Credit Guide

V1.0 issued Feb 1, 2024

This Credit Guide is provided by ShopBack Australia PTY LTD (ABN: 97 620 158 929), credit representative (#555032) of MoneySherpa Pty Ltd (ABN: 32 164 927 708) which has authorised it for distribution as holder of the Australian Credit Licence (#451289) under which services are provided.

Important note: This document and the dispute resolution process outlined in it relate only to Credit Assistance (such as applications for Credit Cards and Personal Loans) /banking and financial products (such as deposit and transaction accounts). If your complaint does not relate to any of these products, please contact us at

MoneySherpa provides the licence that ShopBack uses to provide Credit Assistance (such as applications for Credit Cards and Personal Loans) and has appointed ShopBack as an Authorised Representative to provide General Advice around banking and financial products (such as deposit and transaction accounts).] If your complaint involves these products, please use the dispute resolution process described below.

Contact Details



The purpose of this document

This Guide provides you with important information about our obligations and your rights in relation to consumer lending products regulated by the National Credit Code. The Credit Guide is designed to help you understand the services that we are authorised to provide and to decide whether you wish to use the services we offer.


About us

ShopBack Australia is the leading rewards and discovery platform in Australia. We help customers save money across a wide range of categories including financial services.

We provide offers on creditcards. We don’t cover every product available and you should read the relevant disclosure documents provided by the credit provider and consider whether the products featured on our platforms are appropriate for your needs. We won’t recommend that a particular credit product is suitable for you or appropriate for your requirements and objectives because we can’t know your specific circumstances.

By providing you with information we are not providing credit assistance or suggesting or assisting you to apply for, remain in, or increase your credit limit with a particular credit provider. If we refer you to a credit provider or provider of credit assistance you will be dealing directly with them and not with us.

If you have more questions about the products or their terms and conditions, or wonder whether a particular product will suit you, we recommend that you obtain professional advice.  


Remuneration and costs

The services ShopBack Australia provides is not directly influenced by product manufacturers. We may receive remuneration from product issuers should you proceed to open an account. 

We do not charge you for our servies, ShopBack is a free platform. We earn income from hosting advertisements or sponsored posts and by generating referrals to credit providers. A referral may be generated when you visit a credit provider’s website via a link from our website, social post or social profile. We may get paid by the credit provider based on actions you take such as clicking a link, completing an application or your activity on that account. You do not pay this amount. 

We don’t deal with all providers in the market and our partnerships will change from time to time.


Protecting your privacy

The privacy of your personal information is important to us and we respect your confidentiality. We won’t ask you for information we don’t need but, in order to provide the service, we may collect some personal information from you.

You have the right not to provide the personal information we request, but this may compromise our ability to help you. Rest assured that any personal information we collect or receive will be handled in accordance with our Privacy Policy.


Feedback and dispute resolution

We welcome your feedback on the content and service we provide and encourage you to share your thoughts and comments via our email, 

If you do have any problems or concerns, please contact in the first instance.

When you contact us, please provide enough information for us to identify you, and the subject matter of your complaint. Please also tell us how you wish for your complaint to be resolved.

We will try to deal with your complaint immediately. However, if this is not possible, we will write to you to acknowledge your complaint within five days.

We may contact you for more information.  If this does not resolve your concern write or email the Money Sherpa complaints officer who will respond to you and seek to resolve the issue

If you are still not satisfied, you may contact our External Dispute Resolution Service (it’s free).

The Australian Financial Complaints Authority (AFCA) is an independent and impartial external dispute resolution (EDR) ombudsman, approved by ASIC. Our member number is 3823916 and Money Sherpa’s is 34698

You may contact them at any time, but they may ask you to wait until our internal processes are complete before they will consider your complaint further.

They can contacted by:

  • Telephone: 1800 931 678 (It’s free)
  • Website:
  • Mail: GPO Box 3, Melbourne VIC 3001
  • Fax: 03 9613 6399

We have the benefit of a Professional Indemnity Insurance policy maintained by Money Sherpa which meets ASIC’s requirements.


This information is general in nature and does not take into account your personal financial circumstances. It is for educational purposes only, and does not constitute financial advice or any other professional advice. You should always do your own research and seek professional advice that is tailored to your specific needs and circumstances.

ShopBack Australia PTY LTD (ABN: 97 620 158 929) is an authorised representatives (555032) of Moneysherpa Pty Ltd ABN 32 164 927 708 (Australian Credit License: 45128)

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