conditions apply
Mobile Phone Insurance
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Phone protection for damage and theft when the mobile phone bill is paid with the card and paid in full, up to $1,500 per year (maximum $900 per occurrence); underwritten by AIG Australia
Purchase Protection Insurance
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Online shopping protection for orders that don't arrive, are damaged, or are missing items, plus cover for accidental damage or theft on purchases made with the card, up to $750 per year
Event Ticket Insurance
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Reimbursement for event tickets paid with the card if the event is missed due to sickness, accidents or similar, up to $1,200 per year
Digital Wallet Integration
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Digital card can be added to a mobile wallet as soon as the application is approved
Digital Card Issuance
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Digital card with a credit limit of up to $20,000 issued in as little as 60 minutes after approval
Mobile Phone Insurance
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Up to $1,500/yr ($900/claim) when paying phone bill in full with card
Purchase Protection Insurance
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Up to $750/yr for eligible purchases
Entertainment Benefits
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Ticket protection up to $1,200/yr for eligible events
Digital Card Issuance
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100% digital card — Apple Pay and Google Pay only, no physical card
Cashback
1% cashback on eligible purchases
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1% cashback on eligible everyday purchases, capped at 1% of credit limit/month

Benefit history

Event Ticket InsuranceUpdated Aug 2026
CashbackUpdated Aug 2026
Digital Wallet IntegrationUpdated Aug 2026
Digital Card IssuanceUpdated Aug 2026
Interest Free PeriodsUpdated Aug 2026
Entertainment BenefitsRemoved Jul 2026
Purchase Protection InsuranceUpdated Aug 2026
Mobile Phone InsuranceUpdated Aug 2026

I'd like to use my bonus for:

Cashback

Craig's Analysis

First Year Cost

$149

annual fee

Earn Rate

Poor

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0.00x Cashback points per $1

Did this help you make a decision?

1.00% cashback on eligible purchases

Capped at $200 per month

At $3,000/month spend: $360 cashback/year

− $149 first year fees

Est. profit $211

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Can I get this bonus if I've had a card from MONEYME before?

We haven't verified MONEYME's exclusion period yet. Check MONEYME's current terms before applying.

See exclusion periods for every Australian issuer →