ME credit cards

Don’t want to bank with one of the big players? Compare a credit card from ME (formerly Members Equity Bank) and become a new customer today.

By   |   Verified by David Boyd   |   Updated 19 Dec 2023

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Comparing ME credit cards

ME Frank Credit Card

Balance transfer


Purchase rate

11.99% p.a. ongoing

Annual fee

$0.00 p.a. ongoing


  • Save with one of the lowest ongoing interest rates on purchases at 11.99% p.a.
  • Cash advances are also cheap, also at 11.99% p.a. with a $4 or 2% fee (whichever is greater).
  • The perfect annual fee: none.


  • 11.99% p.a. interest rate on purchases and cash advances.
  • No annual fee for life.
  • Get up to 55 days interest-free on purchases.
  • Low foreign transaction fee.
  • Easily lock the card from the app if lost.


  • You will not earn rewards points on this card.
  • No interest-free balance transfers.
  • No complimentary insurance coverage.

More about Me credit cards

Our experts share answers to commonly asked questions about cards from ME.

  • FAQs

Do I need to have my super with one of the funds who own ME Bank before I can apply for the ME frank Credit Card?

No. There is no requirement to be a member of an industry super fund in order to bank with ME or apply for a credit card.

Can I transfer my balance onto a ME credit card?

Yes. However, ME typically don’t offer any promotional 0% balance transfer deals to new customers. Instead, they apply the same simple low interest rate to balance transfers that is applied to purchases and cash advances.

Can I use my ME frank Credit Card overseas?

Yes. Since it’s a Mastercard, it can be use everywhere worldwide that Mastercard is accepted.

How can I manage my credit card account considering there are no branches?

ME is a digital, online only bank. It does not have branches or ATMs. Customers can manage their credit card account via ME’s internet banking, mobile banking app, phone and postal services. You can also use your ME frank Credit Card free of charge at any ATM operated by Australia’s Big Four banks (ANZ, Commbank, NAB and Westpac).

How can I make repayments on my ME frank Credit Card account?

You can make payments into your credit card account in four ways:

  • Via an internet banking transfer from an ME bank account;
  • Via BPAY using phone or internet banking from any Australian bank account;
  • In person at an Australia Post outlet;
  • By setting up a direct debit to pay the account balance in full, or to pay a set monthly amount or percentage of the closing balance, or to make the minimum monthly repayment.