About MONEYME
Freestyle Credit Card
100% digital. Available in minutes, not days.
A credit card designed for today with up to 55 days interest-free1 and 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
Interest free days and zero fee options
Enjoy more flexibility with up to 55 days interest free on everyday purchases.
0%
For up to 55 days1
Other fees and charges may apply
18.74
%p.a.
to 23.74% p.a.
Standard variable interest rate applies after interest free period2
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
Interest free days and zero fee options
Enjoy more flexibility with up to 55 days interest free on everyday purchases.
0%
For up to 55 days1
Other fees and charges may apply
18.74
%p.a.
to 23.74% p.a.
Standard variable interest rate applies after interest free period2
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.
1
Apply in minutes
Apply for a Freestyle Credit Card online or via the
MONEYME app. Keep your driver's licence ready
to verify your account.
2
Choose a credit limit
Get your credit offer and choose a credit limit from
$1,000-$10,000 to suit your needs.
3
Add to your mobile wallet
Activate your Freestyle Credit Card to start spending
immediately, once approved.
Like any credit card, just 100% plastic free
Use your Freestyle card to Tap ’n Pay or shop online anywhere Mastercard is accepted.
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.
A credit card for
everyday
When life throws the unexpected your way, the MONEYME credit card is designed to adapt to your needs. Whether you're covering an urgent repair, managing a surprise expense, or simply keeping your financial options open, MONEYME is the credit card Australia trusts for modern spending in a digital world.
With solutions like our Freestyle Virtual Credit Card for access in minutes to funds, or a flexible line of credit up to $10,000, MONEYME empowers you to live in the moment without missing a beat. From interest-free credit card options to fast approvals and secure online credit card applications, we make it easy to seize opportunities and manage your money.
Explore the future of virtual credit cards - tailored to your lifestyle. Apply for a credit card today with MONEYME and experience smarter, faster, better credit.
Award-winning lender
Trusted by over 110,000 Aussies
MONEYME Reviews Average rating: 4.7, based on 4700 reviews
Will definitely be recommending MONEYME to friends and family!
Quick and efficient service, will definitely be recommending MONEYME to friends and family!
JackOct 15, 2025
Quick, easy and hassle free!
Quick, easy and hassle free! I was pleasantly surprised how easy the process was. Also being able to make extra repayments and payout the loan early without penalty, is a big bonus. Recommended!
LindaSep 27, 2025
Easy to deal with.
Easy to deal with and open about the odds and ends of the deal on the purchase. I will continue using MONEYME for any future purchases for the simple reason of not having to deal with all the issues the big banks have with a purchase. Great work Eujin.
LeslieSept 26, 2025
Super fast and easy application.
Excellent Customers service, super fast and easy application with the response within hrs.
ConsumerSep 18, 2025
Approval was fast and even the car dealership was blown away.
Approval was fast and even the car dealership was blown away by the speed and ease of dealing with MONEYME. I had my new car in no time! Highly recommend!
NicholeSep 13, 2025
MONEYME is one of the best finance companies I've ever gone through.
MONEYME is one of the best finance companies I've ever gone through great people and what a fantastic service they provide. MONEYME definitely goes above and beyond to satisfy their customers, thank you so much I would highly recommend MONEYME to anyone Australia wide.
TrinitySep 10, 2025
Great rate and helpful people making this purchase smooth and easy.
A fantastic experience of getting the right finance for my new vehicle. No fuss, no problems, a fast and easy solution with a great rate and helpful people making this purchase smooth and easy.
ShazJuly 10, 2025
Very Happy!! MONEYME finance was so easy to work with.
They made the whole experience from start to finish stress free and simple for me to understand which was exactly what I needed. They were just so quick and efficient, the only waiting was with the car yard itself. I would use MONEYME again. I highly recommend them to anyone wanting quick approval at a great rate with fantastic service.
BrookeMay 23, 2025
Overall great experience.
Super quick approval and great interest rate. Money was in the bank within minutes of me accepting the offer. Overall great experience.
JodieMay 9, 2025
Very easy, seamless process.
Every part of the way i had ongoing communication and I knew where I was at every stage. I was able to sign all documents online. The contract was easy to read and understand. The app is very easy to navigate with a easy to find phone number if i ever need assistance.
KerrinMay 21, 2025
Quick and easy to apply.
Great interest compared to other loans. No hidden costs. Fast and efficient.
RenayMar 7, 2025
A fantastic experience for getting the right finance from my new vehicle.
No fuss, no problems a fast and easy solution with a great rate and helpful people making this purchase smooth and easy.
ShazJun 8, 2025
Easiest process.
MONEYME has been so easy to navigate the website and the app, always in contact every step of the application. They gave me a chance to get my family a new car. Great company, fair prices, 100%
JadeJan 13, 2025
Great for debt consolidation!
I have used MONEYME a few times as they are simple and efficient. Response time is super quick and the rates are competitive. I was on a crazy rate with a credit card company and used MONEYME to consolidate that debt and reduce my repayments.
ECJan 6, 2025
Professional fast service.
We had a wonderful experience with MONEYME, fast service and very professional, we will definitely be using them again!
BiancaJan 03, 2025
Will definitely be recommending MONEYME to friends and family!
Quick and efficient service, will definitely be recommending MONEYME to friends and family!
JackOct 15, 2025
Quick, easy and hassle free!
Quick, easy and hassle free! I was pleasantly surprised how easy the process was. Also being able to make extra repayments and payout the loan early without penalty, is a big bonus. Recommended!
LindaSep 27, 2025
Easy to deal with.
Easy to deal with and open about the odds and ends of the deal on the purchase. I will continue using MONEYME for any future purchases for the simple reason of not having to deal with all the issues the big banks have with a purchase. Great work Eujin.
LeslieSept 26, 2025
Super fast and easy application.
Excellent Customers service, super fast and easy application with the response within hrs.
ConsumerSep 18, 2025
Approval was fast and even the car dealership was blown away.
Approval was fast and even the car dealership was blown away by the speed and ease of dealing with MONEYME. I had my new car in no time! Highly recommend!
NicholeSep 13, 2025
MONEYME is one of the best finance companies I've ever gone through.
MONEYME is one of the best finance companies I've ever gone through great people and what a fantastic service they provide. MONEYME definitely goes above and beyond to satisfy their customers, thank you so much I would highly recommend MONEYME to anyone Australia wide.
TrinitySep 10, 2025
Great rate and helpful people making this purchase smooth and easy.
A fantastic experience of getting the right finance for my new vehicle. No fuss, no problems, a fast and easy solution with a great rate and helpful people making this purchase smooth and easy.
ShazJuly 10, 2025
Very Happy!! MONEYME finance was so easy to work with.
They made the whole experience from start to finish stress free and simple for me to understand which was exactly what I needed. They were just so quick and efficient, the only waiting was with the car yard itself. I would use MONEYME again. I highly recommend them to anyone wanting quick approval at a great rate with fantastic service.
BrookeMay 23, 2025
Overall great experience.
Super quick approval and great interest rate. Money was in the bank within minutes of me accepting the offer. Overall great experience.
JodieMay 9, 2025
Very easy, seamless process.
Every part of the way i had ongoing communication and I knew where I was at every stage. I was able to sign all documents online. The contract was easy to read and understand. The app is very easy to navigate with a easy to find phone number if i ever need assistance.
KerrinMay 21, 2025
Quick and easy to apply.
Great interest compared to other loans. No hidden costs. Fast and efficient.
RenayMar 7, 2025
A fantastic experience for getting the right finance from my new vehicle.
No fuss, no problems a fast and easy solution with a great rate and helpful people making this purchase smooth and easy.
ShazJun 8, 2025
Easiest process.
MONEYME has been so easy to navigate the website and the app, always in contact every step of the application. They gave me a chance to get my family a new car. Great company, fair prices, 100%
JadeJan 13, 2025
Great for debt consolidation!
I have used MONEYME a few times as they are simple and efficient. Response time is super quick and the rates are competitive. I was on a crazy rate with a credit card company and used MONEYME to consolidate that debt and reduce my repayments.
ECJan 6, 2025
Professional fast service.
We had a wonderful experience with MONEYME, fast service and very professional, we will definitely be using them again!
BiancaJan 03, 2025
Will definitely be recommending MONEYME to friends and family!
Quick and efficient service, will definitely be recommending MONEYME to friends and family!
JackOct 15, 2025
Quick, easy and hassle free!
Quick, easy and hassle free! I was pleasantly surprised how easy the process was. Also being able to make extra repayments and payout the loan early without penalty, is a big bonus. Recommended!
LindaSep 27, 2025
Easy to deal with.
Easy to deal with and open about the odds and ends of the deal on the purchase. I will continue using MONEYME for any future purchases for the simple reason of not having to deal with all the issues the big banks have with a purchase. Great work Eujin.
LeslieSept 26, 2025
Super fast and easy application.
Excellent Customers service, super fast and easy application with the response within hrs.
ConsumerSep 18, 2025
Approval was fast and even the car dealership was blown away.
Approval was fast and even the car dealership was blown away by the speed and ease of dealing with MONEYME. I had my new car in no time! Highly recommend!
NicholeSep 13, 2025
MONEYME is one of the best finance companies I've ever gone through.
MONEYME is one of the best finance companies I've ever gone through great people and what a fantastic service they provide. MONEYME definitely goes above and beyond to satisfy their customers, thank you so much I would highly recommend MONEYME to anyone Australia wide.
TrinitySep 10, 2025
Great rate and helpful people making this purchase smooth and easy.
A fantastic experience of getting the right finance for my new vehicle. No fuss, no problems, a fast and easy solution with a great rate and helpful people making this purchase smooth and easy.
ShazJuly 10, 2025
Very Happy!! MONEYME finance was so easy to work with.
They made the whole experience from start to finish stress free and simple for me to understand which was exactly what I needed. They were just so quick and efficient, the only waiting was with the car yard itself. I would use MONEYME again. I highly recommend them to anyone wanting quick approval at a great rate with fantastic service.
BrookeMay 23, 2025
Overall great experience.
Super quick approval and great interest rate. Money was in the bank within minutes of me accepting the offer. Overall great experience.
JodieMay 9, 2025
Very easy, seamless process.
Every part of the way i had ongoing communication and I knew where I was at every stage. I was able to sign all documents online. The contract was easy to read and understand. The app is very easy to navigate with a easy to find phone number if i ever need assistance.
KerrinMay 21, 2025
Quick and easy to apply.
Great interest compared to other loans. No hidden costs. Fast and efficient.
RenayMar 7, 2025
A fantastic experience for getting the right finance from my new vehicle.
No fuss, no problems a fast and easy solution with a great rate and helpful people making this purchase smooth and easy.
ShazJun 8, 2025
Easiest process.
MONEYME has been so easy to navigate the website and the app, always in contact every step of the application. They gave me a chance to get my family a new car. Great company, fair prices, 100%
JadeJan 13, 2025
Great for debt consolidation!
I have used MONEYME a few times as they are simple and efficient. Response time is super quick and the rates are competitive. I was on a crazy rate with a credit card company and used MONEYME to consolidate that debt and reduce my repayments.
ECJan 6, 2025
Professional fast service.
We had a wonderful experience with MONEYME, fast service and very professional, we will definitely be using them again!
BiancaJan 03, 2025
What is a credit card?
A credit card is a versatile financial tool that empowers you to manage your money with flexibility and ease. Unlike debit cards, which draw funds directly from your bank account, credit cards provide access to a line of credit you can use for purchases, allowing you to pay later, often with the benefit of an interest-free credit card period
Credit cards offer practical advantages, from building your credit history to safeguarding your transactions with added security features. Many credit cards also come with perks such as rewards programs, travel benefits, and purchase protection, making them a smart choice for everyday expenses or larger investments.
Whether you're looking to finance urgent needs, explore virtual credit cards for modern convenience, or simply enjoy greater financial freedom, credit cards can enhance your spending power while keeping you in control.
Your digital card, ready to go
Once approved, your card is ready to use straight away. Simply add it to your mobile wallet.
Get access to your digital card with a credit limit up to $20,000 in around 60 minutes.⁴
Or select our express option during your application to access a $2,000 limit in as little as 5 minutes.⁴
Everything you need in one app
Apply in minutes and manage your account wherever and whenever you need it.
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
Supporting
World VisionWe sponsor a child on behalf of every Australian employee. All of these children live in the same community in Uganda, called Busakira.
Item 1 of 6
Frequently asked questions
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 18.74% p.a. to 23.74% 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 2026 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.