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, Google Pay, Samsung Pay
Easy to obtain and use, great customer service and competitive fee rates.
Read full reviewEasy to obtain and use, great customer service and competitive fee rates.
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.
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0% p.a. for 25 months and then 21.74% p.a.
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HSBC
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