Start using your card in minutes, not days
Pay later with up to 55 days interest-free on purchases 6
Transfer money to friends
or your own bank account
Manage repayments, credit limits & more from the
app
Get credit back at over 1,400 participating stores when you pay with Freestyle
Get 
Minutes to apply, fast approval
Add your virtual card to
Shop or transfer your money
straight away
Our fees and charges
Limit
Up to $20,0005
Annual fee
Monthly fee
Interest-free period
Up to 55 days6
Interest rate
*Other fees and charges may apply.
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Things you should know
For a line of credit:
Fees and charges
-
Interest rate 18.74%3
-
Credit limit approvals up to $20,000
-
Minimum withdrawal amount is $100
-
Monthly account fee of $9
Only applies if outstanding balance is over $20
-
Annual fee from $0 to $149
Based on your credit limit and rating
3This interest rate is based on the Annual Percentage Rate (APR). Our APR is calculated daily by applying the daily APR and charged in arrears on the outstanding balance of your loan to the date your payment is due.
Other fees that may apply
-
Dishonour fee of $15
This is payable each time a direct debit is dishonoured on your commitment to make a loan repayment is not met.
-
Overdue account fee of $15
This is payable each time your account is not up to date by the end of the last day of the month.
Example repayments
Based on a revolving line of credit of $20,000 over 2 years
-
Minimum interest rate of 18.74% p.a. (26.66% p.a. comparison rate4) with total cost of $6,421.40
-
Maximum interest rate of 25.99% p.a. (40.73% p.a. comparison rate4) with total cost of $6,880.34
4 Warning: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates.
5 Applications are subject to eligibility criteria including credit approval. Other terms and conditions may apply. 6If not repaid after 55 days, interest rate of 18.74% p.a. will apply.
