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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

What are you
waiting for?
Get Freestyle

Use your card instantly once approved!

Typically around 90 minutes

Things you should
know for a line of

Fees and charges

  • from 18.74% p.a. to 23.74% p.a.4
  • Credit limit approvals up to $5,000
  • Minimum withdrawal amount is $100
  • Monthly account fee of $5 Only applies if outstanding balance is over $20
  • Annual fee from $0 to $149 Based on your credit limit and rating
  • Cash advance fee of 1.5%

4 This interest rate is based on the Annual Percentage Rate (APR). Our APR is calculated daily by applying the daily APR and charged in arrears on the outstanding balance of your loan to the date your payment is due.

Other fees that may apply

  • Dishonour fee of $15 This is payable each time a direct debit is dishonoured on your commitment to make a loan repayment is not met.
  • Overdue account fee of $35 Payable when the repayment is 7 days overdue, and again every 14 days thereafter, until arrears are cleared or a cap of $210 is reached.

Example repayments

Based on a revolving line of credit of $5,000 over 5 years

  • Minimum interest rate of 18.74% p.a. (25.38% p.a. comparison rate5) with total cost of $5,713.78
  • Maximum interest rate of 23.74% p.a. (30.37% p.a. comparison rate5) with total cost of $5,860.02

5 Warning: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates.