Finder makes money from featured partners, but editorial opinions are our own.

ME Credit Cards

ME Bank does not currently offer any credit cards. It previously offered the ME Frank low rate credit card.

Not enough reviews Write a review

As of 2 October 2023, the ME Frank credit card is no longer available for new applications. But existing accounts remain open, so we have kept the details here available for customers and anyone else who is interested in the historic data.

Compare low rate credit cards

If you're interested in low rate credit cards, you can compare a range of offers currently on the market.

1 - 10 of 10
Name Product Purchase rate p.a. Interest-free period Balance transfer rate p.a. Annual fee

Bankwest Breeze Classic Mastercard

Bankwest Breeze Classic Mastercard
0% for 12 months, then 12.99%
Up to 55 days on purchases
0% for 12 months with 2% balance transfer fee, then 12.99%
Save with 0% p.a. on purchases and balance transfers for 12 months (with a 2% BT fee).

NAB Low Rate Credit Card

Finder Award
NAB Low Rate Credit Card
Up to 55 days on purchases
0% for 28 months with 2% balance transfer fee, then 21.74%
$0 first year ($59 after)
Get a 0% p.a. interest rate on balance transfers for the first 28 months (with a 2% BT fee). Plus, save with a $0 first-year annual fee.

Westpac Low Rate Card

Westpac Low Rate Card
Up to 55 days on purchases
0% for 28 months, then 21.49%
Save with a 0% p.a. interest rate on balance transfers for 28 months. Plus, a low 13.74% p.a. purchase interest rate.

Bankwest Breeze Platinum Mastercard

Bankwest Breeze Platinum Mastercard
0% for 12 months, then 12.99%
Up to 55 days on purchases
0% for 12 months with 2% balance transfer fee, then 12.99%
Get 0% p.a. interest on purchases and balance transfers for 12 months (with a 2% BT fee). Plus 0% foreign fees and complimentary overseas travel insurance.

Westpac Low Rate Card - Cashback Offer

Westpac Low Rate Card - Cashback Offer
Up to 55 days on purchases
A no-frills card offering up to $350 cashback: $50 each month you make at least $1,000 of eligible purchases for the first 7 months.

St.George Vertigo Card - Cashback Offer

St.George Vertigo Card - Cashback Offer
Up to 55 days on purchases
6.99% for 12 months, then 21.49%
Get up to $400 cashback at eligible supermarkets and petrol stations in the first 180 days. Plus, a low interest rate for purchases.

American Express Low Rate Credit Card

American Express Low Rate Credit Card
Up to 55 days on purchases
Offers a low ongoing interest rate of 10.99% p.a. and a $0 annual fee. Plus, complimentary purchase cover.

Citi Rewards Card - Purchase and Balance Transfer Offer

Citi Rewards Card - Purchase and Balance Transfer Offer
0% for 12 months, then 21.49%
Up to 55 days on purchases
0% for 12 months, then 22.24%
Save with 0% p.a. on purchases and balance transfers for 12 months with no balance transfer fee.

Credit Union SA Education Community Credit Card

Credit Union SA Education Community Credit Card
0% for 6 months, then 11.49%
Up to 55 days on purchases
0% for 6 months, then 11.49%
Save with an ongoing $0 annual fee and 0% p.a. interest on purchases, balance transfers and cash advances.

NAB StraightUp Card

NAB StraightUp Card
Save with 0% p.a. interest charges and 0% foreign transaction fees. Plus, $0 monthly fees when you don't use the card or carry a balance.
Note: The ME Frank credit card was taken off the market on 2 October 2023.

Types of ME credit cards

  • Low rate credit card

The ME Frank Credit Card has a low 11.99% p.a. variable interest rate for purchases and cash advances. This sets it apart from some other low rate credit cards that charge a different, higher interest rate for cash advances. It also offers an ongoing $0 annual fee, which can help you save on account costs.

The benefits of getting a credit card with ME Bank

As well as the features of the ME Frank Credit Card, here are some other benefits you can get with ME Bank:

  • Mastercard benefits

ME Bank credit cards can be used around the world, anywhere Mastercard is accepted. If you're shopping online, you'll get an extra layer of protection with Mastercard Identity Check. You'll also get access to deals on travel, shopping, dining and entertainment through Mastercard Priceless.

  • Digital wallets

You can add an ME Bank credit card to Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay.

  • Additional cards

If you want to share your account with family members, you can request up to 8 additional cards linked to your primary account. Just keep in mind that you'll be the one responsible for managing the account, including all repayments.

  • Internet and mobile banking

Account management is simple with ME Bank's internet banking and mobile app. As well as checking your account balance and making payments, you can put a temporary lock on your card and personalise accounts.

How to apply

You can apply online by filling in a secure application form on the ME Bank website.

To get started, make sure you've met the eligibility requirements and have all the documents and details you'll need for the application.

Eligibility criteria

  • Australian residency. You must be a permanent Australian resident or an Australian citizen.
  • Income. You can apply if you're employed and have a verifiable income of at least $25,000 p.a.
  • Age. You must be at least 18 years of age.

Documents and details

  • Personal details. Includes your name, date of birth and contact details. You also need to provide a valid form of ID, such as your driver’s licence or passport.
  • Employment details. You'll need to provide contact details of your employer and proof of income, such as your 2 most recent payslips.
  • Financial details. This covers any income other sources, assets and existing credit cards, loans or other debts. You also need to share details of your regular household expenses such as bills and groceries.

You'll get a response from ME Bank once you have submitted the application. If you're approved, you may need to submit more supporting documentation.

If you have any questions, contact ME Bank on 13 15 63. You can also check out Finder's guide for tips on credit card applications if you want more details on the process.

Credit card brands similar to ME Bank

If you want digital banking tools and an alternative to the Big Four, here are 3 other credit card providers you could compare with ME:

Frequently asked questions

Want to compare a wider range of credit cards? Check out the latest offers for rewards, balance transfers, low rates and more.

More guides on Finder

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and 6. Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

61 Responses

    Default Gravatar
    colinJune 1, 2023

    ME FRANK used to be highly recommended, especially as a no-annual-fee credit card, but now is never mentioned amongst recommended cards. Is this because of the BOQ takeover? or; what’s gone wrong at ME BANK. 1JUNE23

      AmyJune 8, 2023Finder

      Hi Colin,
      This credit card’s features are still competitive with other low rate and no annual fee cards. But there is a range of credit cards in these categories – in fact the 2023 Finder Credit Card Awards recognised 3 with lower rates in the Best Low Rate Credit Card category and 3 in the Best No Annual Fee category. You may want to compare these or view the methodology for the awards to get further insights. If you’re specifically interested in ME credit cards, you could also call ME Bank on 13 15 63. I hope that helps.

    Default Gravatar
    Rose-MareeOctober 14, 2019

    Do I need to have a savings account with ME to apply for a credit card?

      Default Gravatar
      NikkiOctober 15, 2019

      Hi Rose-Maree,

      Thanks for getting in touch! A savings account is not necessary to apply for a credit card at ME. You can find the eligibility and required documents above for reference. Once approved, 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.

      As a friendly reminder, check the eligibility requirements of the card before proceeding with your application. Also, read about its features and benefits and see how it fits your financial needs. Additionally, it’s helpful to review the PDS and Terms & Conditions of the card before fully committing to the card. You may also reach out to the bank if you have any clarifications.

      With care,

    Default Gravatar
    LynAugust 27, 2019

    I’m a pensioner. Own my own home outright and make $35,000 per annum. Have had an account with ME in the past and have an excellent credit rating. I would like to apply for a credit card for $3,000 is this possible?

      JeniAugust 28, 2019Finder

      Hi Lyn,

      Thank you for getting in touch with Finder.

      You may apply for an ME credit card since you’re an existing customer. Please note that when you apply for a card, the issuer will decide on your credit limit based on a variety of factors including your income, credit history, personal circumstances, and sometimes even the card that you choose. As credit limits are subject to the credit card company’s lending criteria, terms and conditions, you won’t know your exact limit until your application is approved.

      Since you mentioned that you’re a pensioner, you may compare pensioners’ credit cards. Please make sure though to read the eligibility criteria, features, and details of the card, as well as the relevant PDS/ T&Cs of the card before making a decision and consider whether the product is right for you.

      I hope this helps.

      Thank you and have a wonderful day!


    Default Gravatar
    GaryOctober 6, 2017

    I have had the misfortune of my ME Mastercard, InterestME and 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?

      JhezelynOctober 6, 2017Finder

      Hi Gary,

      Thank you for your comment.

      I understand the inconvenience you have faced. You can read our guide 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.


    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

Go to site