ME credit card reviews

ME
ME's overall rating for credit cards

(as rated by the Mozo community)

8.0 / 10

based on 204 reviews

Price

Features

Customer service

Convenience

Trust

Featured credit card from ME

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

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Sharon, Victoria, reviewed about 2 months 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

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Sharon, Victoria, reviewed about 2 months 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

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Terry, Queensland, reviewed about 2 months 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

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Chloe, Victoria, reviewed over 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

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Jade, Victoria, reviewed over 1 year ago

ME

ME frank Credit Card credit card review

Overall rating   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.

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

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Darren, Queensland, reviewed about 2 years ago

ME

ME credit card review

Overall rating   10 / 10

Fantastic

Been with ME over 10 years, excellent service.

Full review

Been with ME over 10 years, excellent service.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Helen, New South Wales, reviewed over 2 years ago

ME

ME frank Credit Card credit card review

Overall rating   0 / 10

Suspicious & poor service

Something dodgy going on here. I have a great credit history, plenty of cashflow, very small mortgage and was flat out declined. They refused to explain. Was just trying to avoid annual fees for a low spend credit card used for internet shopping....

Full review

Something dodgy going on here. I have a great credit history, plenty of cashflow, very small mortgage and was flat out declined. They refused to explain. Was just trying to avoid annual fees for a low spend credit card used for internet shopping. I suspect they are not interested in anyone who will pay off their balance each month. I'll stick with the big banks thanks and pay a small fee.

    Price   0 / 10

    Features   0 / 10

    Customer service   0 / 10

    Convenience   0 / 10

    Trust   0 / 10

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Nick, Western Australia, reviewed almost 3 years ago

ME

ME frank Credit Card credit card review

Overall rating   8 / 10

Excellent

Excellent system, easy to understand. Customer service always to high standard.

Full review

Excellent system, easy to understand. Customer service always to high standard.

    Price   8 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   8 / 10

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Nathan, Queensland, reviewed almost 3 years ago

ME

ME frank Credit Card credit card review

Overall rating   10 / 10

Get the last dress left without the hefty interest

Very low interest and no charges!

Full review

Very low interest and no charges!

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Alishia, Western Australia, reviewed almost 3 years ago

ME

ME frank Credit Card credit card review

Overall rating   0 / 10

Something very fishy

Applied for a ME Bank credit card via an email from my super Fund CBUS. I own 2 properties worth well over 1 million $ in value, have been full time employed for the past 30 years with no debts to my name at all with a very steady income of around...

Full review

Applied for a ME Bank credit card via an email from my super Fund CBUS. I own 2 properties worth well over 1 million $ in value, have been full time employed for the past 30 years with no debts to my name at all with a very steady income of around $90,000 per year. They have rejected my application. My current credit card is with one of the big 4 banks has a balance of $0 which when I do use it is paid off by direct debit so I never incur any interest costs. Trying to avoid the yearly fee I currently incur with my current Credit card I liked the sound of a no annual fee credit card, tried to call to discuss WHY and they would not discuss. Do they only want vulnerable people with large mortgages and poor credit history on their books?

    Price   0 / 10

    Features   0 / 10

    Customer service   0 / 10

    Convenience   0 / 10

    Trust   0 / 10

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Neil, Victoria, reviewed about 3 years ago

ME

ME frank Credit Card credit card review

Overall rating   6 / 10

im very happy with them they are always willing to

there good

Full review

there good

    Price   6 / 10

    Features   6 / 10

    Customer service   5 / 10

    Convenience   6 / 10

    Trust   6 / 10

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Vicky, New South Wales, reviewed about 3 years ago

ME

ME frank Credit Card credit card review

Overall rating   10 / 10

Good products at great prices

Friendly, efficient telephone service. Quick to respond to needs. Always changing products to meet demand. Basic products with good value. Unfortunately no branch network.

Full review

Friendly, efficient telephone service. Quick to respond to needs. Always changing products to meet demand. Basic products with good value. Unfortunately no branch network.

    Price   10 / 10

    Features   7 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Claude, Victoria, reviewed about 3 years ago

ME

ME frank Credit Card credit card review

Overall rating   0 / 10

ME credit card applications. Forget it !

I decided to apply for a ME credit card so I could reduce the amount of interest I pay. I currently have an ANZ card. Sounds like a good idea? Anyway, the credit card application process with ME has been protracted to say the least. Every day...

Full review

I decided to apply for a ME credit card so I could reduce the amount of interest I pay. I currently have an ANZ card. Sounds like a good idea? Anyway, the credit card application process with ME has been protracted to say the least. Every day (literally) for the past week they have called me requiring additional information. I own my own house in Sydney and earn more than a $100k a year but have been put through the hoops in this application process. Today's call was a request for yet another copy of a tax return. This time for the 2013 financial year. I said to the customer service person "why do you need this when you already have my 2014 return?" the answer from their customer service person was" It's our policy". I replied... "I am not applying for a home loan just a simple low rate credit card to replace the one I have with another bank". So, it's been more than a week since my application and I still have no confirmation of a credit card approval. So much for their advertising! It shouldn't be that hard !

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Glenn, New South Wales, reviewed about 3 years ago

ME

ME credit card review

Overall rating   9 / 10

ME is the bank for real Australians

They are friendly, offer great service and always willing to quickly assist and answer questions .

Full review

They are friendly, offer great service and always willing to quickly assist and answer questions .

    Price   9 / 10

    Features   9 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   9 / 10

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Brian, Queensland, reviewed over 3 years ago

ME

ME frank Credit Card credit card review

Overall rating   10 / 10

Moneysavers

Good value.

Full review

Good value.

    Price   9 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Ken, Queensland, reviewed over 3 years ago

ME

ME credit card review

Overall rating   9 / 10

Low rate, great security, customer service

Low interest rate, no rewards programme to pay for via the usual higher interest rate. Online banking the best. Also have terrific fraudulent surveillance in place stopping the misuse of credit cards and following up customers needs when this...

Full review

Low interest rate, no rewards programme to pay for via the usual higher interest rate. Online banking the best. Also have terrific fraudulent surveillance in place stopping the misuse of credit cards and following up customers needs when this is detected.

    Price   9 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Philip, Victoria, reviewed over 3 years ago

ME

ME credit card review

Overall rating   10 / 10

9.99% low interest rate and good company values

I've already got a number of accounts with ME (savings, Term Deposit and Joint Savings). I made these decisions because my values of supporting Aussie based businesses that provide genuine customer care and do not invest heavily in the coal...

Full review

I've already got a number of accounts with ME (savings, Term Deposit and Joint Savings). I made these decisions because my values of supporting Aussie based businesses that provide genuine customer care and do not invest heavily in the coal industry Green are in sync with ME Bank. When I realised that they also offered a Credit card that had just a 9.99% low interest rate, no annual fees and up to 55 days interest free on purchases, I took up their credit card product and deleted my other credit card activity.

    Price   10 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Tamara, Victoria, reviewed over 3 years ago

ME

ME frank Credit Card credit card review

Overall rating   8 / 10

Reasonable rates

Reasonable rates

Full review

Reasonable rates

    Price   8 / 10

    Features   7 / 10

    Customer service   7 / 10

    Convenience   8 / 10

    Trust   9 / 10

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Gerald, Tasmania, reviewed over 3 years ago

ME

ME frank Credit Card credit card review

Overall rating   7 / 10

Easy to deal with

ME Bank have given me good service for a long time.

Full review

ME Bank have given me good service for a long time.

    Price   5 / 10

    Features   5 / 10

    Customer service   7 / 10

    Convenience   7 / 10

    Trust   7 / 10

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Glenn, Victoria, reviewed over 3 years ago

ME

ME frank Credit Card credit card review

Overall rating   7 / 10

Great card

Great card

Full review

Great card

    Price   7 / 10

    Features   7 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   7 / 10

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Tina, Victoria, reviewed over 3 years ago

ME

ME credit card review

Overall rating   10 / 10

Excellent personnel, reasonable rates

Polite and helpful staff.

Full review

Polite and helpful staff.

    Price   8 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   9 / 10

    Trust   10 / 10

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Fran, Victoria, reviewed over 3 years ago

ME

ME credit card review

Overall rating   10 / 10

Trustworthy

The bank that is owned by its members.

Full review

The bank that is owned by its members.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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John, Victoria, reviewed over 3 years ago

ME

ME frank Credit Card credit card review

Overall rating   1 / 10

Horrible and terrible experince

How long does it take to approve a Credit card, I have applied for a $1000 Cr card about a month ago, took them 3 weeks to return my calls . I have rang them several times at first to see the progress of my application . They kept on saying some...

Full review

How long does it take to approve a Credit card, I have applied for a $1000 Cr card about a month ago, took them 3 weeks to return my calls . I have rang them several times at first to see the progress of my application . They kept on saying some one will be in touch soon which didn't happen for over 3 weeks. Only received a txt. After waiting for 33 mins on hold, someone advised my application has been pre approved. Asked the operator why it took so long when other banks only takes 15 mins to pre approve a Credit card application. No reasonable explanation from MeBANK !!!! Ph Operators require more training as they failed to answer my questions and kept on repeating themselves. I have now sent them proof of identity. Only god knows how long it will take for them to actually send me the Credit card. Not recommending to anyone. Cheap interest rate comes with a horrible and terrible experience.

    Price   2 / 10

    Features   1 / 10

    Customer service   0 / 10

    Convenience   0 / 10

    Trust   1 / 10

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Kam, New South Wales, reviewed over 3 years ago

ME

ME frank Credit Card credit card review

Overall rating   1 / 10

Avoid like the plague

By far the worst Credit card for showing pending transactions (they don't exist), payments take up to a week or more to appear and the balances never match up. They take the interest from the account on the 15th but it won't show in the...

Full review

By far the worst Credit card for showing pending transactions (they don't exist), payments take up to a week or more to appear and the balances never match up. They take the interest from the account on the 15th but it won't show in the transaction list for another 2 weeks, almost impossible to keep track of. Also the balance changes daily due to them taking daily interest off on top of the monthly interest, that doesn't appear until 2 weeks after it went from you balance.....by far the worst card I've ever had.

    Price   10 / 10

    Features   4 / 10

    Customer service   4 / 10

    Convenience   4 / 10

    Trust   4 / 10

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Moocow, Queensland, reviewed over 3 years ago

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.

Credit card comparisons on Mozo - rates updated daily

  • MOZO EXPERTS CHOICE AWARDS 2018

    American Express Explorer® Credit Card

    American Express Explorer® Credit Card

    • Receive 100,000 Membership Rewards® Points (T&Cs apply).
    • $400 in Travel Credit each year.
    • Up to 2 Membership Rewards points per $1 spent.

    balance transfer rate

    0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

    purchase rate

    20.74% p.a.

    annual fee

    $395

    Go to site

    More info

    • Receive 100,000 Membership Rewards® Points (T&Cs apply).
    • $400 in Travel Credit each year.
    • Up to 2 Membership Rewards points per $1 spent.
    • Balance transfer rate: 0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)
    • Annual fee: $395
    • Purchase rate: 20.74% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals:
    • Fee for cash withdrawals:
    • Rewards description: Transfer points to a range of airline programs or redeem your points for travel, gift cards, retail rewards and shopping gift cards.
    Overall rating

    6.6

    Based on 863 American Express credit card reviews

    Need more information?
    Go to site

    More info

  • Woolworths Everyday Platinum Credit Card

    Woolworths Everyday Platinum Credit Card

    • Redeem your credit card points for Woolworths shopping cards
    • $50 Woolies eGift Card when you spend $150 a month for 3 months
    • $0 annual fee for the first year (saving $49)

    balance transfer rate

    0% p.a. for 14 months and then 21.99% p.a.

    purchase rate

    19.99% p.a.

    annual fee

    $49 $0 in the first year

    Go to site

    More info

    • Redeem your credit card points for Woolworths shopping cards
    • $50 Woolies eGift Card when you spend $150 a month for 3 months
    • $0 annual fee for the first year (saving $49)
    • Balance transfer rate: 0% p.a. for 14 months and then 21.99% p.a.
    • Annual fee: $49 $0 in the first year
    • Purchase rate: 19.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.99% p.a.
    • Fee for cash withdrawals: 3%, minimum $5
    • Rewards description: Woolworths Money Shopping Card sent every 4 months if enough points have been accrued.
    Overall rating

    6.3

    Based on 181 Woolworths credit card reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2018

    Australian Military Bank Low Rate Visa Credit Card

    Australian Military Bank Low Rate Visa Credit Card

    • $0 additional cardholder fee
    • Up to 55 days interest free on purchases
    • Visa payWave for convenient contactless purchases under $100

    balance transfer rate

    0% p.a. for 12 months and then 10.99% p.a.

    purchase rate

    10.99% p.a.

    annual fee

    $49

    Go to site

    More info

    • $0 additional cardholder fee
    • Up to 55 days interest free on purchases
    • Visa payWave for convenient contactless purchases under $100
    • Balance transfer rate: 0% p.a. for 12 months and then 10.99% p.a.
    • Annual fee: $49
    • Purchase rate: 10.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 19.99% p.a.
    • Fee for cash withdrawals: $4.50
    • Rewards description:
    Overall rating

    7.3

    Based on 45 Australian Military Bank credit card reviews

    Need more information?
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    More info

  • MOZO EXPERTS CHOICE AWARDS 2018

    Westpac Altitude Black with American Express (Qantas Frequent Flyer)

    Westpac Altitude Black with American Express (Qantas Frequent Flyer)

    • Earn 0.75 Qantas points per $1 spent on eligible purchases
    • 120k Bonus Points (T&Cs apply)
    • Dedicated Westpac Concierge service and access to exclusive Black Card Concierge App

    balance transfer rate

    No current offer

    purchase rate

    20.24% p.a.

    annual fee

    $499 $300 in the first year

    Go to site

    More info

    • Earn 0.75 Qantas points per $1 spent on eligible purchases
    • 120k Bonus Points (T&Cs apply)
    • Dedicated Westpac Concierge service and access to exclusive Black Card Concierge App
    • Balance transfer rate: No current offer
    • Annual fee: $499 $300 in the first year
    • Purchase rate: 20.24% p.a.
    • Interest free days: 45
    • Interest rate on cash withdrawals: 20.74% p.a.
    • Fee for cash withdrawals: 2%, Min $2.50, Max $150
    • Rewards description: Points are automatically credited to the Qantas Frequent Flyer program.
    Overall rating

    6.8

    Based on 4540 Westpac credit card reviews

    Need more information?
    Go to site

    More info

  • Bendigo Bank Low Rate Platinum Mastercard

    Bendigo Bank Low Rate Platinum Mastercard

    • Up to 55 days interest free
    • Purchase interest rate 11.99% p.a.
    • Extended warranty on purchases

    balance transfer rate

    No current offer

    purchase rate

    11.99% p.a.

    annual fee

    $89

    Go to site

    More info

    • Up to 55 days interest free
    • Purchase interest rate 11.99% p.a.
    • Extended warranty on purchases
    • Balance transfer rate: No current offer
    • Annual fee: $89
    • Purchase rate: 11.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 13.99% p.a.
    • Fee for cash withdrawals: 0.50%, Min $3.25
    • Rewards description:
    Overall rating

    8.1

    Based on 541 Bendigo Bank credit card reviews

    Need more information?
    Go to site

    More info

**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.

Want more? Compare all 218 credit cards in the Mozo comparison engine.

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**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.

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