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.
About MONEYME's low rate credit card
MONEYME is a low rate credit card provider, offering up to 55 days interest-free, with zero fee options available. Head to MONEYME and apply online for our low rate credit card in just a few steps. It can take just minutes to be approved for your digital card, and you can use it straightaway.
At MONEYME we’re here to help our customers take control of their finances, with affordable, transparent finance, fast online quotes and same-day approvals, 7 days a week. Manage your private account within the app and feel good about choosing a proudly B Corp Certified lender with over 450,000 happy Australian customers and 3,500 5-star reviews!
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 low rate credit card with MONEYME
It’s quick and easy to apply for our low rate credit card at MONEYME, especially with our digital app. Simply:
Grab your driving licence for ID and complete our short application form. You’ll need to pass some basic eligibility questions around age ID, and earnings. Choose your preferred credit limit of $1,000-$10,000 and check our terms. They’re clear and transparent, and our team is just a quick call away if you have queries. Even better, they’ll answer in seconds. Upon approval, we’ll send your digital credit card for you to store in your mobile wallet and use immediately.
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.