ME Credit Cards | Compare & Apply Online

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.

5 reviews
$0 p.a. annual fee.
One low 11.99% p.a. rate on purchases.
Up to 55 days on purchases if you pay your balance in full each month.
balance transfer
purchase rate
annual fee
$0 p.a. annual fee.
One low 11.99% p.a. rate on purchases.
Up to 55 days on purchases if you pay your balance in full each month.
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11.99% p.a.

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Q&As about ME Credit Cards from customers

Who are ME?

ME Bank is a Melbourne-based bank which was born out of the industry super fund, Members Equity. It is now a fully fledged online-only bank offering Australian consumers a range of financial products, including a competitive low-interest credit card. The ME bank place an emphasis on being modern, digitally-savvy and secure, with no branches or ATMs.

ME is 100% owned by 26 of Australia’s leading industry super funds. Profits earned are returned to the super funds.

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.

What are the outstanding features of the ME frank Credit Card?

A low interest rate on both purchases and cash advances, and no annual fee.

Can I transfer my balance onto a ME credit card?

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

Does the ME frank Credit Card have any complimentary benefits attached?

None, except for access to Mastercard Priceless Cities special offers (since it’s a Mastercard). The card concentrates instead on providing low interest rates and a zero annual fee.

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?

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.

What other banking services do ME offer?

ME are a fully-fledged bank offering Australian consumers a low rate credit card, bank accounts, home loans, cheap personal loans, car finance and insurance.

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