Get a Freestyle virtual Mastercard® today

Start using your card in minutes, not days

Pay later with up to 55 days interest-free on purchases 6

Transfer money to friends
or your own bank account

Manage repayments, credit limits & more from theapp

Get credit back at over 1,400 participating stores when you pay with Freestyle


Minutes to apply, fast approval

Add your virtual card to

Shop or transfer your money
straight away

Our fees and charges


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

Interest-free period

Up to 55 days6

Interest rate

16.99% p.a.

*Other fees and charges may apply.

Download today

What our customers say
Virtual credit card


Out of 2,701 reviews

Ready to

Freestyle: like a virtual credit card, but better!

The Freestyle Virtual Credit Account works just like a credit card, except it sits on your phone rather than in your wallet. You can use it to Tap n Pay in-store and make payments online using the card details stored digitally in your MoneyMe account. With MoneyMe’s quick and easy online application, you’re guaranteed to get outcome faster than any bank can provide. And rather than waiting for your credit card to arrive in the mail after being approved, your virtual card is set up and available to use instantly, making it faster and more convenient than a credit card.

The fastest way to Tap n Pay

Freestyle’s instant card creation means that you can start using your virtual card to Tap n Pay from the moment you’re approved. Add your virtual card to the mobile wallet on your smartphone and hover it near the payment terminal to make a payment using Freestyle.

Whether it’s a cab, car, or cup of coffee, feel reassured knowing Freestyle can get you what you need, when and where you need it.

Shopping online is now easier than ever

TWe’ve all been here: you’ve added items to your online shopping cart and you’re ready to pay, but your credit card has gone walkabouts and you can’t seem to find it anywhere.

And now the shoes you want are out of stock. Great.

With Freestyle, your virtual card details are stored securely in your MoneyMe account. Simply copy and paste your card number, expiry date and CCV at checkout to make a card payment. If you’re shopping on a Freestyle partner’s website, it’s even faster and easier – just log in to your MoneyMe account to proceed with the payment. No more missing out on the things you love, thanks to Freestyle.

Money transfers in seconds

The Freestyle Virtual Credit Account uses the latest online banking technology, allowing you to send money to friends or your own bank account on-the-spot, regardless of which bank you’re transferring to. To make peer-to-peer transfers (coming soon), simply enter the mobile number of the person you’re sending money to. If you’re transferring to yourself, confirm the amount you want to transfer and tap to send the funds straight to your bank.

Apply for a virtual credit account

Get a Freestyle Virtual Credit Account today by clicking ‘Apply now’ below. The application process is entirely online, fast, and mobile-friendly, meaning you can apply anywhere, anytime. Simply complete the 3-minute online application to get an outcome in minutes. With a Freestyle Virtual Credit Account, you can do all the things you love, minus the hassle.

The New Generation of Virtual Credit Cards

A new, better way to access credit

Introducing Freestyle, the virtual credit card. It’s the latest innovation in credit cards that is stored virtually on your phone, and not in your wallet.

Learn more

A new, better way to access credit

Introducing Freestyle, the virtual credit card. It’s the latest innovation in credit cards that is stored virtually on your phone, and not in your wallet.

With Freestyle, you can use your line of credit up to $20,000 anytime, anywhere. Unlike conventional credit cards, Freestyle is entirely online and lives on your smartphones. Accessing your credit is now faster and easier, just the way it should be.

Here at MoneyMe, we do things straightforward and hassle-free. And as part of our commitment to be the credit provider of choice for Gen Now, we are giving you the freedom to access and manage your credit whenever you need it. Freestyle is designed to respond to this generation’s growing need for quick access and convenient solutions. In just a few taps, you can Tap N Pay, purchase in-store or online, and transfer funds to your bank account.

Easy Tap n Pay solution

Rather than asking you to load your credit card number and other details into payment apps, our virtual credit card type product takes a further leap by keeping everything online, including the card itself. Using Freestyle is easy and simple, but the possibilities are endless.

It’s much more convenient to keep all the important things in one secure accessible place. The things that used to be on your desks, such as phone books and calendars, are now stored in your phone. And with MoneyMe, it becomes possible for your credit card, too. The virtual credit card is accepted anywhere that accepts Mastercard online or via Tap n Pay in-store. Now, it’s one tap away when you need it to cover unexpected costs, or when you need to go on a holiday and book your travel. It’s one tap away when you need emergency cash-outs for car repairs, big utility bills or when you simply need easy money for your everyday, on-the-go needs.

Our virtual credit card provides you with the extra cash you need to enjoy your lifestyle. You can use it to Tap n Pay for your coffee on your way to work, book your next travel online when using miles is just not an option, or simply indulge on your favourite thigs. You can also use it for emergency expenses, or when you need to transfer cash to your bank account. Freestyle helps you stay on top of things, giving you credit right in the palm of your hands.

How to get a virtual credit card

The application for the virtual credit card is entirely online and just takes minutes to complete. Unlike mini loans, the Freestyle virtual credit card allows you to withdraw as you need it. Use it to transfer cash directly to your account or pay for big-ticket items and bills straight from your Freestyle app. You can count on it to keep your cash flow healthy and secure, so you’re always ready no matter what comes your way.

When you apply for a virtual credit card, you go through the same review process that our personal loans and other loans online customers do. Apart from your credit score, we take into account other factors to assess your eligibility for credit, such as your credit history, income, debit cards or debt obligations, and living expenses. As part of our approval process, we also assign you with a MoneyMe loan rating based on your credit report and history. And we offer fair and tailored rates to make sure you are comfortable with your repayments.

Each time you take out fast cash loans or same day loans and make your repayments on time, your MoneyMe loan rating may improve. We can re-evaluate your account and when it reflects positive repayment history, you may be able to get better loan terms and lower rates.

For your on-the-go lifestyle

The Freestyle Virtual Credit Card is available for up to $20,000 that you can use to fund your ideal lifestyle. Get a same-day outcome and just like express cash loans, you can use it for big and small life events. Use it to buy your groceries or pay the bond on a new rental property. Use it to pay for school supplies like university or college essentials. When you need access to fast, easy and simple credit funds, your Freestyle Virtual Credit Card is here to help you out.

Shop online or in-store, pay for your cab ride or go out with your friends. With MoneyMe’s Freestyle Virtual Credit Card, you have a steady and reliable line of credit whenever and wherever you need it.

Virtual credit card requirements

To qualify for a virtual credit card or any of the MoneyMe credit products, you have to be employed, above 18 years old and an Australian resident.

The application process is completely online, without any paperwork. We don’t like long queues, days of waiting and lengthy forms just like you. When you apply for credit with us, we verify your details by asking for your online bank statement. Through our secure portal we get access to them as read-only 90-day documents in PDF format. These snapshots, along with your personal, employment and spending details, are all we need to come up with a decision for your virtual credit card application. It’s fair, simple and straightforward.

Apply online, get an outcome within minutes and start using Freestyle instantly. Everything is fast and online – you can even sign your contract digitally. Getting access to funds has never been easier!

5 Applications are subject to eligibility criteria including credit approval. Other terms and conditions may apply. 6If not repaid after 55 days, interest rate of 16.99% p.a. will apply.