ME Credit Cards

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After a credit card with $0 ongoing annual fee plus a low 11.99% p.a. interest rate on purchases and cash advances? A ME credit card may be the right choice for you

ME provides a range of personal and business banking solutions which include transaction and savings accounts, term deposits, insurance solutions, and of course, credit cards. You can compare the rates, fees and features of ME bank's credit card offering below.

ME frank Credit Card

$0 annual fee for the life of the card

Eligibility criteria, terms and conditions, fees and charges apply

ME frank Credit Card Offer

The ME frank credit card offers no annual fee for the life of the card plus a low interest rate on purchases and cash advances. Request for an additional cardholder at no extra cost.

  • $0 p.a. annual fee.
  • 11.99% p.a. on purchases
  • Cash advance rate of 11.99% p.a.
  • Up to 55 days interest free
  • Minimum income requirement of $25,000 p.a.
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ME Credit Cards

Rates last updated October 17th, 2017
Name Product Interest Free Period Cash advance rate (p.a.) Purchase rate (p.a.) Annual fee Product Description
ME frank Credit Card
Up to 55 days on purchases
11.99% p.a.
11.99% p.a.
$0 p.a.
Available in black or white, this no-fuss credit card offers the same rate on purchases and cash advances, plus card lock technology.

Compare up to 4 providers

Types of ME credit cards

ME offers only one credit card: the ME frank Credit Card. Find out about this low rate card option below.

  • Low rate credit cards

A typical low rate card charges a low ongoing rate on purchases, but usually charges a higher rate on cash advances. However, the ME frank credit card offers the same low rate of 11.99% p.a. on purchases and cash advances, which is a plus if you want to keep your interest costs to a minimum. The card doesn't attract any ongoing annual fees and offers up to 55 interest-free days when you pay your balance in full by the end of the statement period.

Learn more about Low Rate Credit Cards

The benefits of banking with ME

The ME credit card offers a variety of perks and here’s what cardholders can look forward to when using their frank card:

  • Low interest rate

ME frank credit card’s low interest rate of 11.99% p.a. applies to purchases and cash advances alike. However, it's important to note that cash advances will also collect a cash advance fee. Cardholders can also save on interest costs with up to 55 interest-free days.

  • No annual fee

As well as competitive interest rates, you can also save with no annual fee for the life of the card.

  • The Mastercard connect

The ME frank credit card comes with an affiliation to Mastercard, so you can look forward to using your card wherever Mastercard is accepted internationally. While you can use your card at EFTPOS terminals and ATMs, you can also use it for online and over the phone transactions. You can also take advantage of Mastercard PayPass to make contactless payments for purchases under $100.

  • ATM access

If you ever need cash in a hurry, you can turn to any ATM that displays the Mastercard logo. You can withdraw cash for no ATM fee at ME ATMs. ME also has an ATM partnership with the Westpac Group, which gives you ATM fee-free access to over 3,000 Westpac, St.George, BankSA, and Bank of Melbourne ATMs across Australia. Please note that cash advance fees and interest rates apply to ATM withdrawals made with your ME credit card.

  • Additional cards

You can get up to 8 additional cards linked to your primary account. You continue getting a single statement each month and you remain liable for all purchases made using additional cards linked to your account. To request an additional cardholder, you can download and fill in a form from the ME website to fax or email a request.

How to apply for a ME credit card

You can apply for a ME credit card online. The online application is secure and can be completed in a few short minutes. You should get a response about your application moments after you hit submit.

Before you apply, make sure you've met these eligibility requirements and organised the following information:

Eligibility criteria you must meet

  • You are at least 18 years old
  • You are a permanent Australian resident or an Australian citizen
  • You have a good credit history
  • Earn more than $25,000 p.a.

Documents and information you'll need to provide

  • Personal details like your name, date of birth, and driver’s license or passport number
  • Contact details including your residential status, home address, phone number and email address
  • Your employer’s name, phone number, and address
  • Income details from all sources as well as details of all assets. This includes any Centrelink or rental income and is after tax. You may be asked to provide proof of your income.
  • Any information about existing debts such as loans, credit cards, and overdrafts.

What happens next?

If you apply online, you might have to submit personal identification documents by fax or email, and you may also have to send copies of payslips for income verification. If ME approves your application, you can expect to receive your new credit card within the next seven business days. You'll then need to activate your card by choosing a 4 digit PIN. You can do this via the ME internet banking service or over the phone.

Frequently asked questions

You can pay your ME credit card bill via any of the following payment methods:

  • Direct debit. Set up an automatic direct debit from a savings or transaction account so you can pay your ME credit card on time. Pay just the minimum, a nominated amount or the outstanding balance of your card.
  • BPAY. You can make a BPAY payment through your bank, building society or credit union over the phone or online. You'll just need the biller code of 464 347 and your customer reference number, which is located on the top right-hand corner of your statement.
  • Bank@Post. You can use cash or EFTPOS to pay your credit card bill at an Australia Post retail outlet.
  • Transfer from another ME account. If you have another ME account, you can also pay your credit card bill with your account via internet banking.

You can apply for an additional card when you complete the online application for a ME credit card. Alternatively, you can download, complete and send in an additional cardholder request form from the ME bank website. Additional cardholders must be over the age of 16 who is a permanent Australian residents and can provide their identity.

You can apply for a credit limit increase if you've held your credit card for at least, if your debts have reduced or if your income has increased. You can complete the Credit Limit Increase Form on the ME website.

If you'd like to decrease your credit limit, you can contact the ME team on 13 15 63.

Lost or stolen credit cards must be reported to ME immediately. You can contact ME on 13 15 63 in Australia or on +61 3 9708 4001 if you're overseas.

If the biller accepts payments via credit cards, you can use your ME credit card to pay your bill. These payments will be processed as a purchase.

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NAB Premium Card - Exclusive Offer
NAB Premium Card - Exclusive Offer

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ANZ Platinum Credit Card - Exclusive Offer
ANZ Platinum Credit Card - Exclusive Offer

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St.George Vertigo Platinum
St.George Vertigo Platinum

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55 Responses

  1. Default Gravatar
    GaryOctober 6, 2017

    I have had the misfortune of my ME Mastercard, InterestME amd Everyday Saving account cards being declined while on a cruise ship off China and also in Shanghai earlier this year. A phone call from the cruise ship to ME Bank resulted in no evident problem with my card as ME were notification of overseas travel. All cards functioned OK when back in Aust. Is China area and proximity a problem for ME Bank cards?

    • Staff
      JhezelynOctober 6, 2017Staff

      Hi Gary,

      Thank you for your comment.

      I understand the inconvenience you have faced. You can read our guide here on why card transactions are being declined.

      Here are the 5 reasons also on why your credit card is declined:
      1. You hit the road. – making purchases the same day in distant locations, your card issuer may not know you’re traveling and could decline the purchase
      2. You’re paying a foreign company. – you’re traveling overseas, especially in a country where card fraud is more prevalent, or if you’re making a payment to a business based overseas, that could get your card flagged
      3. Your limit was cut. – you got a limit decrease on a credit card that you forgot about, or if you missed the notification, you could be denied if a purchase would push you over that new limit
      4. Your funds are tied up in a hold. – Businesses including gas stations, hotels and rental car companies often put a hold for a certain amount onto your card when you initiate a purchase
      5. You’re spending big. – large purchases like electronics, appliances or an expensive vacation all could trigger a decline if it’s outside your normal spending pattern

      Still best to contact your card issuer to discuss this matter. I hope this helps.

      Regards,
      Jhezelyn

  2. Default Gravatar
    HeatherFebruary 4, 2017

    Im very disappointed in ME, I want to change over to the FRANK credit card, but have to re-apply again, when all they could do is transfer the me over as I have a credit card with them. They are the one company that don’t do it. They need to re-think how to change things. Other banks do it Westpac,NAB,Commonwealth etc. They have lost me as there customer, once I get my card paid out, I will close my again

  3. Default Gravatar
    October 18, 2016

    Hi! I have an ME Bank credit card. I’m just wondering if cash advance will also have 55 days interest free period?

    • Staff
      JasonOctober 19, 2016Staff

      Hi Lamia.

      Thank you for inquiring.

      The ME Bank frank Credit Card’s up to 55 days interest free offer generally applies on purchases, not on cash advances.

      I hope this helps.

      Cheers,
      Jason

  4. Default Gravatar
    October 3, 2016

    Which ATM can I use to withdraw cash using my frank credit card? I tried bpay to st georges loan. Frank cc didn’t allow me.

    • Staff
      MayOctober 4, 2016Staff

      Hi Lamia,

      Thank you for your inquiry.

      You should be able to use your ME frank credit card at any ATM with MasterCard logo and by selecting “credit” from the menu/options. You’d also be best to contact ME frank directly to be sure that your card is not blocked or does not have any problem when accessing funds from it.

      Cheers,
      May

  5. Default Gravatar
    September 14, 2016

    Can I get a credit limit of $500 for security reasons?

    • Staff
      AnndySeptember 14, 2016Staff

      Hi Bernie,

      Thanks for your question.
      The minimum credit limit that you can request for ME frank Credit Card is $1,000.

      Cheers,
      Anndy

  6. Default Gravatar
    August 27, 2016

    do you have a platinum card or gold card

    • Staff
      MayAugust 28, 2016Staff

      Hi Raymond,

      Thank you for your inquiry. Just to confirm that you’ve come through to finder.com.au we are an Australian financial comparison website and general information service and we do not represent ME frank or any other credit card company we feature on our site.

      Unfortunately, ME frank does not have gold or platinum card other than the ME frank credit card they currently offer. However, if you like to compare your other gold or platinum credit card options, please feel free to check the following pages:

      1.) Gold Credit Cards
      2.) Platinum Credit Cards

      I hope this helps.

      Cheers,
      May

  7. Default Gravatar
    JackieMay 5, 2016

    I just submitted an application which was conditionally approved, I need to send payslips but window closed before I got the email add to send it to.

    • Staff
      MayMay 5, 2016Staff

      Hi Jackie,

      Thanks for reaching out.

      Please note that you have come through to finder.com.au – we are a financial comparison website and general information service, not actually ME frank.

      As we do not have access to your application, you’d be best if you contact ME frank directly and their customer service team would be happy to assist you how you can submit your documents/payslips for your card application. You can reach ME frank on the phone number I sent to your email.

      I hope this has helped.

      Cheers,
      May

  8. Default Gravatar
    paulaMarch 16, 2016

    do you offer free travel insurance?

    • Staff
      SharonMarch 16, 2016Staff

      Hi Paula,

      Thanks for your inquiry.

      Please note that you have come through finder.com.au, not ME bank. Unfortunately, this feature is not available for ME frank credit card.

      You may refer to this page for a comparison of credit cards with travel insurance cover.

      I hope this helps.

      Sharon

  9. Default Gravatar
    HeatherMarch 9, 2016

    I want to transfer over to Frank but was told I had to apply for the card, why cant they just transfer me over as I have a credit card with ME, other banks do it, why don’t they, as I want the low rate card

    • Staff
      DebbieMarch 10, 2016Staff

      Hi Heather,

      Thanks for your question.

      Please note that finder.com.au is an online comparison and information service. We can only provide general information about the products we display.

      There may be several factors why ME does not allow transfers from one card to another. You may wish to contact ME bank directly to better assist you with your concern.
      Please refer to the contact number I’ve sent in your email.

      To check other options, you can compare our list of low interest rate credit cards.

      I hope this helps.

      Cheers,
      Debbie

  10. Default Gravatar
    matFebruary 14, 2016

    I apply one’s and they knock be back don’t know why? I’m running a small business.Can i apply again?

    • Staff
      JonathanFebruary 15, 2016Staff

      Hi Mat, thanks for your inquiry!

      It is recommended that frequent credit inquiries should be avoided, as this can be a negative signal to lenders/ banks. You may like to read our guide on how to get your credit card application approved to improve your chances of getting a credit card.

      Cheers,

      Jonathan

Credit Cards Comparison

Rates last updated October 17th, 2017
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
NAB Premium Card - Exclusive Offer
19.74% p.a.
0% p.a. for 24 months
$90 p.a.
Exclusive to finder.com.au and available until 12 November 2017, enjoy a no BT fee, long-term balance transfer offer and complimentary insurances.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
20.74% p.a.
0% p.a. for 18 months
$129 p.a.
Earn 3 bonus Velocity Points per $1 for the first 3 months, a first year annual fee refund and a yearly $129 Virgin Australia Gift Voucher.
St.George Vertigo Platinum
12.74% p.a.
0% p.a. for 24 months with 2% balance transfer fee
$99 p.a.
Offers complimentary travel insurance, complimentary purchase insurance and access to a 24/7 personal concierge service.
ANZ Platinum Credit Card - Exclusive Offer
0% p.a. for 3 months (reverts to 19.74% p.a.)
0% p.a. for 12 months
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
Exclusive to finder, receive 0% p.a. interest on purchases for 3 months and 0% p.a. on balance transfers for 12 months with no balance transfer fee.
ME frank Credit Card
11.99% p.a.
$0 p.a.
Available in black or white, this no-fuss credit card offers the same rate on purchases and cash advances, plus card lock technology.

Compare up to 4 providers

* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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