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.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
The MONEYME Freestyle Virtual Credit Card is designed to be managed from your phone or other mobile device. Instead of a traditional plastic credit card, you'll get card details sent to you through the MME app as soon as you're approved.
The MONEYME Freestyle Virtual Credit Card is also different to most cards because its annual fee is based on your credit limit, with fees between $0 and $149 – as well as a monthly fee when your balance is over $20. It also has variable interest rates between 18.74% p.a. and 23.74% p.a. based on your credit score. Similar to other credit cards, it offers up to 55 interest-free days if you pay your balance in full by the due date on your statement.
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
In keeping with the virtual theme, you can apply online in a few minutes. To get started, check you meet the eligibility requirements and have all the documents and details needed to complete the secure application form.
Eligibility criteria
Income. You must have a regular source of income .
Residency. You must be an Australian citizen, permanent resident or hold a current long term visa (12 months or more).
Credit history. You must have no history of payment default, bankruptcy, judgements or serious overdue accounts, and a credit score above 600 with Equifax. You also can't have had a previous application declined in the past 365 days.
Age. You must be at least 18 years of age.
Required documents
Personal details. You'll need to provide details such as your full name and address.
Identification. You'll need to provide proof of identity such as your driver's licence or birth certificate.
Proof of income. You'll be asked to provide proof of income and employment. During the application, you can speed up this process by securely connecting to your bank account to verify these details.
What happens after you apply?
MONEYME will give you a response in a few moments. If you're approved, your MONEYME Freestyle Virtual Card Card will be set up and ready to use instantly.
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:
Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald.
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.
Feedback
How likely would you be to recommend finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Important information about this website
finder.com.au is one of Australia's leading comparison websites. We are committed to our readers and stands by our editorial principles
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.
Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product. You can learn more about how we make money.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
