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MONEYME Freestyle Virtual Card

Offers fast approval and instant-use from your smart device, but check if an annual fee applies, as it's based on your credit limit.

The MONEYME Freestyle Virtual Card offers a line of credit from $1,000 up to $20,000 and charges a $0, $49 or $149 annual fee depending on the limit you get approved for. Plus, you can use your card to shop or transfer money straight away through Apple Pay and Google Pay.

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19.99% p.a.

Purchase rate

$0 p.a.

Annual fee

55 days

Interest free period

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Product NameMONEYME Freestyle Virtual Card
Balance transfer revert rateCash Advance Rate (19.99% p.a.)
Purchase rate p.a.19.99%
Annual fee$0
Interest-free periodUp to 55 days on purchases
Cash advance rate19.99% p.a.
Min credit limit$1,000
Max credit limit$20,000
Card typeMastercard
Foreign currency conversion fee2.99%
Minimum income$36,000
Available to temporary residentsYes - Conditions apply
Joint applicationNo


  • 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
  • Access to MoneyMe Perks


  • 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
Bonus pointsN/A
Annual fee$0
Late payment fee$15
Foreign currency conversion fee2.99%

Review by

Amy has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. She is also the editorial lead for Finder Green, covering sustainability across different industries. Her work has appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy also has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

The MONEYME Freestyle Virtual Card gives you a way to ditch plastic cards completely, with a digital-only card that you can access through Apple Pay or Google Pay within minutes of being approved. You can also get credit back on your account when you shop with over 1,400 partner stores – including Apple, THE ICONIC and David Jones.

This card charges an annual fee based on your credit limit, which you can request when you apply. From $1,000 - $3,000 you pay no annual fee. For a credit limit of $3,001 - $5,000, the annual fee is $49. If you get a credit limit between $5,001 - $20,000, you'll pay a $149 annual fee. You can also request a change to your credit limit once you have the card.

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

  • 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
  • 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.

Rates & fees

  • Annual fee. This card charges an annual fee between $0 and $149 depending on your credit limit.
  • Monthly fee. As well as the annual fee, there is a monthly fee of $5. This will be waived if your balance is less than $20.

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