A credit card designed for today. 100% digital,
feature-packed and with money back when you shop.
Check your rate and credit limit
without impacting your credit score.
Winner of Canstar's Innovation
Excellence Award 2022*
Forget waiting days or weeks for your credit card to arrive in the mail, Freestyle is ready to use straight away once approved.
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!
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.
Up to $5,0005
Up to $3,000
$3,001 to $5,000
Balance under $20
Balance over $20
Cash advance fee
Up to 55 days6
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.
Very happy customer. Happy to get another loan in the future from MONEYME.
Jayceenemo Aug 09, 2023
Easy to follow application, quick response time and good support.
BGC Jun 13, 2023
I was impressed with how easy and quick the application was. Very happy with their customer service, and the app is very convenient.
Brad May 31, 2023
Freestyle is an instant Freestyle Virtual Credit Card up to $5,000 that exists solely in digital format. Gone are the days waiting for your credit to arrive in the mail - with Freestyle, you can start using credit instantly once approved. Add your Freestyle card to your mobile wallet to Tap n Pay in-store or use the card details in yor MoneyME account to make online purchases.
You can also make peer-to-peer transfers and send money to your bank account in just a few taps. Plus, Freestyle offers up to 55 days interest-free on purchases. With all of these cool features and more, Freestyle is the better way to access credit.
When you apply for a Freestyle Virtual Credit Card, you'll generally get a decision on-the-spot. Once approved, we'll set you up with a virtual card so you can start making purchases straight away, in- store and online. If you transfer money from your line of credit to your bank, this can take anywhere from a few minutes up to 1 business day, depending on who you bank with.
Freestyle Virtual Credit Accounts range from $1,000 to $5,000, depending on your credit profile and history.
You're able to decrease or request an increase for the limit on your line of credit, which is subject to our assessment and suitability.
We'll automatically set you up with a payment schedule with variable amounts aligned to your pay cycle. We'll remind you before we take payments to ensure you have the funds in your account (and to prevent any accidental missed payment fees!). Plus, you can get up to 55 days interest-free on purchases. To view our costs, visit our Costs page.
A credit card lets you borrow money from a bank or other lenders and use it for transactions and purchases without paying in cash. Also known as a revolving line of credit, with a credit card you are given a specific amount of funds or a credit limit that you can use anytime.
Just like how it is with loans or debts, you also have repayments in credit cards. The fees and charges will depend on which type of credit card you are applying for.
Different types of credit cards are designed for different financial needs, spending habits and repayment preferences. Find out which type suits you:
As there are different types of credit cards, consumers apply for a credit card for various reasons as well. For starters, people may get a credit card because they prefer the safety of cashless payments over carrying a huge amount of hard cash for transactions. It also allows consumers to delay a large payment and settle it into smaller repayments.
If your credit card is new, you may be given an initial bonus for spending a certain amount and use the cashback for future purchases. Some other common uses of credit cards are to earn rewards points and frequent-flyer miles.
With the Freestyle Virtual Credit Card, you enjoy up to 55 days interest-free on purchases as long as you repay your balance in full on a fortnightly or monthly basis. Your interest-free period is based on the eligibility criteria, and other fees and charges may still apply.
Visa and Mastercard do not issue credit cards or determine the associated fees and charges like banks and other financial services do. They are the digital payment platforms that provide the system that makes a transaction possible.
One difference between the two is the perks and benefit programs they offer. The other one is exclusivity: some banks and financial institutions arrange only one payment platform—either Visa or Mastercard—for all the cards they are issuing.
In order to apply for a Freestyle Virtual Mastercard, you will need to be at least 18 years old, an Australian citizen or a resident, and have a regular source of income.
Here at MoneyMe, we see the whole picture when a customer applies for a credit card. Your credit score may be one of the most important factors, but we also consider your income, financial commitments and general living expenses to come up with a fair decision.
You can apply for a credit card online or over the phone. As our process is entirely online with no face-to-face interactions, if you would like to apply for a Freestyle card you may click here—the application process is streamlined and only takes a few minutes. You may also apply via the MoneyMe app available on App Store and Google Play.
You can manage your Freestyle account via the Member’s Area or by simply logging in to the MoneyMe app. With 24/7 access to your account, you may view your transaction history, manage your credit limit, check your account status, and more.
Yes. Apart from transferring funds to your personal bank account, Freestyle comes with a pay anyone feature that lets you send money straight to your friend’s or anyone’s account.
A credit limit is the amount that your lender will let you borrow. Banks and online lenders like MoneyMe determine your credit limit on various factors such as your income, financial commitments and living expenses.
Banks and other credit card companies determine a consumer’s credit limit based on their ability to repay their credit limit. To arrive at a fair and accurate decision, lenders will have to assess your credit history and credit score. Aside from these, you need to provide your annual or monthly income, employment status and credit rating as measures to your creditworthiness and how likely you are going to complete your repayments.
This means that there’s a high probability of getting a higher credit limit and lower interest rates the higher your annual income and credit score is. On the other hand, lenders may less likely approve your credit card application if you have an average or below-average income and credit score.
Just like when applying for a credit card, you have to meet your lender’s eligibility criteria for your request for a credit limit increase to be approved. First, you must have a good repayment history on your credit card. You should also be able to make repayments on time and you shouldn’t be exceeding your current credit limit.
A late payment fee is charged to your account if you fail to pay the minimum repayment amount stated in your agreement. If not paid by the due date, the charge may range from $0 to $35, depending on your card provider.
Yes, you can pay off your credit card balance earlier without any early exit fees.
The Freestyle Virtual Mastercard® is nothing like the traditional plastic card issued by banks. Rather than having to keep in your wallet, Freestyle is digitally stored in your phone. If your device has been lost or stolen, you may notify us immediately on 1300 684 893 so we can suspend or cancel your card.
At MoneyMe, we charge 2.99% foreign exchange rate plus the prevailing Mastercard exchange rate at the time you use the Freestyle card.
If you have a concern or simply not satisfied with our service or ability to resolve your issue, you may send us a complaint via email@example.com or call us on 1300 408 656. We will review your complaint within 1 day and try to resolve it within the next business days.
Take advantage of the best deals online with your Freestyle Virtual Credit Account.
Freestyle can be used anywhere that offers Mastercard to make a credit card payment. Simply log in to your MoneyMe account and tap your virtual card to reveal your card number, expiry date and CCV for online purchases.
For an even faster checkout experience, you can select Freestyle as your payment method on any Freestyle retailer’s website and simply log in to your MoneyMe account to proceed with payment.
Whether you’re splitting the dinner bill with friends or paying a colleague back for lunch, with a Freestyle Virtual Credit Account you can make peer-to-peer transfers (coming soon), straight from your mobile. All you need to do is punch in the mobile number of the person you’re sending money to and our tech does the rest to ensure they receive the payment. It’s as simple as that!
Plus, you can send money straight to your bank account in just a few taps by confirming the amount you wish to transfer. No questions asked.
To be eligible for a Freestyle Virtual Credit Account you must be living in Australia, employed and 18 years or older. To apply in minutes, simply click ‘Apply now’ below and complete our easy online application. Once approved, your Freestyle virtual card will be set up and ready to use instantly – it’s that fast.
MoneyMe provides you and the whole of Australia with an online credit card that is convenient and reliable. Use our credit card application now and say goodbye to those traditional plastic cards.
After asking, ‘How to apply for a credit card?’ you may want to cancel it due to a number of reasons. You can choose to cancel your Freestyle Card account at any time. However, according to our terms and conditions, you must notify us through a written statement and pay off any outstanding balance.
It is also important to note that all your obligations, debt, and charges must be dealt with before the cancellation can be approved on our side.
Don’t worry; you may choose to reduce the limit of your virtual credit card at any given time. Just notify us and keep in mind that the effects of your request are not instant. The act of reducing your credit limit may take some time to be processed depending on the influx of other requests and platform updates in MoneyMe. However, we assure you that we will attend to your concern as soon as procedurally possible.
Paying off your credit card is essential as it does not function like online debit cards with money already loaded up inside. If you’re still unfamiliar with the differences, learn about credit card vs debit card on our site for more information.
In order to pay off the money you have been borrowing, simply check your payment schedule in the Members Area. If you wish to pay for your expenses now, click ‘Make a payment’ in the Account Overview section. Another way of doing this is by going through the main menu, clicking ‘Manage my loan’ and then ending the process with ‘Make a payment’.
Instead of using an online credit card, another line of credit option to buy things over the internet is through quick loans from MoneyMe. We offer cash loans that range from $5,000 to $50,000, and all it takes is a five-minute application to see if you’re eligible.
We’re all about responsible lending; that’s why we only offer loan terms that you can comfortably repay. MoneyMe won’t let you bite off more than you can chew. You’ll be able to repay your loans through our convenient scheduling and reminders based on your pay cycle.
Before the Freestyle Card and application, even the best credit cards were susceptible to scams. Traditionally, it would happen through illegal devices called skimmers. These tools gathered the physical card’s information through its magnetic strip. Afterwards, the perpetrator could apply that information onto a fake credit card and then make online transactions under the victim’s name.
However, this type of crime does not occur that often anymore as there is a new generation of credit cards. The MoneyMe Freestyle Card allows you to secure your information through the safety of your phone. This way, skimmers can no longer gather data from the card’s magnetic strip as there is no physical card to begin with.
Paying over the internet has been made easy through the online credit card from MoneyMe. Simply begin by logging in to your Freestyle Card account. Next, tap the virtual card on the screen to see the three important pieces of card information: the card number, expiry date, and the CCV. Afterwards, input this information into the website you wish to order from, finish the checkout process, and wait for the product or service to arrive.
Using the National Australia Bank (NAB) application is an easy way to repay credit card services. Follow these basic steps to complete the repayment process.
While our repayment options in MoneyMe are as easy as NAB (if not easier), we provide you with the added benefit of breathing room.
We understand that things don’t always go according to plan. That is why with our variable-term payment, you can give added payments or repay in full with no additional cost. Additionally, we can also reschedule your payment for up to 7 days for free so that you don’t have to worry about super strict deadlines.
Here at MoneyMe, we understand you not just as a credit card client, but as a consumer as well. This means that we provide services that make your life easier by taking into account your different needs as someone who lives in a fast-paced environment.
For this reason, we have created an all-in-one easy approval credit card fit for just about any use. Our MoneyMe Freestyle Mastercard has all the features of a credit card for temporary residents, student credit cards, and much more.
Aside from this, with our personal credit card, you can enjoy additional benefits on top of our low interest rate of 16.99% per annum. Our unique service provides a same-day approval, virtual form factor, and credit back MoneyMe perks, among other advantages.
Apply for our solution today using the MoneyMe credit card application and cover all sorts of expenses. From rent due to holiday layby agreements – allow our reliable credit option to handle the charges.
Understanding the Freestyle virtual credit card from MoneyMe is easy if you think of it as simple cash loans online.
When you set up your account, we give you a specific credit limit based on your credit score. However, unlike a bank or traditional credit institution, we also check other important factors such as generated income, debt obligations from bank loan programs, and the living expenses in your area.
Afterwards, we will approve your MoneyMe account so that you can instantly buy products or services and then pay for them using the Freestyle virtual credit card. Then, all that’s left for you to do is pay off your balance based on the agreed-upon repayment terms.
That’s basically all there is to it – a MoneyMe credit card is an easy concept to wrap your head around. Create a Freestyle account today to complete any transaction that accepts Mastercard and even redeem credit from over 1,700 of our partner stores.
Traditionally, a credit card is a small rectangular plastic product that allows you to spend money that comes from your selected provider. It gives you the ability to purchase goods or services at an earlier time as actual payments are set in the future.
However, MoneyMe online credit cards have a unique virtual aspect to them. Instead of carrying this traditional rectangular piece of plastic, you can just bring out your mobile phone and use the Tap n Pay in-store option. Additionally, you can view your credit card number, expiration date, and CCV on the MoneyMe platform for online purchases.
With this convenient model, you won’t even have to bring your wallet with you anymore when you download our mobile app. Just bring your phone with you then enjoy life through paperless processes.
For a traditional bank credit card, you would have to plan a trip to one of the physical branches. Once you get there, you have to wait in line for their staff to assist you, then fill out stacks of paperwork and submit other requirements such as a savings statement.
We don’t know about you, but that doesn’t sound like a lot of fun. With MoneyMe, you can skip that stress-filled process and even apply for a Freestyle credit card while lying in bed.
Simply make sure that you are 18 years or older, an Australian citizen, and currently employed. If all of those conditions are met, then you are eligible for our effortless application procedure.
To get to enjoy our Freestyle card, input the necessary financial data in our mobile app, allow us to give you a fair credit limit based on the provided information, and that’s it – an approved application and a ready-to-use credit card.
A balance transfer credit card gives you the power to pass on the balance you are obliged to pay from one card to another. This effectively makes it so that you don’t have to worry about multiple small debts, but one consolidated one instead.
However, with this type of credit card, banks generally charge more with regard to purchasing interest. They do this so that they can cover the expense lost from the lower credit balance interest rate.
With MoneyMe, you can avoid the high purchase interest associated with balance transfer credit cards from banks. We provide you with small debt consolidation loans so that you can fully repay all your other loans. The best part is that you can save more with our option as we have a unique MoneyMe credit rating system that allows you to have less interest the higher your placement is.
Apply for a consolidation loan from MoneyMe and increase your rating from an A5 to an A1+ in no time. Start making consistent repayments with us and save more in the long run.
Applying for a MoneyMe Freestyle card is a simple task anybody can do. Just follow these basic steps and have your application approved in just a few minutes.
First, make sure that you are eligible for our credit products. If you are a working Australian citizen aged 18 or older, then you can proceed to the next step.
Next, download our mobile phone application available on all types of smartphones. Doing this will allow you to view your card details and receive notifications about your repayment status.
After the app has been installed, create an account and Freestyle card request. Here, you will have to type in information about your financial situation so that we can decide on a fair credit limit for you.
Lastly, wait for our expert MoneyMe team to approve your request, then instantly enjoy your fully functional virtual credit card.
With that simple process, say hello to our Freestyle option and goodbye to those clunky plastic cards. Join us here at MoneyMe and step into the future of money borrowing!
In order to get an online credit card from MoneyMe, you must be above 18 years old, an Australian citizen, and have a steady income source.
If you are eligible, you can apply through the phone or by going to the physical branch. On the other hand, you can also apply online through our website or through the mobile application available on both the Apple App Store and Google Play Store.
Sign up now as the application process and approval will only take a couple of minutes of your time.
Using the online shopping card from MoneyMe is absolutely safe and seamless. All you have to do is shop from trusted websites or marketplaces online and keep your account details secure on your end.
However, if your device with the Freestyle Card information has been stolen or lost, contact us right away through 1300 605 186. Additionally, after contacting the number, you may need to send us a written statement regarding the stolen phone for legal and procedural purposes. By doing this, we can cancel or suspend your online credit card so that unjust transactions may be void.