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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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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.

Compare MONEYME credit card features

Name Product Interest-free period Cash advance rate p.a. Purchase rate p.a. Annual fee
MONEYME Freestyle Virtual Card
Up to 55 days on purchases
A virtual, instant-use card that offers up to 55 days interest-free and the ability to transfer money to your bank account.
More Info

Types of MONEYME credit cards

  • Virtual credit card

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 23.24% 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:

Want to compare a wider range of credit cards? Check out the latest offers for rewards, balance transfers, low rates and more.

Amy Bradney-George's headshot

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. See full bio

Amy's expertise
Amy has written 596 Finder guides across topics including:
  • Credit cards
  • Frequent flyer
  • Credit score
  • BNPL
  • Money management
  • Sustainability

More guides on Finder

  • 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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