ME Bank

The ME (formerly Members Equity Bank) was built and supported by industry super funds. They have been helping everyday Australians get the most out of their money since 1994 – and that’s not changing. To bring lower fees, higher returns and 24/7 banking to the customers, the bank operates digitally so there is no physical branch.

ME Bank credit card

ME Frank Credit Card

On website

Balance transfer


Purchase rate

13.49% p.a. ongoing

Annual fee

$0.00 p.a. ongoing


  • Benefit from one of the most competitive ongoing purchase interest rates at 13.49% p.a.
  • Cash advances are equally cost-effective, also at 13.49% p.a., accompanied by a $4 or 2% fee (whichever is greater).
  • The ideal annual fee: zero.


  • 13.49% 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.

ME credit cards are a popular choice among Australian consumers looking for competitive interest rates, low fees, and attractive rewards programs. ME Bank offers a range of credit card options that cater to different needs and preferences. In this article, we will explore the features, benefits, and application process of ME credit cards to help you make an informed decision.

Benefits of ME Credit Cards

ME credit cards offer a range of benefits that make them attractive to customers. Here are some key advantages of choosing an ME credit card:

  • Competitive interest rates: ME Bank offers competitive interest rates on its credit cards, making them a cost-effective borrowing option.
  • Low fees: ME credit cards come with low annual fees and other charges, helping you save money over time.

How to Apply for an ME Credit Card

Applying for an ME credit card is a simple and convenient process. Here are the general steps you need to follow to apply for an ME credit card:

  1. Visit the ME Bank website and browse through the different credit card options available.
  2. Select the credit card that best suits your needs and click on the 'Apply Now' button.
  3. Fill out the online application form with accurate personal and financial information.
  4. Provide any required supporting documents, such as proof of income or identification.
  5. Review the terms and conditions of the credit card agreement before submitting your application.
  6. Await approval from ME Bank, which may take a few business days.
  7. Once approved, you will receive your new ME credit card in the mail, usually within 7-10 business days.

Managing Your ME Credit Card Account

After successfully obtaining an ME credit card, it's important to manage your account effectively to avoid unnecessary fees and maintain good financial health. Here are some tips for managing your ME credit card account:

  • Pay your bills on time to avoid incurring late fees and damaging your credit score.
  • Monitor your spending and keep track of your transactions to detect any unauthorised activity.
  • Set up automatic payments or reminders to ensure you never miss a payment deadline.
  • Regularly review your credit card statement to reconcile your spending and identify any discrepancies.
  • Contact ME Bank immediately if you lose your card or suspect fraudulent activity on your account.

Help choosing an ME credit card

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

  • FAQs

What are the eligibility criteria for applying for an ME credit card?

To apply for an ME credit card, you must be at least 18 years old, an Australian citizen or permanent resident, and meet the bank's minimum income requirements.

How can I activate my ME credit card?

You can activate your ME credit card by following the instructions provided with your card or by calling the activation phone number on the sticker attached to your card.

Can I link my ME credit card to mobile payment services like Apple Pay or Google Pay?

Yes, ME credit cards are compatible with popular mobile payment services like Apple Pay, Google Pay, and Samsung Pay, allowing you to make secure contactless payments using your smartphone.

What should I do if my ME credit card is lost or stolen?

If your ME credit card is lost or stolen, contact ME Bank immediately to report the incident and request a replacement card. ME Bank offers 24/7 customer support to assist you in such situations.

How can I check my ME credit card balance and transactions online?

You can easily check your ME credit card balance and track your transactions by logging into your ME Bank online banking account or using the ME mobile banking app. These platforms provide real-time updates on your account activity.

Do ME credit cards have a foreign transaction fee?

ME credit cards may charge a foreign transaction fee for purchases made in a currency other than Australian dollars. It's advisable to check the specific fees and charges associated with your card to understand the costs involved in international transactions.

How can I redeem rewards points earned on my ME credit card?

You can redeem rewards points earned on your ME credit card by logging into your rewards account through the ME Bank website or contacting the rewards program customer service. Depending on the card, you can redeem points for cash back, travel vouchers, gift cards, or merchandise.