About MONEYME
Freestyle Credit Card
100% digital. Available in minutes, not days.
A credit card designed for today with up to 55 days interest-free1 and zero-fee options.
A digital credit card for everyday
Up to 55 days
interest free
Get up to 55 days
interest-free on credit
card purchases
Tap, shop and
transfer
Tap & pay in-store,
shop online or transfer
to any bank account
Ready to use in
minutes, not days
Your credit card can
be approved and ready
to use in minutes
100% digital, zero
plastic waste
All the things you need
from a credit card,
without the plastic
Interest free days
and zero fee options
Enjoy more flexibility with up to 55 days interest free
on everyday purchases.
Annual fee
$0 Credit limit up to $3,000
$49 From $3,001 to $5,0003
$149 From $5,001 to $10,0003
Monthly fee
$0 Balance under $20
$5 Balance over $20
Other fees
1.5% On cash advances
Get a credit card in just a few steps
Get your credit card offer and check your credit limit and interest rate before you apply. It takes just a few minutes and won't impact your credit score.
1
Apply in minutes
Apply for a Freestyle Credit Card online or via the
MONEYME app. Keep your driver's licence ready
to verify your account.
2
Choose a credit limit
Get your credit offer and choose a credit limit from
$1,000-$10,000 to suit your needs.
3
Add to your mobile wallet
Activate your Freestyle Credit Card to start spending
immediately, once approved.
A different kind of lender
Quick quotes, fast approvals
We cut out unnecessary paperwork and delays with lending that's fast, simple, and built around you.
Transparent and flexible
No lock in contracts, hidden fees or surprises - just flexible options that keep you in control.
Real support, real fast
Speak to a real person if you have questions, we usually answer calls in seconds.
For people and the planet
We care about our social and environmental impact, and we're proudly B Corp Certified.
Line of credit loan provider
Apply for a fast and simple line of credit with MONEYME for greater financial flexibility. As a leading digital lender, our systems are built around your needs. Access instant quotes and same-day approvals when you take out a personal line of credit with MONEYME.
We’re a proud B Corp certified company with over 450,000 happy Australian customers, so you’ll be in great company! Check out our 3,500 5-star reviews and simply download our app to make an instant application. Prefer to chat? Simply call, and our friendly team will answer you within seconds.
Trusted by over 110,000 Aussies
Wonderful experience and efficient service
Quick turnaround in terms of the loan application outcome. Had great experience with MoneyMe as this is my second time with the company
ZakJul 1, 2024
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Everything you need in one app
Apply in minutes and manage your account wherever and whenever you need it.
Get a line of credit with our Freestyle Credit Card
It couldn’t be easier to get a quick and simple line or credit with MONEYME. Simply:
Complete the short application form, providing digital ID verification. Wait for our soft credit check and application review, and check our clear and transparent terms to ensure you’re happy with them. Once approved, we’ll immediately send you your digital Freestyle credit card, which can be used as soon as you receive it. Simply save it in your mobile wallet. For any queries, our friendly team is here to help and will answer your call in seconds.
Purpose-driven
and responsible
At MONEYME, we're not just here to provide low rate loans - we're here to make a difference. We believe in providing smart, responsible lending that keeps you financially on track, whilst doing good for the planet.
As a Certified B CorporationTM we're big on sustainability. We hold ourselves accountable to the high standards of the B Corp movement, supporting renewable energy projects, doing our part for the community, and striving towards a greener future.
Explore our impact
1Conditions apply to the interest free period. Refer to the Terms and Conditions for the Account for further information. After the interest free period, an interest rate of 18.74% p.a. to 23.74% p.a. will apply.
2The actual rate that you receive will depend on a range of factors, including your credit score.
3Applications and maximum credit limits are subject to eligibility criteria including credit approval. Other terms and conditions may apply.
MONEYME acknowledges Aboriginal and Torres Strait Islander peoples as the first people and Traditional Custodians of the land and waterways throughout Australia. We recognise their continued connection to culture, community and Country, and pay our respects to Elders past and present. Learn more about our commitment here.
Our business hours
Sydney/Melbourne time
Customers
Monday - Friday
8AM-7PM
Saturday
9AM-6PM
Sunday
Closed
Partners
Monday - Friday
8AM-5PM
Saturday & Sunday
9AM-3PM
Customer support
Copyright 2025 l MoneyMe Financial Group Pty Ltd l ABN 40 163 691 236 l Australian credit licence number 442218 | Credit criteria, fees, charges, terms and conditions apply.