ME credit cards

ME
ME's overall rating for credit cards

(as rated by the Mozo community)

8.0 / 10

based on 201 reviews

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 26 September, 2018. Other information correct at the time of writing.

What credit cards do ME offer?

Low rate credit cards Low rate credit cards

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


Hide

Low fee credit cards Low fee credit cards

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


Hide

**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.

Frequently Asked Questions about ME credit cards

How many interest free days will I get with a ME credit card?

What fees might I be charged?

What is the minimum monthly payment I must make on a ME credit card?

Can I use paypass or paywave with my ME credit card?

Can I use my ME credit card while I’m travelling overseas?

What kind of insurance options does my ME credit card offer?

What rewards options do I have with my ME rewards credit card?

How should I avoid credit card fraud?

How are ME credit cards rated?

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.

ME credit cards

Overall 8.0

Price

Features

Customer service

Convenience

Trust

200 Reviews

Recent ME credit card reviews Recent ME credit card reviews

ME

ME credit card review

Overall rating   6 / 10

Great

They answer the phone quickly.

Full review

They answer the phone quickly.

    Price   8 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   4 / 10

    Trust   7 / 10

Less

Sharon, Victoria, reviewed about 22 hours ago

ME

ME credit card review

Overall rating   6 / 10

Good customer service

You do not get any unwanted fees.

Full review

You do not get any unwanted fees.

    Price   7 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   8 / 10

Less

Sharon, Victoria, reviewed about 22 hours ago

ME

ME credit card review

Overall rating   10 / 10

Great customer service

Very helpful.

Full review

Very helpful.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Terry, Queensland, reviewed 6 days ago

ME

ME frank Credit Card credit card review

Overall rating   9 / 10

Competitive rates and great customer service!

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....

Full review

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.

    Price   8 / 10

Less

Chloe, Victoria, reviewed about 1 year ago

ME

ME frank Credit Card credit card review

Overall rating   9 / 10

Competitive rates and fast friendly service

Always helpful with queries, friendly and fast customer service.

Full review

Always helpful with queries, friendly and fast customer service.

    Price   9 / 10

Less

Jade, Victoria, reviewed over 1 year ago

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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.

What do you need to apply for a ME credit card? What do you need to apply for a ME credit card?

Ready to apply? First things first, you’ll need to:

  • Be an Australian citizen or permanent resident
  • Not be a US citizen or eligible to pay US taxes
  • Be at least 18 years old
  • Have a good credit rating

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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