Now with $75 cashback*

For approved applicants only. Eligibility, fees and charges and T&C’s apply.
Click HERE for $250 offer T&C's.

Check your rate and credit limit
without impacting your credit score.

An award-winning experience

Winner of Canstar's Innovation
Excellence Award 2022*

Winner of Canstar's Innovation Excellence Award 2022*

Start using your
card in minutes,
not days

Forget waiting days or weeks for your credit card to arrive in the mail, Freestyle is ready to use straight away once approved.

Apply online

Get Freestyle, the awesome
feature-packed card that lives
in your mobile.


Add your Freestyle card details as
your payment method to your
Cashrewards account.


Every time you order, we’ll credit
this back to your Freestyle account
- up to the value of $250.

What is a Freestyle
Credit Card?

It’s the virtual credit card you can access straight
from your phone

  • Features

    Use your card from your phone
    instantly once approved

  • Features

    Pay later with up to 55-days interest free6

  • Features

    Transfer money to any bank account

  • Features

    Get cashback offers in 2 days with
    Perks, powered by Cashrewards™

  • Features

    No annual fees for limits under $3,000

Get Freestyle in a few
simple steps

  • 1.

    Submit basic details
    Includes: Personal, Employment, Income & Expenses

  • 2.

    Verify income
    Via our secure online portal

  • 3.

    Fast approval
    Typically takes around 60 mins

  • 4.

    Download the app to access virtual card
    Add to mobile wallet and start shopping


  • 18+ years

  • Employed

  • Earns more than $24,000 per year

  • Australian resident or citizen

  • No major defaults or bankruptcy

A card that
works for you,
not against you

We spread repayments over a maximum 5-year period
from your latest transaction, unlike banks who spread it
over decades to make you pay more interest.

Plus, we’ll always send you payment reminders to help you
avoid nasty fees for missed payments.

Flexible options


Up to $5,0005

Annual fee


Credit limit


Up to $3,000


$3,001 to $5,000

Monthly fee


Balance under $20


Balance over $20

advance fee


Interest-free period

Up to 55 days6

Interest rate

A rate from 18.74% p.a. to 23.74% p.a. (based on your credit score) applies thereafter7

*Other fees and charges may apply.

Get money back
when you shop with
MoneyMe Perks

Get up to 40% back when you shop online at
over 2,000 stores through MONEYME Perks.

Unlike other rewards programs that can take
months to pay you, you’ll get money back in your
account in days!

Here's how it works

Here's how it works

  • Head to MONEYME Perks in the app to
    browse offers from over 2,000 stores.
  • Shop online and check out with your
    Freestyle card details in one click.
  • We pay out your rewards within 48
    hours or as soon as the transaction
    clears. Yes, it’s that fast.
  • You get money back into your Freestyle
    account automatically.

What are you
waiting for?
Get Freestyle

Use your card instantly once approved!

Typically around 90 minutes

* The Freestyle $75 cashback offer (Offer) is provided by MONEYME Financial Group Pty Limited ACN 163 691 236 Australian Credit Licence 442218 (we/us/our). The Offer is only available to new Freestyle Virtual Credit Account (Freestyle Account) applicants. Applications will be subject to our usual credit assessment and approval process. The Offer is available from 02/03/2022 to 23/03/2023 when you apply and are approved for a new Freestyle Account. The cashback will be paid to your Cashrewards account after 30 days of opening your new Freestyle Account. You must have an active Cashrewards account to which the cashback can be deposited. You are not eligible to receive the cashback if your Freestyle Account is closed or in default prior to the cashback being credited to your Cashrewards account. The Offer is not available with any other MONEYME offer, is only available to new Freestyle customers, and is limited to a maximum of $75 cashback per customer. You cannot transfer or assign your right to the cashback to any other person, and we accept no responsibility for any tax implications that may arise from the Offer. We reserve the right to, at any time, withdraw or extend the Offer or otherwise vary these T&Cs. Participation in the Offer is deemed acceptance of these T&Cs.

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