Complete in minutes

Use your card instantly once approved.

Credit Card Sign Up Bonus

Trusted by thousands of Australians

Trusted by thousands of Australians

Start using your
card
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
    needs
    (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 low rates
with
interest-
free terms

Pay later with up to 55 days
interest-free6
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 charges

Limit

Up to $20,0005

Annual fee

Fee

Credit limit

$0

Up to $3,000

$49

$3,001 to $5,000

$149

$5,001 to $20,000

Monthly fee

$0

Balance under $20

$5

Balance over $20

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
LOVE us

Credit Card Sign Up Bonus

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

4.7/5

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!

Typically around 90 minutes

Credit Card Sign Up Bonus

For anyone looking for a great credit card deal, you can’t go past the Freestyle virtual credit card. While you’re searching for a credit card sign up bonus or other hot offers, ensure you take some time to review our low rate and low fee offer with the flexible Freestyle account, made for tech-savvy credit customers just like you. Applications take you just minutes to complete and submit – and it all happens online.

Learn more

For anyone looking for a great credit card deal, you can’t go past the Freestyle virtual credit card. While you’re searching for a credit card sign up bonus or other hot offers, ensure you take some time to review our low rate and low fee offer with the flexible Freestyle account, made for tech-savvy credit customers just like you. Applications take you just minutes to complete and submit – and it all happens online.

When you choose MoneyMe and either our suite of personal loans or our fast approval credit card, you’re choosing the tech-savvy money lender who has tailored both their credit card application online and their low doc personal loan application to people just like you.

What is a sign up bonus on a credit card?

A credit card sign up bonus is usually a promotional item a credit provider will offer for new customers who sign up for either their line of credit option or their personal loans. If you’re hunting for a new credit card – or you are brand new to the credit market – then doing your homework can help you to find great deals offered by Australian money lenders that not only instantly reward you for choosing credit but also help to save you money over the longer term.

A sign up bonus is normally an introductory offer so if you’re considering a money lender who’s offering a great looking promotion then consider carefully how long that promotion lasts, what it offers you compared to long term use of their credit products and what kind of money you’ll save (if any). Taking advantage of introductory offers is great but to ensure you’re getting bang for your buck, take a look at the terms and conditions carefully once the bonus period has ended. 

Things to consider for long term use of a new credit product include any interest-free periods your new credit provider has to offer, what the monthly and annual fees are and whether you can save on fees, what kind of application process they are offering and how quickly you can get access to your new funds.

We specialise in offering fast cash and easy finance options at the click of a button. As a wholly online lender, we don’t have a physical branch office and we have harnessed the power of the internet to produce a fast, easy and intuitive application and credit management process. Our application form takes you just minutes to complete and submit, all online. We likely won’t even need to call you and we definitely won’t need to confirm your working arrangement with your employer. Instead, when you have completed our online application form you’ll be directed to a screen that asks you to input your online banking credentials. Don’t panic when you get to this screen because it doesn’t actually give your personal loan broker or our assessment team access to your online bank platform. We don’t even get your login details. Instead, we get a PDF format (read only) 90 day bank statement showing your most recent transactions. We use this to verify things like your living expenses, your salary and any other repayments that you’re currently making. It’s this fast and intuitive application process that allows us to offer instant approval credit cards and same day loans.

When we have verified your details (which typically takes about an hour when you apply during our business hours) we send you a credit offer. This will be for either our Freestyle online credit card or for any of our easy loans that you have applied for. Everything you need to know about your new credit product is included so you can check things like your interest rate, how many repayments you need to make, what your credit limit or approved personal loan balance is and any fees and charges associated with your chosen product.

When you choose the Freestyle Mastercard from MoneyMe you receive low annual and monthly rates, low interest rates and up to 55 days interest-free. This isn’t just a credit card sign up bonus, this is for keeps. Your monthly fees, for example, can be waived entirely if your credit balance is below $20 at the end of the month. When it comes to interest-free buying, you’re covered there too. Most popular buy now and pay later options advertise 4 interest-free fortnightly repayments. When you break this down it equates to 42 days interest-free and you’re limited to which shops will accept their program, how much you can spend and how many concurrent purchases you have at any one time.

Freestyle is different. Not only do you get an additional 13 days of interest-free time in which to repay your purchase amount, but our credit card is also powered by Mastercard which means it is accepted nearly everywhere. There are no minimum purchase amounts either. When you repay your purchases within this period you are essentially using an interest-free credit card.

How do I get a credit card signup bonus?

Getting access to a special credit card sign up bonus is usually taken care of once you’re approved for your chosen credit product. Credit providers will apply your discount, your special rate or your cash back offer at the time of you signing up. To make sure you’re getting the best deal, check your credit contract when it arrives first and contact your new credit provider if anything seems unclear.

MoneyMe offers instant credit card approval and we’re not a needy money lender and most of our communication will come to via email or text. If you need to clarify anything you have seen on our website, then you can live chat with an agent directly through our website or you can call or email us. Our business hours are 8 am to 9 am Monday to Friday and 9 am to 9 pm Saturday to Sunday. You can call us directly on 1300 669 059.

How can I spend my credit card bonus?

If your credit card sign up bonus comes in the form of a cash back offer then this is usually reserved for spending at a variety of specially chosen stores. This will be credited back to your account for you to use when you need to. You should receive the full terms and conditions of your sign up bonus when you receive your credit contract. At MoneyMe we want to ensure that our customers get the right information as easily as possible so everything you need to know about our special offers, our regular charges and fees and anything else relating to our credit products is available to view on our website in plain speaking language. 

Ready to get started? Apply online now for the Freestyle Mastercard or any of our instant loans via our website. Applications take only a matter of minutes to complete and submit and approvals are usually instant. Once approved and everything has been signed, your Freestyle account is instantly available. If you’re applying for any our quick cash loans then you could have the funds you need the very same day you apply for them, depending on who you bank with.

Don’t delay apply now with MoneyMe to see how much you could be approved for today.

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