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

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 Credit Cards

Rates last updated September 26th, 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 cards:

  • ATM access

If you ever need cash in a hurry, you can turn to any ATM that displays the Mastercard logo. ME 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. You can also use ME ATMs to avoid fees. Please note that cash advance fees and interest rates apply to ATM withdrawals made with your ME credit card.

  • Additional cards

ME gives you the ability to 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 add any additional card holders, you can download and fill in a form from the ME website to fax or email a request.

  • 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 when you travel overseas. While you can use your card at EFTPOS terminals and ATMs, you can also use it for online and over the phone transactions. The Mastercard PayPass technology also allows you to make contactless payments for purchases under $100.

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 can visit any ME service centre, you can initiate the process over the phone, and you can apply online. To apply online, click on the ‘Go to Site’ button, but not before you establish that you meet the following eligibility criteria:

  • You are over 18 years old
  • You are a permanent Australian resident or an Australian citizen
  • You are not a US tax resident or a US citizen
  • You have a good credit history

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 to include 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.
  • Details about expenses to include information about all existing debts like loans, credit cards, and overdrafts.

What happens next?

If you apply online, you might have to send copies of personal identification documents over 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. Before using your card you have to activate it, which you can do over the phone or online.

Frequently asked questions

Read the FAQs about ME credit cards for answers to general questions, or ask us a question if you want to find out more.

A balance transfer is a great money-saving credit card feature that can help you pay off unwanted credit card debt. Check to see whether there is a balance transfer offer for the ME credit card you’re comparing. You can apply for a balance transfer to a ME credit card when you complete the online application. You can also complete and return a balance transfer request form after you apply. This form is available from the ME website.

The following conditions apply.

  • The maximum balance transfer amount is up to your available credit card limit -$100.

Pay your ME credit card the following ways:

  • 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 to your ME credit card.
  • Bank@Post. Pay your ME credit card in person at an Australia Post retail outlet. Use cash or EFTPOS to make a payment to your credit card.

Check your credit card statement for detailed instructions on how to make a payment to your ME credit card.

Up to interest-free days is another great credit card feature that rewards people who are able to pay off their credit card balance each month. Pay back what you spend and you get ‘up to’ a number of days to make purchases interest-free. It’s based on the time you make a purchase and the time your credit card statement is issued.

A good rule of thumb is to pay back everything you’ve spent in the previous statement cycle before you credit card statement’s due date and you can continue to make interest-free purchases on your credit card. Remember that you won’t get interest-free days if you’re paying off a balance transfer balance. Even a balance transfer balance will void the interest-free days feature.

You can apply for an additional card when you complete the online application for a ME credit card. Alternatively, you can complete and send in an additional cardholder request form. Check the ME credit cards review pages for information about the number of additional cardholders offered under each account and whether there’s a fee for issuing a supplementary card. Additional cardholders can be anyone over the age of 16 who is a permanent Australian residents and can provide their identity.

You’re assigned a credit limit based on your financial situation. You may need to increase or decrease your credit limit as your circumstances change. You can apply for a credit limit increase on your ME credit card if your account has been open for nine months. To change your credit limit, speak to a ME customer representative or download and complete a credit limit increase application.

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 service in question accepts payments via credit cards, you can use your ME credit card to make payments.

Back to top

Read more on this topic

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

Interest rate


Annual fee

Qantas American Express Ultimate Card
Qantas American Express Ultimate Card

Interest rate


Annual fee

St.George Vertigo Platinum
St.George Vertigo Platinum

Interest rate


Annual fee

NAB Low Rate Credit Card
NAB Low Rate Credit Card

Interest rate


Annual fee


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, read the PDS or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Conditions and Privacy Policy.

53 Responses

  1. 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

  2. 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.


  3. 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.


  4. 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.


  5. 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 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.


  6. 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 – 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.


  7. 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, 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.


  8. 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 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.


  9. 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.



  10. Default Gravatar
    cathOctober 11, 2015

    I receive a full permanent disability pension from Centrelink. Am I able to apply for a $500 credit card or does this automatically dismiss my application?

    • Staff
      JonathanOctober 13, 2015Staff

      Hi Cath, thanks for your inquiry!

      Income includes any Centrelink or rental income and is after tax. You may be asked to provide proof of your income.



Credit Cards Comparison

Rates last updated September 26th, 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.
Until 1 October 2017, exclusive to, enjoy a no BT fee, balance transfer offer with platinum privileges, including travel insurance.
St.George Vertigo Visa
13.24% p.a.
0% p.a. for 18 months with 2% balance transfer fee
$55 p.a.
Receive up to 55 days interest-free on purchases and the ability to make contactless payments with Visa payWave technology.
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.

Compare up to 4 providers

* The credit card offers compared on this page are chosen from a range of credit cards 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.

Ask a question