Simply get an Everyday Mastercard online or at your local participating Post Office, then activate and start spending.
Cashback applies when you spend at major supermarkets and grocery merchants. Note: Some retailers that sell groceries (e.g. convenience stores, petrol stations or specialty food retailers) may not be eligible depending on how they are classified.
For further information, please see detailed FAQs here.
The Australia Post Everyday Mastercard is a prepaid card that helps you shop online more safely and manage your money, everyday. Ideal for your everyday spending and budgeting, whether shopping online or in store, wherever Mastercard is accepted. Reload funds anywhere, anytime online, in-app or at a participating Post Office.
Plan and manage your budget with ease using the Australia Post Everyday Mastercard App
No Australia Post reload fees when you top up in-store or online
Shop securely online, with no link to your bank account, plus Mastercard Zero Liability® protection against unauthorised transactions
Extra peace of mind when you shop, with complimentary worldwide purchase protection up to AUD $750*
Buy your Australia Post Everyday Mastercard at a particpatig Post office or online. Choose the amount you would like to load and verify your identity using your Australian Driver’s license or Australian passport. If you purchase in store, you’ll have a card ready to go on the spot. If you purchase online, your card will be immediately dispatched to your home address within 3 – 5 business days.
Register your card online. If you purchased your card online you’ll need to activate it.
Shop at eligible grocery stores instore and online, and get 5% back!
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New Australia Post Everyday Mastercard® customers who acquire their card in July 2026 can earn 5% cashback on eligible grocery purchases for 2 months from the day you acquire your card. Cashback will be loaded back onto your eligible Everyday Mastercard every two weeks.
You must apply for and activate your card between 1 July 2026 and 31 July 2026 to qualify.
This offer is only available to new customers who apply for a new card during July 2026, activate it, and use it at eligible merchants in the grocery category, during the campaign period.
No. This promotion is not available to existing or previous cardholders, and is an offer for new customers who acquire the Australia Post Everyday Mastercard during July 2026.
You will earn 5% cashback on eligible grocery purchases during the first 2 months from your first qualifying card transaction (from the day you acquire your card in July.
You will receive 5% cashback for 2 months from the date you acquired your card, on qualifying transactions.
No. Cashback is applied automatically if you meet the eligibility criteria.
Cashback is credited to your card every two weeks and will appear as “Grocery Cashback”.
Eligible purchases are those made at merchants classified as eligible supermarkets or grocery stores..
Most major supermarkets and grocery stores are included for both instore and online transactions.
No. Some businesses that sell food may not qualify, including:
If a store is not categorised as a supermarket or grocery store, it will not qualify for cashback, even if groceries are sold there.
Yes. The promotion has a total cashback pool of AUD $40,000 across all customers.
Cashback is limited to the first 5,000 eligible customers.
Once the AUD $40,000 pool is exhausted, no further cashback will be paid, even if your eligibility period has not ended.
Cashback is not paid on:
If a transaction is refunded or reversed, the cashback may also be reversed.
No. This promotion cannot be combined with other offers, unless stated otherwise
Keeping ‘acquire’ consistent across T&Cs. Purchase to be referenced when referencing ‘spend’
We suggest the following wording to ensure it is consistent with our T&Cs.
Customers can withdraw from ATM, and can technically transfer to other platforms like paypal - MPMS legal recommend to remove
Campaign Disclaimers:
5% cashback on eligible grocery purchases for new Australia Post Everyday Mastercard customers who apply and activate between 1-31 July 2026. Limited to the first 5000 eligible customers and a total cash back pool of AUD $40,000. Cashback available for two months from first eligible transaction and paid fortnightly. Eligible purchases are determined by merchant category codes (MCCs); some merchants may not qualify. Cash back may be reversed for refunded transactions. Not available to existing or previous cardholders. Cannot be used in conjunction with other offers. Full T&Cs available at auspost.com.au/everydaycard or click here. Consider the PDS FSG and TMD before applying.
The Card is issued by EML Payment Solutions Limited ABN 30 131436 532, AFSL 404131 (‘Issuer’). Mastercard Prepaid Management Services Australia Pty Ltd ABN 47 145 452 044 AFSL 386837 (‘Mastercard Prepaid’) is the distributor of the Card, supplies the processing services for the Card and is responsible for customer service in relation to the Card. Australian Postal Corporation ABN 28 864 970 579 (‘Australia Post’) is an authorised distributor of the Card and is an Authorised Representative (AR No. 338646) of Australia Post Services Pty Ltd (ABN 67 002 599 340, AFSL 457551). You should consider the Australia Post Everyday Mastercard Product Disclosure Statement, Financial Services Guide and Target Market Determination available at auspost.com.au/everydaycard before deciding to acquire the product. Any advice does not take into account your personal needs, financial circumstances or objectives and you should consider if it is appropriate for you.
Mastercard® and the circles design are registered trademarks of Mastercard International Incorporated.
Your actual card design may vary depending on where and when the card is purchased.
^Excludes ATMs, over the counter at financial institutions and merchants who elect not to accept Mastercard Prepaid™ cards. Merchants or other providers may impose limits on use of the Australia Post Everyday Card.
±Further information relating to Zero Liability card protection can be found at the Mastercard website https://www.mastercard.com.au/en-au/vision/who-we-are/terms-of-use/zero-liability-terms-conditions.html
≠Some ATM operators may charge a withdrawal fee. Please check with the ATM operator before using.
~Cardholders will be required to accept the relevant terms and conditions relating to Google Pay.
1Limits and T&Cs apply. See Purchase Protection Terms at www.mycardbenefits.com/terms for details. Australia Post is not responsible for purchase protection benefits.
¥Bank transfer loads will generally take one business day to be processed however may take longer if the payment is not made before 2 PM on a business day Australian Eastern Standard Time.
+T&Cs apply. Customer must contact Customer service to report lost or stolen card.
