In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
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MONEYME Freestyle Virtual Credit Card

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MONEYME Freestyle Virtual Card
Terms and conditions apply
Purchase rate
23.74% p.a.
Annual fee
$0 p.a.
Interest-free on purchases
Up to 55 days

Our verdict

Offers fast approval and instant-use from your smart device, with an annual fee based on your credit limit.

The MONEYME Freestyle Virtual Credit Card gives you a way to ditch plastic cards completely, with a digital-only card that you can start using through Apple Pay or Google Pay within minutes of being approved. Unlike most credit cards, the interest rate on this card depends on your credit score and ranges from 18.74% p.a. to 23.74% p.a., so you won’t know what rate you’ve got before you apply.


  • Line of credit up to $20,000
  • Annual fee from $0 to $149 depending on your credit limit and history
  • Ability to transfer money to your bank account


  • Charges a 2.99% foreign transaction fee
  • Charges a $5 monthly fee if your balance is over $20 on top of any annual fee
  • No physical card available

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question

The MONEYME Freestyle Virtual Credit Card offers up to 55 days interest-free on purchases and can be used anywhere Mastercard is accepted. As well as being one of the only completely digital credit cards on the market, it gives you a way to send money directly to bank accounts, which is unusual for a credit card. But this is considered a cash advance transaction, which attracts a 1.5% fee and isn't eligible for interest-free days.


Product details

Product Name MONEYME Freestyle Virtual Card
Purchase rate p.a. 23.74%
Interest-free period Up to 55 days on purchases
Cash advance rate p.a. 23.74%
Min credit limit $1,000
Max credit limit $20,000
Card type Mastercard


Available to temporary residents Yes - Conditions apply
Minimum income $36,000
Joint application No


Bonus points N/A


Annual fee $0
Late payment fee $15
Foreign currency conversion fee 2.99%
Cash advance fee 1.5%

How to apply

If you meet the eligibility requirements and have the key documents and details on hand, you can apply for the MONEYME Freestyle Virtual Card online in a few minutes.

Eligibility criteria

  • Income. You must be employed with an income of over $36,000 per year. If you receive government or Centrelink benefits, you won't be eligible to apply for this card – here are some other options you could consider.
  • Residency. You must be an Australian citizen, permanent resident or hold a current long-term visa (12 months or more).

Card benefits

  • Virtual card only. Since there is no physical plastic card for this account, you'll need to have a device compatible with Google Pay or Apple Pay to make purchases. As soon as you're approved, you can add the card to your digital wallet and shop or transfer money straight away.
  • Send money to your bank account. Transfer money to your bank account in just a few taps using your MONEYME Freestyle Virtual Card. Note that transferring money from your credit card will count as a cash advance transaction, which attract interest charges at the 23.74% p.a. rate straight away.

Rates & fees

  • Annual fee. This card charges an annual fee between $0 and $149 depending on your credit limit.
  • Credit limit from $1,000 up to $20,000. There are 3 available credit limit ranges to choose from and you can request the limit best suited to you when you apply. The default option during the application is the maximum $20,000 and you have the ability to request either of the lower ranges. Note that the actual credit limit you get is subject to lending criteria and approval. The card's annual fee also depends on your approved credit limit.
    • Credit limit $1,000 - $3,000: Annual fee $0
    • Credit limit $3,001 - $5,000: Annual fee $49
    • Credit limit $5,001 - $20,000: Annual fee $149

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Michael Pantic

May 18, 2023

Hi there, I would like to apply for your credit card with a $20,000.00 limit. What information do I require for the application? My credit score is approx 780.


Sarah Megginson Finder

May 19, 2023

Hi Michael,

See the “how to apply” section for a list of the documents you’ll need to apply for this card.

Best of luck!



March 02, 2023

Hi, I have been in Australia for just 2 months but I already have a stable full-time job earning about $1400 a week. I have a bank account with WestPac but they wouldn’t give me a credit card based on my Visa (500). Is there a chance I can get a credit card from another provider maybe? Thanks

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Amy Bradney-George Finder

March 15, 2023

Hi Thiago,

You can see details of banks that offer credit cards to temporary residents in Finder’s guide. It also include eligibility requirements and visa requirements for major Australian banks. Keep in mind that approval is subject to the bank’s lending criteria and assessment, so you may want to contact the bank first before you submit your application to discuss your situation. I hope that helps.

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