Requires credit check
Submit basic details:
- Includes: Personal, Employment, Income & Expenses
- Verify income
Via our secure online portal - Fast approval
Typically takes around 60 mins - Download the app to access virtual card
Add to mobile wallet and start shopping
Eligibility
- 18+ years
- Employed
- Earns more than $24,000 per year
- Australian resident or citizen
- No major defaults or bankruptcy
Pricing
Credit limit: Apply for $1,000 up to $20,0005
Interest-free period: Up to 55 days6
Interest rate: 16.99% p.a. Fees and charges payable
Available with: ApplePay & GooglePay
Annual fee:
| Fee | Credit limit |
|---|---|
| $0 | Up to $3,000 |
| $49 | $3,001 to $5,000 |
| $149 | $5,001 to $20,000 |
SurfStitch $250 credit back promo terms and conditions (T&Cs): The SurfStitch $250 credit back offer (Offer) is provided by MoneyMe Financial Group Pty Limited ACN 163 691 236 Australian Credit Licence 442218 (we/us/our). The Offer is only available to new Freestyle Virtual Credit Account (Account) applicants, for applications received before 1st June 2021. Applications will be subject to our usual credit assessment and approval process. The Offer is available when you apply and are approved for a new Account, and spend up to $250 on eligible purchases at SurfStitch within 30 days of Account approval. Eligible purchases include payments for products and/or services in-store or online at SurfStitch only. The Account may not be used for reoccurring payments or memberships. The credit back will be paid to your Account within 2 business days of spending on eligible purchases. Any amounts spent, but subsequently refunded, will not count as an eligible purchase. You must have an active Freestyle Account to which the credit back can be deposited. You are not eligible to receive the credit back if your Account is closed or in default prior to the credit back being credited to your Account. The credit back will not contribute to any minimum payment applicable to your Account. The Offer is not available in conjunction with any other MoneyMe offer and is only available to new Freestyle customers, and is limited to a maximum of $250 credit back per customer. You cannot transfer or assign your right to the credit back to any other person, and we accept no responsibility for any tax implications that may arise from the Offer. We reserve the right to, at any time, withdraw or extend the Offer or otherwise vary these T&Cs. Participation in the Offer is deemed acceptance of these T&Cs.
Not negging the deal, but it scares me how "fun and accessible" companies are making credit cards. How many young people will see this and not take it for what it is? They are clearly the target audience with the virtual card and the chosen online store for the credit.