Credit Card

Use your card instantly once approved.

Award winning lender

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
in minutes

Choose a credit limit
from $1,000-$5,000

Add it to your
mobile wallet

Ready to use
straight away

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.

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.

More freedom with
more ways to pay

We understand there’s more than one way to

Add Freestyle to your mobile wallet to Tap n Pay
anywhere Mastercard is accepted, shop online
with your digital card details or use your credit
limit to transfer your mates back for dinner.

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

Cash advance fee


Interest-free period

Up to 55 days6

Interest rate

A rate from 18.24% p.a. to 23.24% p.a. (based on your credit score) applies thereafter7

*Other fees and charges may apply.

Our customers

What are you
waiting for?
Get Freestyle

Use your card instantly once approved!

Typically around 90 minutes

Things you should
know for a line of

Fees and charges

  • from 18.74% p.a. to 23.74% p.a.4
  • Credit limit approvals up to $5,000
  • Minimum withdrawal amount is $100
  • Monthly account fee of $5 Only applies if outstanding balance is over $20
  • Annual fee from $0 to $149 Based on your credit limit and rating
  • Cash advance fee of 1.5%

3 This interest rate is based on the Annual Percentage Rate (APR). Our APR is calculated daily by applying the daily APR and charged in arrears on the outstanding balance of your loan to the date your payment is due.

Other fees that may apply

  • Dishonour fee of $15 This is payable each time a direct debit is dishonoured on your commitment to make a loan repayment is not met.
  • Overdue account fee of $35 Payable when the repayment is 7 days overdue, and again every 14 days thereafter, until arrears are cleared or a cap of $210 is reached.

Example repayments

Based on a revolving line of credit of $5,000 over 5 years

  • Minimum interest rate of 18.74% p.a. (25.38% p.a. comparison rate5) with total cost of $5,713.78
  • Maximum interest rate of 23.74% p.a. (30.37% p.a. comparison rate5) with total cost of $5,860.02

4 Warning: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates.