Looking for faster, more convenient, and simpler access to credit? MONEYME offers online loans up to $50,000. Their advanced technology platform allows them to provide an outcome in a matter of seconds, with funds sent immediately once approved.

MONEYME credit card

MONEYME Freestyle Virtual Card

On website

Balance transfer


Purchase rate

From 18.24% p.a. ongoing

Annual fee

From $0.00 p.a. ongoing


  • Use virtual card instantly once approved (typically within 60 mins)
  • Tap n Pay with up to 55 days interest free
  • Use credit to transfer money to anyone
  • Exclusive features
  • Thousands of 5-star customer reviews

Bank promo

  • Get MONEYME's lowest advertised rate EVER of 18.74% p.a.
  • Annual fee of $0 to $149 p.a. based on credit limit plus a monthly fee of $5 for balances over $20.


  • Available to use immediately after approval.
  • Money can be transferred to your bank account.
  • Get cashback at participating stores with Cashrewards.


  • The maximum credit limit is comparatively low.
  • Combination of annual and monthly fees can be quite expensive for the highest credit limit.
  • There is a 1.5% withdrawal fee.

MoneyMe credit cards are designed to meet the diverse financial needs of consumers in Australia. From low-interest rates to flexible repayment options, these cards provide users with a range of advantages. Whether you are looking for a card to manage your expenses or to access credit when you need it, MoneyMe offers options that may suit your requirements.

How to Apply for a MoneyMe Credit Card

Applying for a MoneyMe credit card is a straightforward process that can typically be completed online. The steps to apply for a MoneyMe credit card may include:

  1. Visit the MoneyMe website or use the MoneyMe mobile app.
  2. Navigate to the credit cards section and choose the card that best suits your needs.
  3. Click on the 'Apply Now' button and fill out the online application form.
  4. Provide the necessary documents and information as requested.
  5. Submit your application for review.

Managing Your MoneyMe Credit Card

Once you have been approved for a MoneyMe credit card, it is essential to manage your card effectively to make the most of its benefits.

Some tips for managing your MoneyMe credit card efficiently include:

  • Regularly monitor your transactions and statements for anything unusual.
  • Pay your bills on time to avoid late fees and damage to your credit score.
  • Keep your credit utilisation ratio low, which reduces interest and helps maintain a healthy credit score.

Help choosing a MoneyMe credit card

  • FAQs

How do I apply for a MoneyMe credit card?

To apply for a MoneyMe credit card, you can visit the MoneyMe website or use the MoneyMe mobile app to fill out an online application form.

What are the benefits of MoneyMe credit cards?

MoneyMe credit cards offer benefits such as flexible credit limits, low annual fees, competitive interest rates, rewards programs, online account management, and quick application processes.

How can I manage my MoneyMe credit card effectively?

You can manage your MoneyMe credit card effectively by monitoring your transactions regularly, paying bills on time, maintaining a low credit utilization ratio, and utilizing any rewards or cashback offers available.

What are some tips for using my MoneyMe credit card responsibly?

To use your MoneyMe credit card responsibly, it is advisable to budget your expenses, avoid unnecessary debt, pay your bills on time, and not exceed your credit limit.

Are MoneyMe credit cards suitable for building credit history?

MoneyMe credit cards can be suitable for building credit history if you use them responsibly by making timely payments and keeping your credit utilization low.

How quickly can I get approved for a MoneyMe credit card?

The approval process for a MoneyMe credit card can vary, but some applicants may receive approval within minutes, depending on their credit history and financial situation.

What fees are associated with MoneyMe credit cards?

MoneyMe credit cards may come with annual fees, late payment fees, cash advance fees, and foreign transaction fees. It is essential to review the terms and conditions of the specific card you are considering.

Can I access my MoneyMe credit card account online?

Yes, MoneyMe provides online account management services, allowing users to access their credit card account details, make payments, view transactions, and manage their card preferences conveniently.

What should I do if my MoneyMe credit card is lost or stolen?

If your MoneyMe credit card is lost or stolen, you should contact MoneyMe's customer service immediately to report the incident and request a replacement card to prevent any unauthorized transactions.