Lower Rate Freestyle
Virtual Mastercard®
Get our lowest rate advertised of 16.99% p.a.
plus $250 credit back1. Add to your mobile wallet instantly & enjoy up to 55 days interest-free on purchases.
Lower rate 16.99% p.a. & credit $250 back1
Add to your mobile wallet to use instantly & enjoy up to 55 days interest-free on purchases.
1$250 is credited back to your account when you spend a minimum AUD$1,000 on purchases using your Freestyle Virtual Mastercard®. Eligible for applications made from 01/09/2020 for a limited time only.
View full T&C’s here.
1$250 is credited back to your account when you spend a minimum AUD$1,000 on purchases using your Freestyle Virtual Mastercard®. Eligible for applications made from 01/09/2020 for a limited time only. View full T&C’s here.
As seen in
Award winning finance solution
Award winning finance solution
Ready to use credit limit
up to $20,000 in minutes5
With instant access to your virtual
Mastercard® via the MoneyMe app
Our lower rate
of 16.99% p.a.
Get our lowest ever
advertised rate
Pay later with
interest-free
Enjoy up to 55 days interest-free
on purchases6
Transfer money
straight away
To your bank account,
to friends, to anyone
Where to use Freestyle?
Browse
Australia’s first
virtual credit account
Apply now. Get it now. Use it now. Download today.
How to get started
Create an account
Set up Freestyle in minutes via the MoneyMe App or get started here
Add to mobile wallet
Tap ‘Add to mobile wallet’ in the MoneyMe App and follow the prompts to activate Tap n Pay
Credit available 24/7
It’s that simple! Shop in-store & online or send money to your bank account straight away
Our fees and charges
Limit
Up to $20,0005
Annual fee
from $0 to $149
Based on credit limit
Monthly fee
$5
(waived if your balance is less than $20)
Interest-free period
up to 55 days6
Interest rate
16.99% p.a. 
Credit back
$2501
Other fees and charges may apply.
1$250 is credited back to your account when you spend a minimum AUD$1,000 on purchases using your Freestyle Virtual Mastercard®. Eligible for applications made from 01/09/2020 for a limited time only. View full T&C’s here.
What our customers say
%
would recommend
MoneyMe to a friend
of customers
would recommend
MoneyMe to a friend
%
would recommend
MoneyMe to a friend
Ready to get started?
Up to $20,000
Lower rate 16.99% p.a. & $250 credit back1
- Up to 55 days interest-free
- Fast approval in minutes
- Add to mobile wallet to use instantly
- Transfer credit to friends, family or
your bank account
1$250 is credited back to your account when you spend a minimum AUD$1,000 on purchases using your Freestyle Virtual Mastercard®. Eligible for applications made from 01/09/2020 for a limited time only. View full T&C’s here.
Things you should know
For a line of credit:
Fees and charges
-
Interest rate 16.99%3
-
Credit limit approvals up to $20,000
-
Minimum withdrawal amount is $100
-
Monthly account fee of $9
Only applies if outstanding balance is over $20
-
Annual fee from $0 to $149
Based on your credit limit and rating
3This 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 $15
This is payable each time your account is not up to date by the end of the last day of the month.
Example repayments
Based on a revolving line of credit of $20,000 over 2 years
-
Minimum interest rate of 16.99% p.a. (26.66% p.a. comparison rate4) with total cost of $6,421.40
-
Maximum interest rate of 25.99% p.a. (40.73% p.a. comparison rate4) with total cost of $6,880.34
4 Warning: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates.
Get our lowest rate advertised
of 16.99% p.a.
plus $250 credit back*.
