frank Credit Card card image

ME frank Credit Card

Advertiser disclosure
Purchase rate
11.99% p.a.
Balance transfer rate
No current offer
Annual fees
Interest free days on purchases

Mozo editorial review ME frank Credit Card - last updated: 15 October 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
  • 2020 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 2020 Mozo Experts Choice Award winner for best No Annual Fee 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. 

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.


Rates and fees information correct as at 20 August 2022 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.

11.99% p.a.


No current offer


11.99% p.a.








2%, Min $4.00










Payment options

Apple Pay, Google Pay, Samsung Pay

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