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ME frank Credit Card

Purchase rate
11.99% p.a.
Balance transfer rate
No current offer
Annual fees
$0
Interest free days on purchases
55
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Mozo editorial review ME frank Credit Card

Last updated: 6 July 2020.

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What's hot
  • 11.99% p.a. purchase and cash advance rate
  • No annual fee
  • Up to 55 days interest free
  • Multiple 2019 Mozo Experts Choice Award winner
What's not
  • $10 late payment fee
Mozo snapshot

If you're after a credit card with no hidden catches then we'd like to introduce you to frank, the low rate card from ME. Everything about frank is black and white, from the low 11.99% interest rate for both purchases and cash advances, to the 55 day interest free period and its $0 annual fee. It's also a multiple 2019 Mozo Experts Choice Award winner for best No Annual Fee Credit Card and best Low Rate Travel Credit Card

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Key features

frank is the sort of guy you want to carry around with you on a shopping spree. He's got a very generous 55 interest free days (as long as you pay your balance off in full by the payment date) and even if you do occasionally overspend and can't pay back purchases in full by month's end, the low 11.99% p.a. interest rate will mean that you're not putting all of your repayments towards interest. 

While you'll also only be charged 11.99% p.a. on cash advances, there is an additional cash advance fee of $4 or 2% of the cash advance rate which ever is greater. And while frank is generous with interest free days on purchases, be aware that with any cash advance you will start paying interest immediately.

frank comes chip enabled and so when you're out shopping in Australia you can Tap & Go with MasterCard payPass for purchases under $100. Frank also comes with good online security via MasterCard’s SecureCode and Zero Liability protection for extra peace of mind.

You can also take frank with you overseas but keep in mind that any overseas purchases made in person or online will incur a 2.3% international transaction fee of the Australian dollar amount. 

frank doesn't like tardiness so if you are late or miss with a payment you will be hit with a $10 late payment fee. This can be easily avoided if you set up automatic repayments. 

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Who is it good for

frank won't cost you a cent to keep in your wallet so he is ideal for shoppers looking for a no frills credit card for everyday spending. 


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Any catches

If frank gets lost or stolen, there is a $20 emergency replacement card fee to have it couriered in Australia and a whopping $100 fee if you’re overseas.

Like all credit cards, the 55 day interest free period only applies if you pay your balance in full by the due date each month.


Details

Rates and fees information correct as at 10 July 2020 Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 11.99% p.a.

  • none

  • No current offer

  • none

  • 11.99% p.a.

  • 55

Fees
  • $0.00

  • none

  • none

  • none

  • $10.00

  • 2%, Min $4.00

  • 2.30%

  • $5.00

  • $10.00

  • $0.00

Features
  • $10.00

  • 3.0

  • 8

  • none

Payment options

Apple Pay

Customer Reviews

How are ME credit cards rated by the Mozo community?

Overall customer rating
8.0/10

Based on 208 ME credit card reviews

Price
8.1/10
Features
6.0/10
Customer service
8.0/10
Convenience
7.5/10
Trust
8.3/10

Latest reviews of ME frank Credit Card

  • Overall 10/10
    Lowest rate ever and the best credit card.

    I got this ME Credit card soon after my heart operation. I never expected to get a limit of $9400, however I used it to go on my life long dream to USA for the first time in 55 years of life, I am thankful for that for ME Bank and the best news is I am still on 9,99% into charge. Now I do have transferred my super to Hostplus who is part of ME Bank.

    Read full review

    I got this ME Credit card soon after my heart operation. I never expected to get a limit of $9400, however I used it to go on my life long dream to USA for the first time in 55 years of life, I am thankful for that for ME Bank and the best news is I am still on 9,99% into charge. Now I do have transferred my super to Hostplus who is part of ME Bank.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Pulahinge, Queensland reviewed 18 days ago
  • Overall 10/10
    Great.

    A+++++++++ bank.

    Read full review

    A+++++++++ bank.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Raquel, Western Australia reviewed 8 months ago
  • Overall 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. However overall - I am very satisfied with the customer service of ME bank and have found their rates to be very competitive.

    Read 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
    Features
    -
    Customer service
    -
    Convenience
    -
    Trust
    -
    Less
    Chloe, Victoria reviewed almost 3 years ago
  • Overall 9/10
    Competitive rates and fast friendly service

    Always helpful with queries, friendly and fast customer service.

    Read full review

    Always helpful with queries, friendly and fast customer service.

    Price
    9/10
    Features
    -
    Customer service
    -
    Convenience
    -
    Trust
    -
    Less
    Jade, Victoria reviewed over 3 years ago
  • Overall 9/10
    Great rate and service is the best!

    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.

    Read full review

    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.

    Price
    10/10
    Features
    9/10
    Customer service
    8/10
    Convenience
    8/10
    Trust
    9/10
    Less
    Darren, Queensland reviewed over 3 years ago
ME

About ME

ME stands for a new kind of banking - one that's fairer, more transparent and is committed to great deals for its customers. ME was created by Australia's leading super funds and has award-winning home loans and term deposits, low-cost savings accounts, country-wide ATM access and banking experts that come to you at your convenience.

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