The black Monefit Mastercard credit card

Credit•• 3921

Ways to use Monefit Card

Explore ways to pay for everyday purchases, online shopping, travel and unexpected expenses.

What can you use a credit card for?

A credit card can be used for many everyday and planned expenses, including groceries, subscriptions, online shopping and travel bookings. Monefit Card works for eligible purchases wherever Mastercard payments are accepted.

It can give you more flexibility when planning a purchase or paying for something that needs sorting sooner. Before using one, compare your options, check the total cost and choose a repayment amount that works for your budget.

A man in a yellow shirt lifting his sunglasses against a blue sky

Card, instalments or loan?

The right way to pay can depend on the amount, timing and type of expense. A credit card may suit everyday purchases or costs where you want more repayment flexibility. Instalments provide a set payment schedule for one purchase, while a personal loan may suit a larger expense with a fixed amount.

Before choosing, compare the interest, fees, repayment period and total amount you will pay.

Monefit Card has no monthly card fee. Pay your full bill by the 15th and you can get up to 45 days interest-free. If you carry a balance, the fixed annual interest rate is 20% and interest is calculated daily. See Monefit Card pricing for full details.

A phone showing the virtual Monefit Card in the Monefit app

How can you pay with Monefit Card?

Use Monefit Card for eligible purchases wherever Mastercard payments are accepted. Shop online with your virtual card, pay in stores with your physical card or use Google Pay for contactless payments.

Once you pay, the purchase is added to your card balance. Pay the full bill by the due date or carry part of the balance forward. Interest applies to any balance you carry, and you’ll need to make the minimum payment shown on your bill.

See how it works

Keep an eye on your credit card repayments

The payment is only the beginning. Check your card balance, due date and minimum payment regularly so you always know what is coming up.

Plan how much you will repay before using your card. With Monefit Card, the Payment Wheel shows how different repayment amounts affect the interest you will pay, helping you make an informed choice and pay as little interest as possible.