Complete in minutes

Use your card instantly once approved.


Trusted by thousands of Australians

Trusted by thousands of Australians

Start using your
in minutes,
not days

Forget waiting a week for your card to arrive in the
mail, your virtual card is instantly available to use
once approved.

  • Features

    Fast online application with
    approvals in minutes

  • Features

    Choose a credit limit to suit your
    (from $1,000 to $20,000)

  • Features

    Get the app to access all features
    Apple Download Google Download

  • Features

    Use your virtual Mastercard® with
    Apple Pay Google Pay

Enjoy interest-
free terms

Pay later with up to 55 days
on purchases.

A rate from 14.99% p.a. to 19.99% p.a applies thereafter7

More ways to pay

We understand there’s more than one way to pay.
From buying a pair of shoes to paying back your
mates for dinner.

  • Tap n Pay Tap n Pay in-store

  • Shop Online Shop online with your card details

  • Transfer Money Transfer money to any bank
    account in seconds

More Ways to Pay More Ways to Pay

Get credit back with
MoneyMe Perks

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

Be in control

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
avoid paying extra fees.

Our fees and


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

Cash advance fee


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.

Our customers


Unbelievably easy finance when I needed it the most. A huge thank you from me and as a returning customer I know that I am getting a fair deal.

After 5 to 10 minutes of filling up my application, my loan has been approved and the money was in my bank account. I had a great experience that is why I'm giving them a 5-star rating. Excellent service. Thank you very much, MoneyMe.

Amazing through and through. MoneyMe helped me out when no one else would and they have been a delight to deal with. I 100% recommend their service. They're an absolute joy to deal with!

MoneyMe Freestyle


Review Stars Out of 2,701 reviews

View more

Awards and features

What are you
waiting for?
Get Freestylin'

Use your card instantly once approved!

Approvals typically in 90 minutes

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.

Interest-Free Credit Card

The MoneyMe Freestyle Mastercard® is a versatile interest-free credit card that lives in your phone instead of your wallet. This virtual credit card is ready to use upon approval, allowing you to use it for physical or online purchases right away. You can even use it to secure a cash advance if you need fast cash in between your pay cycles. 

Our online application process takes only a few minutes to complete, and you can get started with just your smartphone – no lengthy paperwork required. Apply today!

What are interest-free credit cards?

An interest-free credit card lets you spend money on credit and pay no interest for a specific period. It is an excellent financial tool for consumers who want to pay the closing balance in full every month to eliminate interest fees.

The MoneyMe Freestyle Mastercard® is accepted just about anywhere, whether you’re shopping at home or overseas. In addition, this card does not subject you to concurrent order limits, allowing you to purchase as many times as you want up to your credit limit. 

This interest-free credit card gives you instant access to a pre-approved credit limit that ranges from $1,000 to $20,000. You can use the credit again once you repay it in part or in full. It’s essentially a revolving credit line that gives you access to instant loans at your convenience.

MoneyMe is all about speed and accessibility. Our seamless application process can get approval within an hour, so you can start getting your finances in order right away. The same goes for our entire range of other variable rate personal loans!

What is credit card interest-free period?

A credit card interest-free period refers to a specific time frame when the interest on your credit purchases is waived if you pay the closing balance in full on or before the due date. It remains in effect as long as you pay your closing balance in full on or before the due date every month.

An interest-free credit card covers most of your everyday expenses, such as groceries, petrol, medical appointments, and retail shopping. However, there are certain transactions that are excluded from interest-free terms, including gambling, cash advances, and some bills.

How many days interest-free on credit card?

The MoneyMe Freestyle Mastercard® has an interest-free period of up to 55 days – significantly longer than the typical 42 days of popular buy now pay later alternatives. 

A common misconception regarding interest-free credit cards is that they provide the same interest-free period for every purchase. In reality, you can only get the full 55 days interest-free period if you make a purchase on the first day of your billing cycle. That means if you make a purchase on the second day of your billing, you are entitled to only 54 days interest-free.

A billing cycle typically begins on the first day of every month, but you can negotiate the terms with your lender to suit your preferences. Take a look at the table below to get an idea of how the interest-free period can vary depending on when you make a purchase:

If we consider the table above, you would only get the full 55-day interest-free period if you make a purchase on 1 June. If you make another purchase on 20 June, you would only get 35 interest-free days for that transaction. You would not have to pay interest for both these purchases unless you fail to pay them in full on or before 25 July. 

A full payment also entitles you to another period of interest-free days for the next billing cycle. You should always try to make big purchases at the start of the billing cycle, so you have as much flexibility to settle them on or before the due date. 

The MoneyMe Freestyle Mastercard® charges a meagre interest rate of 16.99% for purchases not repaid after the 55-day interest-free period. This rate also applies to cash advances, preventing any surprises when you get your billing statements! You can also check your repayment details directly from your smartphone dashboard so that you know exactly when and how much to pay.

Whether you are seeking an interest-free credit card for hefty one-time purchases or small daily expenses, the simplest way to avoid paying exorbitant fees every month is to pay the closing balance in full on or before the due date. 

MoneyMe lets you check the closing balance and due date at any time using your smartphone. You should also consider setting up reminders and notifications to ensure you never miss a due date. The minimum monthly repayment amount is directly debited from your bank account, but you must pay the closing balance in full if you want to renew your interest-free period for the next billing cycle.

MoneyMe does not charge early termination fees, so you can easily finalise your loan schedule with us. We also offer a host of other credit products and services that cater to the needs of modern consumers and businesses in Australia. Our proprietary loan rating system enables us to provide variable loan costs and conditions. That means you can be eligible for lower interest rates if you have a good credit report and history. Apply now to discover your MoneyMe loan rating and learn its benefits today!

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