Are you looking for a genuine, simple experience when you use your credit card? ME bank has been operating in Australia for over two decades, and is bringing you the simple, online service you want.
ME doesn’t offer many credit card options - in fact it offers one. But it’s a pretty good one. Read on to find out more.
Rates and fees verified as correct at 20 July, 2018. Other information correct at the time of writing.
You want to feel comfortable in your spending, so you want a card with a personality, a human touch, a name. You want a card that won’t lie to you, will tell it to you straight. Meet frank.
This is a low rate credit card with no annual fee so it’s perfect for shoppers who want a hassle free experience, and may mis a monthly payment or two.
| Product | Purchase rate | Balance transfer rate | Annual fees | Interest free days |
|---|---|---|---|---|
| 11.99% p.a. | No current offer | $0 | 55 |
Not just low fee, but no fee! frank is a great addition to any money savvy wallet, but with this card, what you see is what you get. The trade off for the low cost and ease of use is that there are no bells and whistles - don’t expect extra features or freebies and if rewards points is a priority, then this is not the card for you.
| Product | Purchase rate | Balance transfer rate | Annual fees | Interest free days |
|---|---|---|---|---|
| 11.99% p.a. | No current offer | $0 | 55 |
Mozo users have rated ME credit cards on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.
* Overall rating based on reviews in the past 12 months.
I dislike the interest rates, although they are very competitive they could certainly be reduced further. The app does not have all the options to do internet banking - not easy to navigate. I think that the website is a lot worse than the app....
I dislike the interest rates, although they are very competitive they could certainly be reduced further. The app does not have all the options to do internet banking - not easy to navigate. I think that the website is a lot worse than the app. However overall - I am very satisfied with the customer service of ME bank and have found their rates to be very competitive.
Chloe (VIC), reviewed 12 months ago
ME are really great. Lowest credit card interest rate around and fees are also very low. Online banking is super easy and the staff, if you ever need to call, are exemplary in customer service.
ME are really great. Lowest credit card interest rate around and fees are also very low. Online banking is super easy and the staff, if you ever need to call, are exemplary in customer service.
Darren (QLD), reviewed over 1 year ago
Been with ME over 10 years, excellent service.
Been with ME over 10 years, excellent service.
Helen (NSW), reviewed over 2 years ago
Something dodgy going on here. I have a great credit history, plenty of cashflow, very small mortgage and was flat out declined. They refused to explain. Was just trying to avoid annual fees for a low spend credit card used for internet shopping....
Something dodgy going on here. I have a great credit history, plenty of cashflow, very small mortgage and was flat out declined. They refused to explain. Was just trying to avoid annual fees for a low spend credit card used for internet shopping. I suspect they are not interested in anyone who will pay off their balance each month. I'll stick with the big banks thanks and pay a small fee.
Nick (WA), reviewed over 2 years ago
Excellent system, easy to understand. Customer service always to high standard.
Excellent system, easy to understand. Customer service always to high standard.
Nathan (QLD), reviewed over 2 years ago
Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.
Ready to apply? First things first, you’ll need to:
Because ME is an online bank, you’ll have to apply through their website, which is quick and easy. When you apply, you’ll need personal details and employment details, as well as details about your current and past finances, including bank statements and pay slips.
You can check out our guide on applying for a credit card for more information.
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