
The lowdown.
About MONEYME
MONEYME is an Australian online lender established in 2013 and listed on the Australian Stock Exchange since 2019. They offer a single, virtual credit card that lets you shop online or in-store using Apple Pay and Google Pay. This digital-first approach means no physical card, just instant access to credit through your mobile device, perfect for Aussies who prefer a streamlined, modern banking experience.

Types of MONEYME credit cards
MONEYME provides one credit card option: the Freestyle Virtual Credit Card. Designed for phone-based management, this card delivers your details via the MME app as soon as you’re approved. Key features include:
- Annual fee: Ranges from no annual fee to $149, based on your credit limit, plus a monthly fee if your balance exceeds $20.
- Variable interest rates: Rates range from 18.74% p.a. to 23.74% p.a., depending on your credit score.
- Interest-free days: Get up to 55 interest-free days when you pay your balance in full by the statement due date.

Benefits of MONEYME credit cards
The MONEYME Freestyle Virtual Credit Card comes with several perks:
- Instant access: Start spending right after approval without having to wait for a card in the mail.
- Mobile payments: Add it to Apple Pay or Google Pay for fast, secure in-store taps or online purchases.
- MME app: Manage your account easily to check balances, track transactions, and access new features like peer-to-peer transfers as they roll out.

Eligibility criteria of MONEYME credit cards
To qualify for the MONEYME Freestyle Virtual Credit Card, you’ll need to tick these boxes:
- Age: Be at least 18 years old.
- Credit history: No payment defaults, bankruptcies, or serious overdue accounts. You’ll need an Equifax credit score above 600 and no declined applications in the last 12 months.
- Income: A regular source of income is essential.
- Residency: You must be an Australian citizen, permanent resident, or hold a long-term visa (valid for 12 months or more).

How to apply for a MONEYME credit card
Applying for the MONEYME Freestyle Virtual Credit Card is a breeze and fully online. Here’s the process:
- Check eligibility: Confirm you meet the income, residency, credit, and age criteria.
- Gather documents: You’ll need personal details of your full name and address, driver’s licence, birth certificate, or similar. Employment and income evidence, you can speed it up by securely linking your bank account.
- Apply online: Fill out the secure form via the MME app or website in just minutes.
- Get a response: Receive an instant decision. If approved, your virtual card is ready to use straight away.

Compare side by side
Credit cards similar to MONEYME
If you want to compare alternative virtual credit cards, here are options with similar rates and features to MONEYME: