Your ExclusiveCostco Loan Partner
As Costco's exclusive finance partner, we offer tailored loan solutions PLUS Costco Shop Cards for Executive Members on settled loans! Terms and conditions apply.
What is the Costco Shop Card?
The Costco Shop Card is a digital gift card that works just like cash at any Costco warehouse or online at Costco.com.au. Costco passes on the referral commission to eligible Executive Members in the form of a Costco Shop Card.
How It Works:
- Apply for a loan with your valid Costco Executive Membership number
- Settle your loan with our help
- Receive your Shop Card via email within 90 days of settlement
- Shop at Costco using your Shop Card like cash!
No Expiry Date
Use it whenever you want
Digital Delivery
Sent directly to your email
Any Purchase
Use on any Costco product
Important: You must be a Costco Executive Member at the time of application and when the Shop Card is issued. The Shop Card value is based on your actual loan amount (excluding offset, redraw, or undrawn amounts).
Our Services for Costco Members
Comprehensive loan solutions with exclusive member benefits
Home Loans
First home buyers, next home, refinancing, or investment properties
- Low deposit options
- Competitive rates
- Fast pre-approval
Car & Asset Finance
New or used vehicles, equipment, and business assets
- Flexible terms
- Quick approval
- Trade-in assistance
Business Loans
Commercial property, working capital, and business expansion
- Tailored solutions
- Expert guidance
- Growth support
Personal Loans
Debt consolidation, renovations, holidays, and more
- Fast approval
- No hidden fees
- Flexible repayments
Calculate Your Shop Card Value
See how much you could earn on your Costco Shop Card
*This is an estimate. Actual Shop Card value may vary based on final loan amount.
Find Your Nearest Costco
Explore loan options and property insights near your local Costco warehouse
New South Wales
Victoria
Queensland
Western Australia
ACT
South Australia
Costco Shop Card — Frequently Asked Questions
Everything Costco Executive Members ask about earning a Shop Card on a settled loan
Still Have Questions?
Our team is here to help. Get in touch for personalized answers.
General Advice Warning: The information provided is general in nature and does not take into account your objectives, financial situation or needs. You should consider whether it is appropriate for you.
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Terms & Conditions
* Manage Your Loans Pty Ltd (MYL) ACN 652 442 790 Credit Representative (CR) 540988 provides access to credit services via Home Mortgage Plus Pty Ltd ACN 105 991 839, Australian Credit License (ACL) 392200. A referral arrangement is in place between MYL and Costco; however, they are not otherwise affiliated in any other way. For terms and conditions on Costco Executive Members Shop Cards please visit www.costco.com.au/services.
You will not receive a Shop Card if the loan is not approved, not settled, not fully drawn down (including balances sitting in offset or redraw), or if a new loan is refinanced before the second anniversary of the original loan settled by Manage Your Loans, for which you have already received a Shop Card. Additionally, the value of the Shop Card will be based on the drawn-down amount of the loan. For example, if you take out a $600,000 loan and the balance of the loan is $540,000 with $60,000 sitting in redraw or offset you will only receive a Shop Card to the value of $540,000.
The Costco Shop Card has no expiration date and cannot be exchanged for cash. The Costco Shop Card will be delivered electronically as a digital card via email from the Costco Services Team within 90 days of the loan settlement.
Costco Executive Membership must be active at the time of Shop Card issuance. For full terms and conditions, please visit the Costco Offer Terms and Conditions page.