About MONEYME
Freestyle
Credit Card
A credit card designed for today. 100% digital, up to 55 days interest free1 on purchases, and with 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
Award-winning lender
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.
1Apply in minutes
Apply for a Freestyle Credit Card online or via the
MONEYME app. Keep your driver's licence ready
to verify your account.
2Choose a credit limit
Get your credit offer and choose a credit limit from
$1,000-$10,000 to suit your needs.
3Add 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.
What do I need to apply?
In order to apply for a Freestyle Virtual Credit Account, you must be Australian resident, 18 years or older and currently employed.
The Freestyle online application is super convenient, much quicker and easier than applying for a credit card. Unlike a credit card application, where you’d fill out lengthy forms and provide documentation, all you need to do to apply for Freestyle is enter your personal details, employment information, income and expenses before electronically submitting your bank statements.
We use the trusted Illion Open Data Solutions technology to securely retrieve your bank statements online, allowing us to process your application faster than any bank (don’t worry, we only get a PDF copy of the last 90 days!). The entire process is paperless and hassle-free – meaning we’re able to get you an outcome in just a matter of minutes.
Trusted by over 110,000 Aussies
Everything you need in one app
Apply in minutes and manage your account wherever and whenever you need it.
Credit Card Apply Online
Looking for a great rate credit card? Apply online with MoneyMe today. We offer customers fast online approvals and competitive interest rates for both personal loans and our Freestyle virtual Mastercard® that works just like any other credit card with the bonus of not taking up any room in your wallet. Your Freestyle card lives in your smartphone—the one thing you’re never going to leave home without.
As a wholly online money lender, we strive to offer our customers the latest and best in technology which includes the easiest credit card application
online that we can make. We use the power of the internet to process our completely online application forms quickly and easily. There is no lengthy paperwork to worry about and no annoying phone conversations, just quick loans processed fast. We don’t even have a physical office. The savings we make, we pass on to our customers, including saving valuable time and energy with a fast approval credit card option you can apply for right now.
How to apply for a credit card online?
To be eligible for any credit card you will need to have a good credit rating, be at least 18 years old and currently employed. You need to be an Australian resident as well to qualify.
When it comes to credit checks, we understand if your credit rating isn’t as good as it could be. Life sometimes happens or you may be too young to have a solid credit file just yet. MoneyMe doesn’t work as a lot of other credit providers. We have our own in-house credit rating system we use in conjunction with your standard credit file. You can boost your rating with us by taking out small loans or short term loans first.
This helps to build a solid history with MoneyMe as a reliable and trustworthy credit customer. For every personal loan that you successfully repay within the loan term, your credit rating at MoneyMe improves helping you access better interest rates and lower fees for future credit products with us.
Is it safe to apply for a credit card online?
MoneyMe uses bank-level encryption to keep your details safe. When submitting bank statements online, we use illion’s trusted and secure technology that provides read-only access to a 90-day snapshot in PDF
How to get approved for a credit card online?
The best way to ensure that you are approved for a credit card application is to be completely honest on your credit application. Double-check our lending criteria to ensure that you meet everything on our list before applying:
- 18 years of age or older
- Currently employed
- Permanent resident in Australia
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 18.24% p.a. to 23.24% 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.