Get $250* back

Sign up for a Freestyle Virtual Card and get up to
back when you shop in-store or online

For approved applicants only. Eligibility, fees and charges and T&C’s apply.
Click HERE for $250 offer T&C's.

Trusted by thousands of Australians

Trusted by thousands of Australians


Get started, from any device
with a fast online application
which takes just minutes.


Grab yourself some gear from Surf
Dive'n Ski… just don’t forget to use
your Freestyle card!


Every time you order, we’ll credit this
back to your Freestyle account - up
to the value of $250.

What is a Freestyle
virtual card?

It’s the virtual credit card you can access straight
from your phone

  • Features

    Use your card from your phone
    instantly once approved

  • Features

    Pay later with up to 55-days interest free6

  • Features

    Transfer money to any bank account

  • Features

    Get up to 20% back on purchases with
    Perks, powered by Cashrewards™

  • Features

    No annual fees for limits under $3,000

Get Freestyle in a few
simple steps

  • Features

    Submit basic details

    Includes: Personal, Employment, Income & Expenses

  • Features

    Verify income

    Via our secure online portal

  • Features

    Fast approval

    Typically takes around 60 mins

  • Features

    Download the MONEYME app,
    access your virtual card

    Add to mobile wallet and start shopping


  • 18+ years

  • Employed

  • Earns more than $45,000 per year

  • Australian resident or citizen

  • No major defaults or bankruptcy

Our fees and


Up to $5,0005

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 days6

Interest rate

A rate from 18.74% p.a. to 23.74% p.a. (based on your credit score) applies thereafter7

*Other fees and charges may apply.

Get money back with
MoneyMe Perks

Get up to 20% back when you shop at over 2,000
participating stores with your Freestyle Virtual Card, with
money back in your account within days.

What are you
waiting for?
Get Freestylin'

Use your card instantly once approved!

Approvals typically in 90 minutes

*SurfDiveSki $250 credit back promo terms and conditions (T&Cs): The SurfDiveSki $250 credit back offer (Offer) is provided by MONEYME Financial Group Pty Limited ACN 163 691 236 Australian Credit Licence 442218 (we/us/our). The Offer is only available to new Freestyle Virtual Credit Account (Account) applicants, for applications received between 17/10/2022 and 14/11/2022. If you redeem any part of the $250 credit back and then close your account within the first 6 months after opening it, MONEYME may charge an account closure fee of $150. Applications will be subject to our usual credit assessment and approval process. The Offer is available when you apply and are approved for a new Account and spend up to $250 on eligible purchases at SurfDiveSki within 30 days of Account approval. Eligible purchases include payments for products and/or services in-store or online at SurfDiveSki only. The Account may not be used for reoccurring payments or memberships. The credit back will be paid to your Account within 2 business days of spending on eligible purchases. Any amounts spent, but subsequently refunded, will not count as an eligible purchase. You must have an active Freestyle Account to which the credit back can be deposited. You are not eligible to receive the credit back if your Account is closed or in default prior to the credit back being credited to your Account. The credit back will not contribute to any minimum payment applicable to your Account. The Offer is not available in conjunction with any other MONEYME offer and is only available to new Freestyle customers and is limited to a maximum of $250 credit back per customer. You cannot transfer or assign your right to the credit back to any other person, and we accept no responsibility for any tax implications that may arise from the Offer. We reserve the right to, at any time, withdraw or extend the Offer or otherwise vary these T&Cs. Participation in the Offer is deemed acceptance of these T&Cs.

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