Get ready for the massive online sales events

Start shopping straight away with your virtual card and get $250 credit back* when you spend over $1,000. Enjoy up to 55 days interest-free on purchases with our Low Rate Freestyle Virtual Mastercard®

Low rate 16.99% p.a. & $250 back*

Add to your mobile wallet to use instantly & enjoy up to 55 days interest-free on purchases.

*$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.

*$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

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.

Our fees and charges

Limit

Up to $20,000⁵

Annual fee

Fee

Credit limit

Up to $3,000

$49

$3,001 to $5,000

$149

$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

4.8/5

Out of 1,329 reviews

Bruce

02/03/2021

Still amazed at how easy they made the process. Very impressed! After a week of stuffing around with the usual bank that I’ve been loyal to, I gave these guys a go and was offered a great rate. The money was received within 2 hours after I pressed go! Well done.

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.

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.

Get our lowest rate advertised
of 16.99% p.a. plus $250 back*.