Freestyle
Credit Card
Use your card instantly once approved.
Award winning lender
Winner of Canstar's Innovation
Excellence Award 2022*
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
Get money back
when you shop with
Get up to 40% back when you shop online at
over 2,000 stores through MONEYME Perks.
Unlike other rewards programs that can take
months to pay you, you’ll get money back in your
account in days!
Here's how it works
Here's how it works
-
Head to MONEYME Perks in the app to
browse offers from over 2,000 stores. -
Shop online and check out with your
Freestyle card details in one click. -
We pay out your rewards within 48
hours or as soon as the transaction
clears. Yes, it’s that fast. -
You get money back into your Freestyle
account automatically.
A card that
works for you,
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
Limit
Up to $5,0005
Annual fee
Fee
Credit limit
$0
Up to $3,000
$49
$3,001 to $5,000
Monthly fee
$0
Balance under $20
$5
Balance over $20
Cash advance fee
1.5%
Interest-free period
Up to 55 days6
Interest rate
A rate from 18.24% p.a. to 23.24% p.a. (based on your credit score) applies thereafter7
*Other fees and charges may apply.
Our customers
LOVE us
Fast, fair and easy.
Very happy customer. Happy to get another loan in the future from MONEYME.
Jayceenemo Aug 09, 2023
Simple process
Easy to follow application, quick response time and good support.
BGC Jun 13, 2023
Very happy with their customer service.
I was impressed with how easy and quick the application was. Very happy with their customer service, and the app is very convenient.
Brad May 31, 2023
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
credit:
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%
3 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
4 Warning: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates.
