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ME Credit Cards

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.


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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.

Compare ME credit cards

Data updated regularly
Name Product Interest-free period Cash advance rate Purchase rate Annual fee
ME Frank Credit Card
Up to 55 days on purchases
11.99% p.a.
11.99% p.a.
Save money with an ongoing $0 annual fee, the same low 11.99% p.a. interest rate on purchases and cash advances, and up to 55 days interest free.

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.

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 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.

Required documents

  • 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

More guides on Finder

  • ME Frank credit card

    The ME Frank credit card gives you straightforward access to credit, with the same interest rate for purchases, balance transfers and cash advances plus an ongoing $0 annual fee.

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59 Responses

    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?

      Avatarfinder Customer Care
      JeniAugust 28, 2019Staff

      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?

      Avatarfinder Customer Care
      JhezOctober 6, 2017Staff

      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

    Default Gravatar
    LamiaOctober 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?

      Avatarfinder Customer Care
      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.


    Default Gravatar
    LamiaOctober 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.

      Avatarfinder Customer Care
      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.


    Default Gravatar
    Bernie RodwaySeptember 14, 2016

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

      Avatarfinder Customer Care
      DeeSeptember 14, 2016Staff

      Hi Bernie,

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


    Default Gravatar
    RaymondAugust 27, 2016

    do you have a platinum card or gold card

      Avatarfinder Customer Care
      MayAugust 28, 2016Staff

      Hi Raymond,

      Thank you for your inquiry. Just to confirm that you’ve come through to Finder. 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.


    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.

      Avatarfinder Customer Care
      MayMay 5, 2016Staff

      Hi Jackie,

      Thanks for reaching out.

      Please note that you have come through to – 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.


    Default Gravatar
    paulaMarch 16, 2016

    do you offer free travel insurance?

      Avatarfinder Customer Care
      SharonMarch 16, 2016Staff

      Hi Paula,

      Thanks for your inquiry.

      While travel insurance is not included as a feature from the ME Frank credit card, you may compare a range of credit cards with travel insuranceand to know the types of complimentary travel insurance, its overall cover and coverage limits.

      Please make sure to read the eligibility criteria, features and details of the policy, as well as the relevant Product Disclosure Statements and terms of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.

      I hope this helps.


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