ME credit card reviews

ME
ME's overall rating for credit cards

(as rated by the Mozo community)

7.6 / 10

based on 47 reviews

Price

Features

Customer service

Convenience

Trust

Featured credit card from ME

Recent ME credit card reviews

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

    Features   / 10

    Customer service   / 10

    Convenience   / 10

    Trust   / 10

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Chloe (VIC), reviewed 5 months 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 (QLD), reviewed about 1 year 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 (NSW), reviewed almost 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 (WA), reviewed almost 2 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 (QLD), reviewed almost 2 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 (WA), reviewed about 2 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 (VIC), reviewed about 2 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 (VIC), reviewed over 2 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 !

    Price   -1 / 10

    Features   -1 / 10

    Customer service   -1 / 10

    Convenience   -1 / 10

    Trust   -1 / 10

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Glenn (NSW), reviewed over 2 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 (QLD), reviewed over 2 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 (QLD), reviewed over 2 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 (VIC), reviewed over 2 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 (VIC), reviewed over 2 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 (VIC), reviewed over 2 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 (VIC), reviewed over 2 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 (VIC), reviewed over 2 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 (NSW), reviewed over 2 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 (QLD), reviewed almost 3 years ago

ME

ME credit card review

Overall rating   10 / 10

Great customer service

I recently had my credit card stolen in San Francisco. ME Bank Staff were exceptional in their support and efficiency.

Full review

I recently had my credit card stolen in San Francisco. ME Bank Staff were exceptional in their support and efficiency.

    Price   7 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Robert (SA), reviewed almost 3 years ago

ME

ME credit card review

Overall rating   9 / 10

Safe and secure credit card service

ME Bank Master Card service is excellent. When my card was compromised, the bank alerted me to the situation because they recognised that the use to which the card was being put was 'out of character'. This indicates that they are vigilant and...

Full review

ME Bank Master Card service is excellent. When my card was compromised, the bank alerted me to the situation because they recognised that the use to which the card was being put was 'out of character'. This indicates that they are vigilant and that is reassuring especially with so many scams being used. However, they did try to charge me twice for a late payment [a payment that was delayed because of moving interstate]. When challenged, the second amount was refunded without delay.

    Price   5 / 10

    Features   0 / 10

    Customer service   9 / 10

    Convenience   2 / 10

    Trust   10 / 10

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Lorraine (NSW), reviewed about 3 years ago

ME

ME frank Credit Card credit card review

Overall rating   10 / 10

Quick service

I recently lost my credit card and called ME Bank to cancel it. I wanted to transfer funds to this card. A customer service officer arranged a request on my behalf to their admin area to finalise the transfer to my card. I was worried about...

Full review

I recently lost my credit card and called ME Bank to cancel it. I wanted to transfer funds to this card. A customer service officer arranged a request on my behalf to their admin area to finalise the transfer to my card. I was worried about incurring fees regarding this transaction as it could be a day late. The customer service officer assured me this would not be applied and made notes to ensure this would not occur and why this payment may be late. Very happy about the service and information about the time frame of new card to be sent out. I have received within the time frame advised. Thanks again Me Bank.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Themis (QLD), reviewed about 3 years ago

ME

ME credit card review

Overall rating   6 / 10

Pretty good but can improve

Pretty good. I like the online banking feature of being able to email questions rather than needing to ring. Late payment fees are a bit hefty though.

Full review

Pretty good. I like the online banking feature of being able to email questions rather than needing to ring. Late payment fees are a bit hefty though.

    Price   7 / 10

    Features   6 / 10

    Customer service   6 / 10

    Convenience   6 / 10

    Trust   6 / 10

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Kristy , reviewed about 3 years ago

ME

ME credit card review

Overall rating   7 / 10

No annual fees, you beauty!

I like this bank very much.The only small criticism is that they don't have any suburban branches, however we rarely need to use a branch.

Full review

I like this bank very much.The only small criticism is that they don't have any suburban branches, however we rarely need to use a branch.

    Price   7 / 10

    Features   6 / 10

    Customer service   6 / 10

    Convenience   6 / 10

    Trust   5 / 10

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Vicki (VIC), reviewed about 3 years ago

ME

ME frank Credit Card credit card review

Overall rating   9 / 10

As above

ME are a great bank, always picking and ringing even on weekends if they think something is not right. Always helpful on the phone and very rarely have to wait to talk to someone.

Full review

ME are a great bank, always picking and ringing even on weekends if they think something is not right. Always helpful on the phone and very rarely have to wait to talk to someone.

    Price   8 / 10

    Features   3 / 10

    Customer service   10 / 10

    Convenience   7 / 10

    Trust   10 / 10

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Chris (VIC), reviewed over 3 years ago

ME

ME credit card review

Overall rating   10 / 10

Customer Service

Everything can be done on line or by phone.

Full review

Everything can be done on line or by phone.

    Price   9 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Linda (QLD), 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 2016

    American Express Explorer® Credit Card

    American Express Explorer® Credit Card

    • Receive 50,000 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 50,000 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

    7.3

    Based on 255 American Express credit card reviews

    Need more information?
    Go to site

    More info

  • ANZ Frequent Flyer Black

    ANZ Frequent Flyer Black

    • 75,000 bonus Qantas Points when you spend $2,500 on eligible purchases in the first 3 months
    • No annual fee for the first year
    • 75 bonus Status Credits when you buy and fly return with Qantas by 31 May 2018. Apply and be approved by 24 Jan 2018

    balance transfer rate

    No current offer

    purchase rate

    19.99% p.a.

    annual fee

    $425 $0 in the first 1 year