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.

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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.

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.