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$500 eGift cards!

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Online application

Credit Card

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

Start using your card in minutes, not days  

Freestyle is ready to use straight away, once approved.

Apply online
in minutes

Choose a credit limit
from $1,000 - $5,000

Add your card to
your mobile wallet

Ready to use
straight away

Interest free days
zero fee options

Enjoy more flexibility with up to 55 days interest free
on everyday purchases. 


% p.a.

up to


% p.a.
Standard interest rate applies
after interest free period2

Annual fee 

$0Credit limit up to $3,000

$49From $3,001 to $5,0003

Monthly fee

$0Balance under $20

$5Balance over $20

Cash advance fee

1.5%On ATM withdrawals

How to apply

1Apply in minutes

Apply for a Freestyle Credit Card online or via the
MONEYME app. Keep your driver’s licence ready
to verify your account.  

2Choose a credit limit

Get your credit offer and choose a credit limit from
$1,000-$5,000 to suit your needs. 

3Add to your mobile wallet

Activate your Freestyle Credit Card to start spending
immediately, once approved.  

Must be Australian citizen, New Zealand citizen or permanent resident

Earn more than $30,000 p.a. from employment

Must at least be 18 years old

Bank-grade security

‘Read only' access to accounts

256-bit data encryption

Like any credit card, just 100% plastic free

Use your Freestyle card to Tap ’n Pay or shop online anywhere Mastercard is accepted. 


Everything you
need in one app

Apply in minutes and manage your account
wherever and whenever you need it.

Choose a lender
with purpose

Our philosophy? Doing good while

Explore our impact
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What our customers say

Average rating: 4.6, based on 3400 reviews
Legal Seafood MoneyMe Financial Group Pty Ltd AUD 1300 090 949 media@moneyme.com.au xx
Level 7, 352 Hunter Street Sydney NSW AU 2000
4.6 review rating
Online application

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

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