MONEYME Credit Cards

MONEYME offers a virtual credit card you can start using within seconds of being approved. Here's how it works and other features to compare.

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Amy Bradney-George

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MONEYME

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Key takeaways

  • MONEYME is an Australian online lender that was founded in 2013 and has been listed on the Australian Stock Exchange since 2019.
  • It was also named Digital Disruptor of the Year in the 2022 Finder Innovation Awards.
  • MONEYME offers a single, virtual credit card that you can use to shop online or in-store through Apple Pay and Google Pay.

MONEYME credit card

Updated regularly
Interest-free days Cash advance rate p.a. Purchase rate p.a. Annual fee
MONEYME Freestyle Virtual Card image
MONEYME Freestyle Virtual Card
Up to 55 days on purchases
23.74%
Intro purchase rate
23.74%
$0
A virtual, instant-use card that offers up to 55 days interest-free and the ability to transfer money to your bank account.
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Benefits of getting a MONEYME credit card

Instant, virtual card

You can start using the MONEYME credit card as soon as your application is approved, rather than waiting days for a credit card to arrive in the mail. You can also manage your entire account from the MONEYME app.

Mobile payments

You can tap to pay in stores and shop online in instants when you add the MONEYME Freestyle Mastercard to your Apple Pay or Google Pay account.

MME app

MONEYME's app offers a simple way to check your balance, review transactions and manage your entire account. You'll also be able to access new features when they're available, such as peer-to-peer transfers.

How to apply for a MONEYME credit card

Applying for a credit card online is fast and easy. You'll need to be at least 18 years of age and meet the card's eligibility criteria. For more about eligibility, the kinds of documentation you'll need and the factors that can affect whether your card application is approved, check out our full guide to applying for a credit card.

Credit card brands similar to MONEYME

If you want a virtual credit card for online and mobile shopping, here are 3 other options you can compare:

Sources

Amy Bradney-George's headshot
Journalist

Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full bio

Amy's expertise
Amy has written 505 Finder guides across topics including:
  • Credit cards
  • Frequent flyer
  • Credit score
  • BNPL
  • Money management
  • Sustainability
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Read more on MONEYME Credit Cards

  • MONEYME Freestyle Virtual Credit Card

    MONEYME Freestyle Virtual Credit Card can be set up and used as soon as your application is approved, with an interest rate that's based on your credit score and an annual fee that's based on your credit limit.
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