Showing results for

Online application

Credit Card

A credit card designed for today. 100% digital, up to
55 days interest free, and with zero fee options.

Won’t impact your credit score!
Won't impact your credit score!

An award-winning experience

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

A card that
works for
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.

Flexible options


Up to $5,0001

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 days2

Interest rate

A rate from 18.24% p.a. to 23.24% p.a. (based on your credit score) applies thereafter3

*Other fees and charges may apply.

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.

Our customers

Online application

What are you
waiting for?
Get Freestyle

Use your card instantly once approved!

Typically around 90 minutes

What do I need to apply?

In order to apply for a Freestyle Virtual Credit Account, you must be Australian resident, 18 years or older and currently employed.

The Freestyle online application is super convenient, much quicker and easier than applying for a credit card. Unlike a credit card application, where you’d fill out lengthy forms and provide documentation, all you need to do to apply for Freestyle is enter your personal details, employment information, income and expenses before electronically submitting your bank statements.

We use the trusted Illion Open Data Solutions technology to securely retrieve your bank statements online, allowing us to process your application faster than any bank (don’t worry, we only get a PDF copy of the last 90 days!). The entire process is paperless and hassle-free – meaning we’re able to get you an outcome in just a matter of minutes.

Credit Card Apply Online

Looking for a great rate credit card? Apply online with MoneyMe today. We offer customers fast online approvals and competitive interest rates for both personal loans and our Freestyle virtual Mastercard® that works just like any other credit card with the bonus of not taking up any room in your wallet. Your Freestyle card lives in your smartphone—the one thing you’re never going to leave home without.

As a wholly online money lender, we strive to offer our customers the latest and best in technology which includes the easiest credit card application

online that we can make. We use the power of the internet to process our completely online application forms quickly and easily. There is no lengthy paperwork to worry about and no annoying phone conversations, just quick loans processed fast. We don’t even have a physical office. The savings we make, we pass on to our customers, including saving valuable time and energy with a fast approval credit card option you can apply for right now.

How to apply for a credit card online?

To be eligible for any credit card you will need to have a good credit rating, be at least 18 years old and currently employed. You need to be an Australian resident as well to qualify.

When it comes to credit checks, we understand if your credit rating isn’t as good as it could be. Life sometimes happens or you may be too young to have a solid credit file just yet. MoneyMe doesn’t work as a lot of other credit providers. We have our own in-house credit rating system we use in conjunction with your standard credit file. You can boost your rating with us by taking out small loans or short term loans first.

This helps to build a solid history with MoneyMe as a reliable and trustworthy credit customer. For every personal loan that you successfully repay within the loan term, your credit rating at MoneyMe improves helping you access better interest rates and lower fees for future credit products with us.

Is it safe to apply for a credit card online?

MoneyMe uses bank-level encryption to keep your details safe. When submitting bank statements online, we use illion’s trusted and secure technology that provides read-only access to a 90-day snapshot in PDF

How to get approved for a credit card online?

The best way to ensure that you are approved for a credit card application is to be completely honest on your credit application. Double-check our lending criteria to ensure that you meet everything on our list before applying:

  • 18 years of age or older
  • Currently employed
  • Permanent resident in Australia

Personal Loans are running hot!

55 people in the last 24 hours have applied

Freestyle is running hot!

55 people in the last 24 hours have applied

Debt Consolidation is running hot!

55 people in the last 24 hours have applied