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 2020 Mozo Experts Choice Award winner for best No Annual Fee Credit Card.
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.
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 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.
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.
11.99% p.a.
none
No current offer
none
11.99% p.a.
55
$0.00
none
none
none
$10.00
2%, Min $4.00
2.30%
$5.00
$10.00
$0.00
$10.00
3.0
8
none
Apple Pay
It's a good no fuss no bother low interest rate card. Very pleased. Good response from customer service personnel when contacted.
Read full reviewIt's a good no fuss no bother low interest rate card. Very pleased. Good response from customer service personnel when contacted.
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 reviewI 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.
A+++++++++ bank.
Read full reviewA+++++++++ bank.
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 reviewI 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.
Always helpful with queries, friendly and fast customer service.
Read full reviewAlways helpful with queries, friendly and fast customer service.
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.
See ME credit cards
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11.99% p.a.
0% p.a. for 24 months and then 11.99% p.a. (2.00% balance transfer fee)
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0% p.a. for 15 months and then 9.90% p.a.
$49 $0 in the first year
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13.74% p.a.
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
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0% p.a. for 6 months and then 22.24% p.a.
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3.99% p.a. for 6 months then 8.99% p.a.
3.99% p.a. for 6 months and then 8.99% p.a.
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19.99% p.a.
0% p.a. for 36 months and then 21.99% p.a.
$129 $29 in the first 0 years
Rewards Plus
American Express
Cashback Credit Card
Cashback Rewards
$120
No current offer
1 point uncapped
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Altitude Rewards
$150 $99 in the first year
80,000
1 point uncapped
American Express
Qantas Discovery Card
Qantas Frequent Flyer
$0
No current offer
0.75 points uncapped
NAB
Qantas Rewards Signature Card
Qantas Frequent Flyer
$395 $295 in the first year
110,000
1 point up to $5,000/month, then
0.5 points up to $20,000/month
American Express
Velocity Escape Card
Velocity Frequent Flyer
$0
No current offer
0.75 points uncapped
NAB
Qantas Rewards Premium Card
Qantas Frequent Flyer
$250
30,000
0.66 points up to $3,000/month, then
0.33 points up to $6,000/month
Bendigo Bank
Low Rate Credit Card
0% p.a. for 24 months and then 11.99% p.a. (2.00% balance transfer fee)
11.99% p.a.
$45
Westpac
Low Rate
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
13.74% p.a.
$59 $0 in the first year
HSBC
Platinum Credit Card
0% p.a. for 36 months and then 21.99% p.a.
19.99% p.a.
$129 $29 in the first 0 years
Rewards Plus
Bankwest
Zero Mastercard
0% p.a. for 26 months and then 14.99% p.a. (2.00% balance transfer fee)
14.99% p.a.
$0
St.George
Amplify Platinum
0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee)
19.74% p.a.
$99
Amplify Rewards
Bankwest
Zero Platinum Mastercard
0% p.a. for 26 months and then 14.99% p.a. (2.00% balance transfer fee)
14.99% p.a.
$0
NAB
Low Rate Card
0% p.a. for 26 months and then 21.74% p.a. (2.00% balance transfer fee)
12.99% p.a.
$59 $0 in the first year
Bendigo Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 24 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
Citi
Simplicity Credit Card
0% p.a. for 6 months then 21.49% p.a.
0% p.a. for 6 months and then 22.24% p.a.
$0
Defence Bank
Foundation Credit Card
3.99% p.a. for 6 months then 8.99% p.a.
3.99% p.a. for 6 months and then 8.99% p.a.
$45
Westpac
Low Rate
13.74% p.a.
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
$59 $0 in the first year
Citi
Rewards Credit Card
21.49% p.a.
0% p.a. for 30 months and then 22.24% p.a.
$149 $49 in the first year
Bankwest
Breeze Mastercard
0% p.a. for 15 months then 9.90% p.a.
0% p.a. for 15 months and then 9.90% p.a.
$49 $0 in the first year
Citi
Simplicity Credit Card
0% p.a. for 6 months then 21.49% p.a.
0% p.a. for 6 months and then 22.24% p.a.
$0
Defence Bank
Foundation Credit Card
3.99% p.a. for 6 months then 8.99% p.a.
3.99% p.a. for 6 months and then 8.99% p.a.
$45
Bankwest
Breeze Platinum Mastercard
0% p.a. for 15 months then 9.90% p.a.
0% p.a. for 15 months and then 9.90% p.a.
$69 $0 in the first year
St.George
No Annual Fee
0% p.a. for 12 months then 20.74% p.a.
6.99% p.a. for 12 months and then 21.49% p.a.
$0
NAB
StraightUp Card
0% p.a.
No current offer
$120 $10/month - waived if no spend & no balance owing
BankSA
No Annual Fee
0% p.a. for 12 months then 20.74% p.a.
6.99% p.a. for 12 months and then 21.49% p.a.
$0
