A credit card designed for today. 100% digital, up to 55 days
interest free, and with zero fee options.
Freestyle is ready to use straight away, once approved.
Enjoy more flexibility with up to 55 days interest free
on everyday purchases.
*Other fees and
up to
Apply for a Freestyle Credit Card online or via the
MONEYME app. Keep your driver’s licence ready
to verify your account.
Get your credit offer and choose a credit limit from
$1,000-$5,000 to suit your needs.
Activate your Freestyle Credit Card to start spending
immediately, once approved.
Must be Australian citizen, New Zealand citizen or permanent resident
Earn more than $30,000 p.a. from employment
Must at least be 18 years old
Bank-grade security
‘Read only' access to accounts
256-bit data encryption
Use your Freestyle card to Tap ’n Pay or shop online anywhere Mastercard is accepted.
Apply in minutes and manage your account
wherever and whenever you need it.
Reducing our environmental footprint to support Australia's path to Net Zero.
We walk with First Nations peoples toward reconciliation.
Making sustainable choices more affordable for our customers.
And the experience was nothing short of outstanding.
The team at MONEYME have been amazing to deal with. Super fast and helpful service & I love how easy the app is to use. 10/10 from me.
Professional and friendly people to deal with. Absolutely great dealing with MONEYME!
Terrific service and almost too easy, great communication, the timing was prompt and the App very handy.. thank you.
The app is fantastic, I like being able to see exactly where I’m at
Great customer service and quick and easy response. There were no extra cost and very happy with the rate I received.
I have had no problems at all everything was done to my satisfaction at a fast and prompt manner.
Loan was sorted quickly and with little fuss. Will use again in the future.
Efficient and Great. Fast approval with a reasonable repayment plan. Can’t ask for much more than that.
Easy to deal with very comparative I will recommend this company and I will definitely use them again and again and again .
Was a stress free application and approval received within hours. Experience was awesome, kept me in the loop when required.
Was a stress free application and approval received within hours. Experience was awesome, kept me in the loop when required. 💚
It's all about the service that is provided for the customer. Would recommend to others
MONEME were a dream to deal with, super tech, super fast and super easy! I wished I had found them sooner.
I’d gladly recommend
MONEYME has been a great help and they assisted me with all my queries.
No Fuss and easy to apply. No problems at all. Straight forward. They took all the worries and before I knew it had my loan sorted. Just great.
Easy to do business with. It was a really easy process and I would highly recommend them.
Done an amazing job, very quick and very reliable. I would recommend MONEYME to everyone. Thank you
It's all about the service that is provided for the customer. Would recommend to others
Freestyle is an instant digital credit account up to $5,000 that exists solely in digital format. Gone are the days waiting for your credit to arrive in the mail - with Freestyle, you can start using credit instantly once approved.
Add your Freestyle card to your mobile wallet to Tap n Pay in-store or use the card details in yor MONEYME account to make online purchases.
You can also make peer-to-peer transfers (coming soon) and send money to your bank account in just a few taps. Plus, Freestyle offers up to 55 days interest-free on purchases. With all of these cool features and more, Freestyle is the better way to access credit.
When you apply for a Freestyle Credit Card, you'll generally get a decision. Once approved, we'll set you up with a virtual card so you can start making purchases straight away, in- store and online. If you transfer money from your line of credit to your bank, this can take anywhere from a few minutes up to 1 business day, depending on who you bank with.
Freestyle Credit Credit Accounts range from $1,000 to $5,000, depending on your credit profile and history.
You're able to decrease or request an increase for the limit on your line of credit, which is subject to our assessment and suitability. We'll automatically set you up with a payment schedule with variable amounts aligned to your pay cycle.
We'll remind you before we take payments to ensure you have the funds in your account (and to prevent any accidental missed payment fees!). Plus, you can get up to 55 days interest-free on purchases. To view our costs, visit our Costs page.
A credit card lets you borrow money from a bank or other lenders and use it for transactions and purchases without paying in cash. Also known as a revolving line of credit, with a credit card you are given a specific amount of funds or a credit limit that you can use anytime.
Just like how it is with loans or debts, you also have repayments in credit cards. The fees and charges will depend on which type of credit card you are applying for.
Different types of credit cards are designed for different financial needs, spending habits and repayment preferences. Find out which type suits you:
As there are different types of credit cards, consumers apply for a credit card for various reasons as well. For starters, people may get a credit card because they prefer the safety of cashless payments over carrying a huge amount of hard cash for transactions. It also allows consumers to delay a large payment and settle it into smaller repayments.
You may use your credit card to get rebates for one-time big transactions or small, regular purchases. If your credit card is new, you may be given an initial bonus for spending a certain amount and use the cashback for future purchases. Some other common uses of credit cards are to earn rewards points and frequent-flyer miles.
With the Freestyle Virtual Mastercard®, you enjoy up to 55 days interest-free on all purchases as long as you repay your balance in full on a fortnightly or monthly basis. Your interest-free period is based on the eligibility criteria, and other fees and charges may still apply.
Visa and Mastercard do not issue credit cards or determine the associated fees and charges like banks and other financial services do. They are the digital payment platforms that provide the system that makes a transaction possible.
One difference between the two is the perks and benefit programs they offer. The other one is exclusivity: some banks and financial institutions arrange only one payment platform—either Visa or Mastercard—for all the cards they are issuing.
In order to apply for a Freestyle Virtual Mastercard, you will need to be at least 18 years old, an Australian citizen or a resident, and have a regular source of income.
Here at MONEYME, we see the whole picture when a customer applies for a credit card. Your credit score may be one of the most important factors, but we also consider your income, financial commitments and general living expenses to come up with a fair decision.
You can apply for a credit card online, over the phone or by visiting the physical branch of your prospective lender. As our process is entirely online with no face-to-face interactions, if you would like to apply for a Freestyle card you may click here—the application process is streamlined and only takes a few minutes. You may also apply via the MONEYME app available on App Store and Google Play.
You can manage your Freestyle account via the Member’s Area or by simply logging in to the MONEYME app. With 24/7 access to your account, you may view your transaction history, manage your credit limit, check your account status, and more.
Yes. Apart from transferring funds to your personal bank account, Freestyle comes with a pay anyone feature that lets you send money straight to your friend’s or anyone’s account.
A credit limit is the amount that your lender will let you borrow. Banks and online lenders like MONEYME determine your credit limit on various factors such as your income, financial commitments and living expenses.
Banks and other credit card companies determine a consumer’s credit limit based on their ability to repay their credit limit. To arrive at a fair and accurate decision, lenders will have to assess your credit history and credit score. Aside from these, you need to provide your annual or monthly income, employment status and credit rating as measures to your creditworthiness and how likely you are going to complete your repayments.
This means that there’s a high probability of getting a higher credit limit and lower interest rates the higher your annual income and credit score is. On the other hand, lenders may less likely approve your credit card application if you have an average or below-average income and credit score.
Just like when applying for a credit card, you have to meet your lender’s eligibility criteria for your request for a credit limit increase to be approved. First, you must have a good repayment history on your credit card. You should also be able to make repayments on time and you shouldn’t be exceeding your current credit limit.
A late payment fee is charged to your account if you fail to pay the minimum repayment amount stated in your agreement. If not paid by the due date, the charge may range from $0 to $35, depending on your card provider.
Yes, you can pay off your credit card balance earlier without any early exit fees.
The Freestyle Virtual Mastercard® is nothing like the traditional plastic card issued by banks. Rather than having to keep in your wallet, Freestyle is digitally stored in your phone. If your device has been lost or stolen, you may notify us immediately on 1300 684 893 so we can suspend or cancel your card.
At MONEYME, we charge 2.99% foreign exchange rate plus the prevailing Mastercard exchange rate at the time you use the Freestyle card.
If you have a concern or simply not satisfied with our service or ability to resolve your issue, you may send us a complaint via complaints@MONEYME.com.au or call us on 1300 684 893. We will review your complaint within 1 day and try to resolve it within the next business days.
Take advantage of the best deals online with your Freestyle Credit Card Account.
Freestyle can be used anywhere that offers Mastercard to make a credit card payment. Simply log in to your MONEYME account and tap your virtual card to reveal your card number, expiry date and CCV for online purchases.
Whether you’re splitting the dinner bill with friends or paying a colleague back for lunch, with a Freestyle Credit Card Account you can make peer-to-peer transfers (coming soon), straight from your mobile. All you need to do is punch in the mobile number of the person you’re sending money to and our tech does the rest to ensure they receive the payment. It’s as simple as that!
Plus, you can send money straight to your bank account in just a few taps by confirming the amount you wish to transfer. No questions asked.
To be eligible for a Freestyle Credit Card Account you must be living in Australia, employed and 18 years or older. To apply in minutes, simply click ‘Apply now’ below and complete our easy online application. Once approved, your Freestyle Credit Card will be set up and ready to use instantly – it’s that fast.
MONEYME offers customers fast online approvals and competitive interest rates for personal loans and our Freestyle Virtual Credit Account, which is like a Virtual Credit Card. More than a credit card, Freestyle is like a virtual credit card offering up to $5,000 that you can use to Tap n Pay, shop online and send money to anyone. Say bye to plastic: if you’re looking for a virtual credit card, Freestyle lives on the most important piece of hardware in your life – your smartphone.
MONEYME offers customers fast online approvals and competitive interest rates for personal loans and our Freestyle Virtual Credit Account, which is like a Virtual Credit Card. More than a credit card, Freestyle is like a virtual credit card offering up to $5,000 that you can use to Tap n Pay, shop online and send money to anyone. Say bye to plastic: if you’re looking for a virtual credit card, Freestyle lives on the most important piece of hardware in your life – your smartphone.
As the go-to money lender for Gen Now, we use the best in financial technology to process our completely online application forms quickly and easily. No lengthy paperwork or being stuck on hold for an hour. Just quick loans processed fast. We don’t even have a physical branch! MONEYME is the credit provider who offers you lightning fast access to more than credit cards and personal loans of up to $50,000, all from your mobile.
A credit card is a card offered by credit providers that gives you ongoing access to funds up to a limit. You may have heard of brands like Mastercard and American Express. You receive a plastic bank card that you can use to pay in store and for shopping online. You purchase whatever you want to purchase with it and repay the balance of your credit card to your credit provider over time.
The funds on your credit card are offered at a percentage rate of interest. These rates vary between providers, as do interest free terms. MONEYME offers Freestyle customers up to 55 days interest free on purchases, just like any other credit card. Freestyle also works just like any other credit card. However, unlike traditional, environmentally unfriendly plastic credit cards, it lives virtually on your phone. For virtual credit cards, you can use your phone to Tap n Pay in store and your credit card details to shop online or pay bills.
Credit cards are a revolving line of credit. When you successfully apply for and receive a credit card then you can use the funds on that account up to the limit you have been approved for. Once you repay the outstanding balance, those funds become available to use again. On the other hand, a personal loan offers you a lump sum amount, usually debited directly into your account, and that balance is repayable each month with a fixed monthly payment.
You can use our personal loan calculator to compare the costs of taking out a quick loan versus a credit card. Our personal loan repayment calculator will give you an idea of your monthly budget when you’re repaying one of our easy loans by incorporating personal loan interest rates directly into the monthly repayment and showing you a breakdown of principal loan repayments and interest paid. Remember, though, that cash loans are paid to you in full and are not revolving lines of credit. Once you have repaid part of the loan you will not be able to redraw on that loan amount in the same way that you can with a credit card.
To be eligible for a credit card you will need to have a good credit rating, be at least 18 years old and be currently employed. In addition to this credit card criteria, to be eligible for MONEYME Freestyle you need to be an Australian resident as well.
When it comes to credit checks, we understand if your credit rating isn’t as good as it could be. Life happens, or you may be too young to have a solid credit history. MONEYME is slightly different to a lot of other credit providers in that we have our own in-house credit rating system that is considered alongside your standard credit file. Taking out small personal loans or short term loans can show us how reliable and trustworthy you are as a credit customer and may boost your MONEYME rating. For every unsecured personal loan you successfully repay within the personal loan repayment terms, your credit rating at MONEYME can improve.
What does that mean for you as our credit customer? Well, we like offering rewards to good customers. On your next application for small loans or larger unsecured loans like our boat loan and car loan options, we may offer you lower fees, a more competitive interest rate and possibly higher credit funds to draw from.
Interest on a credit card like a Visa card is charged at an annual rate which is calculated and charged monthly to your credit card balance. If the interest on a credit card is 10% p.a then interest on a balance of $2000 will be charged monthly on pro rata of that 10% p.a. To calculate exactly how much interest you will pay each month, convert the annual interest rate into a decimal format by dividing by 100. Divide that decimal by 12 (representing the months in a year) and then multiply that by your balance (in this case $2000). Convert the monthly charge back into a percentage by multiplying it by 100. For a $2000 balance on your credit card, you will be charged 0.83% per month or $16.60.
The higher the balance on your credit card, the more the interest fees will be each month. Using our 55 day interest free terms means that, like a credit card, if you repay the outstanding balance within our interest free period, then you’re not charged any interest on the credit funds at all. Like a credit card, you can use Freestyle throughout the month for all of your expenses – from groceries and petrol to concert tickets and flights – and repay the balance of your monthly expenses in full before the due date so you won’t be charged any interest on funds that you have used.
If you’d rather not repay the balance in full then there will be a minimum monthly repayment required similar to minimum monthly repayments charged on our same day loans. The repayment that you make, however, is then automatically more credit funds you can draw on your credit card in the future. Our express loans are different. Even if you make additional payments on our cash loans online, that does not mean you have credit funds to draw on again.
We don’t charge early pay out fees on our loans so if you do have one MONEYME’s personal loans Australia and you’d rather switch to a credit card with a revolving line of credit, then you can pay out your balance on your same day cash loan and then apply for Freestyle if you’re looking for a credit card option.
If you’re applying for a credit card, then first thing you’ll want to know is how much can I borrow? This will be your upper most credit limit allowable and it will be determined by your current debt, your living expenses and your income. We believe in responsible lending so we will only approve applicants for a credit balance we believe they can comfortably repay. This commitment to our customers means that we can tailor your credit approval to your needs.
You can use your credit for nearly everything you need to purchase or pay for. For some credit cards you can opt for a balance transfer which takes credit funds you own on another credit card and puts them towards your new credit balance. For example, if you have a credit card balance with one credit provider then you can apply for a higher limit to another provider and transfer the balance you currently owe to your new higher limit credit card offer you some additional funds and consolidating your debt to one account.
Credit cards can be used to cover everyday expenses, helping you to set realistic and achievable living budgets. If your credit card is only approved for a certain amount, then you know that each month you absolutely cannot spend more than that amount. Once your income is paid to you, you can transfer the balance of your credit card from your cash account and your credit card is then repaid, ready to be used the following month.
Alternatively, a credit card can be used for additional, emergency funds when you need them. Use your credit card to pay for repairs to your home or car. Pay for moving costs like the rental bond payment, cleaners and removalist services. We also offer bond loan options for renters moving to new homes that help to cover your upfront security deposits fast and renovation loans for homeowners who need some extra cash to make improvements or repairs in a hurry.
Use your credit card to book your holiday and get early bird specials on flights, accommodation and travel insurance. You can pay for your entire holiday upfront and then repay the balance of it to your credit card with manageable repayments each month. If you are considering some travel, then we also have a travel loan option which offers you the same upfront funds to pay for your trip at competitive interest rates and manageable monthly repayment options.
Pay for education costs like a new computer, textbooks and fees. For more education options, consider our student loans designed to help students pay for fees upfront and hassle free.
MONEYME Freestyle is the smarter option for people in the market for a credit card who want access to low rate credit with low fees and fast online approvals. Use your credit card like a cash advance and mini loan before pay day or keep it safe and secure for emergencies like rent assistance. Apply online now for access to fast credit, instant loans and no-nonsense application approvals.
MONEYME provides you and the whole of Australia with an online credit card that is convenient and reliable. Use our credit card application now and say goodbye to those traditional plastic cards.
After asking, ‘How to apply for a credit card?’ you may want to cancel it due to a number of reasons. You can choose to cancel your Freestyle Card account at any time. However, according to our terms and conditions, you must notify us through a written statement and pay off any outstanding balance.
It is also important to note that all your obligations, debt, and charges must be dealt with before the cancellation can be approved on our side.
Don’t worry; you may choose to reduce the limit of your virtual credit card at any given time. Just notify us and keep in mind that the effects of your request are not instant. The act of reducing your credit limit may take some time to be processed depending on the influx of other requests and platform updates in MONEYME. However, we assure you that we will attend to your concern as soon as procedurally possible.
Paying off your credit card is essential as it does not function like online debit cards with money already loaded up inside. If you’re still unfamiliar with the differences, learn about credit card vs debit card on our site for more information.
In order to pay off the money you have been borrowing, simply check your payment schedule in the Members Area. If you wish to pay for your expenses now, click ‘Make a payment’ in the Account Overview section. Another way of doing this is by going through the main menu, clicking ‘Manage my loan’ and then ending the process with ‘Make a payment’.
Instead of using an online credit card, another line of credit option to buy things over the internet is through quick loans from MONEYME. We offer cash loans that range from $2,100 to $50,000, and all it takes is a five-minute application to see if you’re eligible.
We’re all about responsible lending; that’s why we only offer loan terms that you can comfortably repay. MONEYME won’t let you bite off more than you can chew. You’ll be able to repay your loans through our convenient scheduling and reminders based on your pay cycle.
Before the Freestyle Card and application, even the best credit cards were susceptible to scams. Traditionally, it would happen through illegal devices called skimmers. These tools gathered the physical card’s information through its magnetic strip. Afterwards, the perpetrator could apply that information onto a fake credit card and then make online transactions under the victim’s name.
However, this type of crime does not occur that often anymore as there is a new generation of credit cards. The MONEYME Freestyle Card allows you to secure your information through the safety of your phone. This way, skimmers can no longer gather data from the card’s magnetic strip as there is no physical card to begin with.
Paying over the internet has been made easy through the online credit card from MONEYME. Simply begin by logging in to your Freestyle Card account. Next, tap the virtual card on the screen to see the three important pieces of card information: the card number, expiry date, and the CCV. Afterwards, input this information into the website you wish to order from, finish the checkout process, and wait for the product or service to arrive.
Paying the IRS online is a simple task when you are using MONEYME. Simply prepare your payment reference number (PRN) and your virtual Freestyle Card. Afterwards, input both details and then double-check to see if everything is correct. Lastly, confirm the payment and enjoy this effortless process for tax years to come.
Note that your Freestyle Card will work for this type of transaction as it can pay for all products, services, and even taxes that support MasterCard as a mode of payment. Additionally, a card payment fee will also apply if you pay the IRS through Freestyle Card.
Using the National Australia Bank (NAB) application is an easy way to repay credit card services. Follow these basic steps to complete the repayment process.
While our repayment options in MONEYME are as easy as NAB (if not easier), we provide you with the added benefit of breathing room.
We understand that things don’t always go according to plan. That is why with our fixed-term payment, you can give added payments or repay in full with no additional cost. Additionally, we can also reschedule your payment for up to 7 days for free so that you don’t have to worry about super strict deadlines.
Here at MONEYME, we understand you not just as a credit card client, but as a consumer as well. This means that we provide services that make your life easier by taking into account your different needs as someone who lives in a fast-paced environment.
For this reason, we have created an all-in-one easy approval credit card fit for just about any use. Our MONEYME Freestyle Mastercard has all the features of a credit card for temporary residents, student credit cards, and much more.
Aside from this, with our personal credit card, you can enjoy additional benefits on top of our low interest rate of 16.99% per annum. Our unique service provides a same-day approval, virtual form factor, and credit back MONEYME perks, among other advantages.
Apply for our solution today using the MONEYME credit card application and cover all sorts of expenses. From rent due to holiday layby agreements – allow our reliable credit option to handle the charges.
Understanding the Freestyle virtual credit card from MONEYME is easy if you think of it as simple cash loans online.
When you set up your account, we give you a specific credit limit based on your credit score. However, unlike a bank or traditional credit institution, we also check other important factors such as generated income, debt obligations from bank loan programs, and the living expenses in your area.
Afterwards, we will approve your MONEYME account so that you can instantly buy products or services and then pay for them using the Freestyle virtual credit card. Then, all that’s left for you to do is pay off your balance based on the agreed-upon repayment terms.
That’s basically all there is to it – a MONEYME credit card is an easy concept to wrap your head around. Create a Freestyle account today to complete any transaction that accepts Mastercard and even redeem credit from over 1,700 of our partner stores.
Traditionally, a credit card is a small rectangular plastic product that allows you to spend money that comes from your selected provider. It gives you the ability to purchase goods or services at an earlier time as actual payments are set in the future.
However, MONEYME online credit cards have a unique virtual aspect to them. Instead of carrying this traditional rectangular piece of plastic, you can just bring out your mobile phone and use the Tap n Pay in-store option. Additionally, you can view your credit card number, expiration date, and CCV on the MONEYME platform for online purchases.
With this convenient model, you won’t even have to bring your wallet with you anymore when you download our mobile app. Just bring your phone with you then enjoy life through paperless processes.
For a traditional bank credit card, you would have to plan a trip to one of the physical branches. Once you get there, you have to wait in line for their staff to assist you, then fill out stacks of paperwork and submit other requirements such as a savings statement.
We don’t know about you, but that doesn’t sound like a lot of fun. With MONEYME, you can skip that stress-filled process and even apply for a Freestyle credit card while lying in bed.
Simply make sure that you are 18 years or older, an Australian citizen, and currently employed. If all of those conditions are met, then you are eligible for our effortless application procedure.
To get to enjoy our Freestyle card, input the necessary financial data in our mobile app, allow us to give you a fair credit limit based on the provided information, and that’s it – an approved application and a ready-to-use credit card.
A balance transfer credit card gives you the power to pass on the balance you are obliged to pay from one card to another. This effectively makes it so that you don’t have to worry about multiple small debts, but one consolidated one instead.
However, with this type of credit card, banks generally charge more with regard to purchasing interest. They do this so that they can cover the expense lost from the lower credit balance interest rate.
With MONEYME, you can avoid the high purchase interest associated with balance transfer credit cards from banks. We provide you with small debt consolidation loans so that you can fully repay all your other loans. The best part is that you can save more with our option as we have a unique MONEYME credit rating system that allows you to have less interest the higher your placement is.
Apply for a consolidation loan from MONEYME and increase your rating from an A5 to an A1+ in no time. Start making consistent repayments with us and save more in the long run.
Applying for a MONEYME Freestyle card is a simple task anybody can do. Just follow these basic steps and have your application approved in just a few minutes.
First, make sure that you are eligible for our credit products. If you are a working Australian citizen aged 18 or older, then you can proceed to the next step.
Next, download our mobile phone application available on all types of smartphones. Doing this will allow you to view your card details and receive notifications about your repayment status.
After the app has been installed, create an account and Freestyle card request. Here, you will have to type in information about your financial situation so that we can decide on a fair credit limit for you.
Lastly, wait for our expert MONEYME team to approve your request, then instantly enjoy your fully functional virtual credit card.
With that simple process, say hello to our Freestyle option and goodbye to those clunky plastic cards. Join us here at MONEYME and step into the future of money borrowing!
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