Low Rate Freestyle
Virtual Mastercard®
With up to 55 days interest-free and more.**
Get our lowest rate advertised of 16.99% p.a.
plus $250 back*. Add to your mobile wallet instantly & enjoy up to 55 days interest-free on purchases.
Low rate 16.99% p.a. & $250 back*
Add to your mobile wallet to use instantly & enjoy up to 55 days interest-free on purchases.
*$250 is credited back to your account when you spend a minimum AUD$1,000 on purchases using your Freestyle Virtual Mastercard®. Eligible for applications made from 01/09/2020 for a limited time only.
View full T&C’s here.
*$250 is credited back to your account when you spend a minimum AUD$1,000 on purchases using your Freestyle Virtual Mastercard®. Eligible for applications made from 01/09/2020 for a limited time only. View full T&C’s here.
As seen in
Award winning finance solution
Award winning finance solution
Ready to use credit limit
up to $20,000 in minutes**
With instant access to your virtual
Mastercard® via the MoneyMe app
Our low rate
of 16.99% p.a.
Get our lowest ever
advertised rate
Pay later with
interest-free
Enjoy up to 55 days interest-free
on purchases***
Transfer money
straight away
To your bank account,
to friends, to anyone
Where to use Freestyle?
Browse
Australia’s first
virtual credit account
Apply now. Get it now. Use it now. Download today.
How to get started
Create an account
Set up Freestyle in minutes via the MoneyMe App or get started here
Add to mobile wallet
Tap ‘Add to mobile wallet’ in the MoneyMe App and follow the prompts to activate Tap n Pay
Credit available 24/7
It’s that simple! Shop in-store & online or send money to your bank account straight away
Our fees and charges
Limit
Up to $20,000*
Annual fee
from $0
Monthly fee
$5
(waived if your balance is less than $20)
Interest-free period
up to 55 days**
Interest rate
16.99% p.a. 
Credit back
$250*
Other fees and charges may apply.
*$250 is credited back to your account when you spend a minimum AUD$1,000 on purchases using your Freestyle Virtual Mastercard®. Eligible for applications made from 01/09/2020 for a limited time only. View full T&C’s here.
What our customers say
Interest free
%
of customers
would recommend
MoneyMe to a friend
aphichit kingchan
1 review
Good service.
Like
Ami scott
1 review
Very quick, easy and great customer service.
Like
Christine
1 review
I was very pleased with the service. Thank you again.
Like
%
would recommend
MoneyMe to a friend
Ready to get started?
Up to $20,000
Low rate 16.99% p.a. & $250 back*
- Up to 55 days interest-free
- Fast approval in minutes
- Add to mobile wallet to use instantly
- Transfef credit to your bank or pay anyone
*$250 is credited back to your account when you spend a minimum AUD$1,000 on purchases using your Freestyle Virtual Mastercard®. Eligible for applications made from 01/09/2020 for a limited time only. View full T&C’s here.
Like a credit card, but better. And with interest-free
Freestyle is Australia’s first virtual credit account. It’s like a credit card, but it’s not plastic. And it doesn’t sit in your wallet. In fact, it doesn’t exist in physical form at all.
It’s a virtual credit account up to $20,000 with interest-free terms that gives you the ultimate freedom to pay your way. With the ability to Tap n Pay, shop online, transfer to anyone (coming soon) and send money to your bank account, AND with 0% interest on card purchases for up to 55 days, Freestyle is a smarter, faster and more convenient form of credit on the market.
You thought interest-free was great. Until you discovered Freestyle
Freestyle is more than a low rate credit card. Not only do you get interest-free payment terms, but with instant card creation, your Freestyle Virtual Credit Account is ready to use as soon as you’re approved. Add your virtual card to your mobile wallet to Tap n Pay in-store or make online payments anywhere in the world that accepts Mastercard. For an even smoother online checkout experience, simply use your MoneyMe login details to pay online at any retailer that is a Freestyle partner.
But that’s not all. With peer-to-peer transfers (coming soon), you can pay anyone, anywhere, on-the-spot. You can also send money straight to your bank account in just a few taps.
Interest rates tailored to you
At MoneyMe, you’re more than just a credit score
Our interest rates are determined by more than your credit history. We look favourably upon those who demonstrate positive repayment behaviour, and reward those who repay on time with low interest the next time they take out credit. We pride ourselves on our transparency, fairness and ability to offer you a low rate credit product that’s tailored specifically to your credit profile. You’ll only be charged interest on your outstanding balance after the interest-free period, so you’ll pay 0% interest if you repay before then.
How it works
Simply complete our easy online application by clicking “Apply now” below. Once approved, your Freestyle virtual card will be set up and ready to use instantly. Tap n Pay in-store or use the card details in your MoneyMe account to pay online with interest-free payment terms.
If you don’t pay off your balance in full after the interest-free period, don’t worry – our interest rates are at the lower end in the market for online credit. We’ll set you up with a payment plan that is aligned with your pay cycle so you can pay off your borrowed credit in a way that’s convenient for you. You can make payments or adjust your payment plan straight from your MoneyMe account – it’s as simple as that.
Ready to get started?
Up to $20,000
Low rate 16.99% p.a. & $250 back*
- Up to 55 days interest-free
- Fast approval in minutes
- Add to mobile wallet to use instantly
- Transfef credit to your bank or pay anyone
*$250 is credited back to your account when you spend a minimum AUD$1,000 on purchases using your Freestyle Virtual Mastercard®. Eligible for applications made from 01/09/2020 for a limited time only. View full T&C’s here.
Things you should know
For a line of credit:
Fees and charge
-
Interest rate 16.99%*
-
Credit limit approvals up to $20,000
-
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
*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 $15
This is payable each time your account is not up to date by the end of the last day of the month.
Example repayments
Based on a revolving line of credit of $20,000 over 3 years
-
Minimum interest rate of 16.99% p.a. (20.44% p.a. comparison rate^) with total cost of $3,460.19
Warning: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Get our lowest rate advertised
of 16.99% p.a.
plus $250 back*.
