MoneyMe Freestyle

Now with cashback*

For approved applicants only. Eligibility, fees and charges and T&C’s apply.
Click HERE for $75 offer T&C's.

Trusted by thousands of Australians

Trusted by thousands of Australians

Apply for Freestyle

It only takes a couple of minutes
via your mobile.

Get your Cashrewards cashback

$75 cashback* will be applied to your
member account after 30-days

Start shopping instantly

Once approved your digital card can be
accessed almost immediately.

What is a Freestyle
virtual 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

  • Features

    Submit basic details

    Includes: Personal, Employment, Income & Expenses

  • Features

    Verify income

    Via our secure online portal

  • Features

    Fast approval

    Typically takes around 60 mins

  • Features

    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

Our fees and charges


Up to $20,0005

Annual fee


Credit limit


Up to $3,000


$3,001 to $5,000


$5,001 to $20,000

Monthly fee


Balance under $20


Balance over $20

Interest-free period

Up to 55 days6

Interest rate

A rate from 14.99% p.a. to 19.99% p.a (based on your credit score) applies thereafter7

*Other fees and charges may apply.

Get credit back with
MoneyMe Perks

Enjoy credit back offers at over 1,700 participating stores
when you pay with your Freestyle virtual card

Awards and features

What are you
waiting for?
Get Freestylin'

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.

Personal Loans are running hot!

55 people in the last 24 hours have applied

Freestyle is running hot!

55 people in the last 24 hours have applied

Debt Consolidation is running hot!

55 people in the last 24 hours have applied