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ME Frank Credit Card

23 reviews

Purchase rate

11.99% p.a.

Balance transfer

N/A

Annual fee

$0 p.a.
0% Complete (success)

Pros

A low standard purchase, cash advance and balance transfer

Up to 55 day interest free on purchases

No credit card annual fee

Cons

Minimum income of $25,000 p.a. is required. This is quite high for a low rate card

ME Frank Credit Card

The ME Frank card cuts all the confusion with its simple approach to interest rates. With Frank you get a low 11.99% p.a. on purchases, balance transfer and cash advances. Enjoy as many as eight additional cardholders at no cost with up to 55 days interest free on purchases (if you pay your balance off by the due date each month). All this wrapped up with no annual fee that offers access to Mastercard SecureCode for online purchasing, and worldwide assistance. Minimum income of $25,000 required to apply.

Key features

  • Low variable interest rate of 11.99% p.a. on purchases, cash advances and balance transfers.
  • Add up to 8 extra cardholders free of charge
  • No credit card annual fee
  • Up to 55 day interest free on purchases
  • Use tap & go™ for purchases under $100 with Mastercard
custom Image

No annual fee card

This card comes with no annual fee ever and you can add up to 8 additional card holders at no extra cost.

  • Rates
    74%
  • Fees
    82%
  • Rewards
    N/A
  • Customer Service
    76%
  • Value
    74%
83% of customers who have rated this card would recommend it
Overall customer rating 78%
23 reviews

0% Visitor | 11 December 2018

This credit card was an absolute disaster for me. From the moment of applying to trying to cancel the card, everything was a major hassle. I needed a credit card as I was travelling overseas for hotel bookings, and after shopping around, this card seemed to be very competitive. An early warning sign was the application process. Long story short, I ended up having to fax documents because Mebank emailing and online services are just not reliable. I applied for a credit limit of $5,000 as credit providers often knock back small limits since they make no money off them, however my request was ignored and I received just a $1,500 limit, which whilst not an issue was perplexing. This is where my real problems started. Once I arrived overseas, my pin code didn't work. I tried to access my account overseas to fix the issue, my Customer ID (which I had in writing from Mebank) and my date of birth (which I obviously know pretty well) would not work as credentials to log in. Upon returning home, and speaking with phone support, the 'incorrect credentials' I used overseas to try log into my account matched their records, perplexing to say the least. I tried to call overseas support, natually because my credentials were incorrect, I could not get past the voice prompter. Upon trying to cancel my account, the phone operator closed my account without even explaining that I could now not pay my balance off with a cheque, instead I had to now go back to my other bank and set up BPAY for just one transaction, so another hour of my life to go to the bank to arrange this my account was in view only mode as I have no other use for BPAY. The phone operator said I would receive an email instantly advising that the credit card and account are closed. That was three days ago, still waiting. Before closing my account, whilst I could see my amount owing, I was not able to actually view the transactions as they were 'not available', therefore I have no way of reviewing if the charges are legitimate. Thanks, but next time I need a credit card I might go elsewhere.

Does not recommend this card

98% Visitor | 28 October 2017

The site reviewer does not acknowledge that Union Members get an even lower rate. 9.99%

Recommends this card

Interest Rates
Purchase rate 11.99% p.a.
Cash advance rate 11.99% p.a.
Interest free on purchases up to 55 days
Balance Transfer
Credit limits
Minimum credit limit $1,000
Maximum credit limit $15,000
Fees & repayments
Annual fee $0 p.a.
Additional cardholder fee Up to 8 at no extra cost
Cash advance fee 2%
Foreign transaction fee 2.3%
Minimum repayment 3%
Late payment fee $10
Credit card type Mastercard
Complimentary insurance
Flight inconvenience insurance No
Transport accident cover No
Smartphone screen insurance No
Purchase protection insurance No
Extended warranty insurance No
Rental vehicle excess cover No

The ME Frank card

Cut the nonsense, it’s time to get down to business. If you see life in strictly black and white, with no fuss and nonsense, then the ME Frank Credit Card could be for you. No introductory offers, no rewards, no fancy features: this is a card that gets straight to the point, and puts it all down in black and white.

As a cardholder, you can enjoy a low variable purchase rate of 11.99% p.a., a low cash advance rate of 11.99% p.a., and a low balance transfer rate of 11.99% p.a. Pretty easy to remember, right? On top of that, you pay no annual fee, ever. As a card that is super straightforward, it’s certainly easy to see why this card is a multi award winner.

Want to find out more? Let’s have a look.

What we love…

Unlike so many credit cards out there, the ME Frank Credit Card cuts all the frills, giving you only what you need. If you’re not interested in fancy features or rewards, there’s Frank. If you don’t want complicated introductory offers that get you all tangled up, there’s Frank. If you only want a low rate no annual fee card, then Frank’s your guy.

The low purchase rate of 11.99% p.a. places the ME Frank Credit Card firmly in the low interest rate card category. But, if you’re comparing low rate cards, you may notice that most of these cards – unlike Frank – also charge an annual fee. For example, the ANZ Low Rate Mastercard currently has a variable purchase rate of 13.49% p.a. with an annual fee of $58.

Then, if we look at comparable no annual fee cards, we generally see higher standard rates of interest on purchases. One such example would be the St. George No Annual Fee Credit Card, which obviously has no annual fee, but also has a current purchase rate of 20.49% p.a.

While we’re at it, we can also point out that unlike Frank’s cash advance rate of 11.99% p.a., the St. George card’s cash advance rate currently stands at 20.49% p.a. Now, in general, we don’t recommend using the cash advance feature as it can be pretty costly, but it’s good to know that (with its 11.99% p.a. balance transfer rate) Frank’s rates are low across the board.

What’s not so great…

We’re a bit stumped on this one. There’s not much we could come up with that’s negative. We have had some comments from people with good credit and high income that have been declined for the card. We don't know how they are scoring applications but there seems to be some difficultly in being approved. It’s worth looking closely at any fees that may apply to cash advances and transactions. Always read the small print, people.

Why should you choose this card?

If you want to pay low interest rates on purchases, cash advances and balance transfers, then the ME Frank Credit Card could be the perfect option. If you tend to carry a balance each month, this card will help to keep interest to a minimum.

On the other hand, if you pay off your balance, then it’s worth noting that the card also offers up to 55 days interest free on purchases. If you want to buy a fairly large purchase, you could have up to 55 days to pay it off before interest starts accruing.

If you don’t need features and rewards – and you don’t want to have to pay for them in annual fees – this is a great choice of card. Plus, you don’t have to worry about intro offers and what happens when they end. And if you so choose, you can add up to eight extra cardholders free of charge.

Overall Rating

This award-winner is an awesome no frills card, with low rates across the board – plus, no annual fee. This is a card that’s definitely worth looking in to.

137 questions (showing the latest 10 Q&As)

Judy

Judy

5 March 2019
Travelling overseas in Decemberto London and America f o r 3 weeks thought it may be worth getting Qantas points for flights. Unsure of the best type of card and if it's worth all of us getting a card
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    6 March 2019
    Hi Judy, I think looking at bonus points could be a good option. Have a look at our bonus points category. The right card will depend on how much you will spend on it each month. When travelling overseas then its a good idea to get a card that has no foreign fees. This is where the ANZ Rewards Travel Adventure could be the right card. It has no foreign fees, no overseas cash advance fees. It has good overseas travel insurance plus can earn you points.
rod

rod

15 February 2019
As my wife and I are on an age pension, which nets approx $2900.00 p/a, we own our home and contents and have 8 payments of $267.00 p/fortnight left to pay on car loan. We have been looking for a no frills c/c,low interest, no annual fee, that will also transfer approx $4200.00 from another card. Are we eligible to apply for ME card.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    15 February 2019
    Hi Rod, ME do not see the pension as income. Therefore they are not a possible solution for you. Also there is no balance transfer offer with this card. You just get the standard rate of 11.99% on any successful transfer. What card are you looking to transfer from? A balance transfer needs to be between different banks. I would suggest looking at some of the bigger banks e.g. Westpac Low Rate. No annual fee and balance transfers don't combine that well.
maria

maria

13 February 2019
does the offer for transfer balance from another card include American express as well thanks regards
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    14 February 2019
    Hi Maria, yes it would be possible to transfer AMEX, subject to credit approval. Though ME Frank has no special balance transfer rate. Any amount transferred would be at the regular purchase rate for this card. If balance transfer is a focus then have a look at the HSBC Platinum or Westpac Low Rate as 2 possibilities.
Peter

Peter

8 January 2019
Dear Sir, Can you tell me why i have been rejected as i have a VERY HIGH credit rating and have no debts to anybody and never missed any payments. Your are the first to ever knock me back and think your people do not do a very good background check of people status. Peter
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    9 January 2019
    Hi Peter, you will need to reach out to ME Bank directly to see why they rejected your application for the ME credit card. Credit regulations changed on the 1st Jan. Tightening the requirements and making it harder to get approved for credit cards. This could have had an impact.
Katrina

Katrina

13 December 2018
Hi Roland could you please tell me if frank credit card would consider my application when I am on a carers Pension I get $850 fortnight
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    13 December 2018
    Hi Katrina, ME Bank do not see the pension as income. Additionally the minimum income requirement is $25,000. At $850 a fortnight, that is $22,100 a year. I suggest that you look at ANZ Low Rate. They can see the pension as income plus this card has a minimum income of $15,000. Read through our credit card application tips.
Sharni

Sharni

10 December 2018
What is the interest rate after the 55 days free ?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    11 December 2018
    Hi Sharni, the standard interest rate on purchases is 11.99% p.a. on the ME Frank credit card.
Helene

Helene

20 November 2018
Is it ok that I keep this card just for overseas travel, as I am conservative and usually use only a debit card.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    21 November 2018
    Hi Helene, sure. As Frank has no annual fee. You can use it when you like. You will always need to make minimum payments if you have a balance.
Helen

Helen

30 October 2018
Does the card come in the card holders name. Can it be used for car hire which demand a credit card in drivers name.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    30 October 2018
    Hi Helen, yes, if you are approved then the card would be in your name. It can be used for a car hire or wherever Mastercard is accepted. All car hire companies accept Mastercard that I am aware of.
B G Harvey

B G Harvey

2 September 2018
can I have this card sent to the Sydney post office ,in martin place I put this order in about 4 weeks ago.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    3 September 2018
    Hi Ben, I am not sure if this is possible. Typically credit cards have to be delivered to the residential address specified in the application. I would give ME bank credit card customer service a call on 13 15 63. 4 weeks is a long time to wait for a credit card.
Jimmy Romanous

Jimmy Romanous

5 August 2018
Hi Roland. what does " min limit = $1000 " mean? with my current card, many months of the year I am below this $1000 min limit. With frank what does this balance translate to??? Best regards Jimmy
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    6 August 2018
    Hi Jimmy, minimum credit limit is the base level of credit that they can offer. That is, you cannot request a credit limit below $1,000. It has no impact on your actual balance.
Ray

Ray

30 July 2018
define union member for lower rate
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    31 July 2018
    Hi Ray, I am not sure what your question is on the ME Frank Card. There is a possibility to get a lower interest rate, or has been in the past. Though I cannot find the information on the ME Frank website.
Maureen Lim

Maureen Lim

29 July 2018
Hi, I will be getting the me card soon. how do i transfer balances from other credit card to me card?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    30 July 2018
    Hi Maureen, ME Frank does not have any special balance transfer offers. Any amount you transfer will be at the standard 11.99% p.a. Therefore it is best to use a 0% balance transfer credit card instead if you want to save more on interest. If you still want to balance transfer to ME Frank then give them a call on 13 15 63 - Monday to Friday 8am-8pm (AEST) Saturday 9am-5pm (AEST)
Sarah

Sarah

11 July 2018
Hi, I'm thinking of using this card to go overseas to Hong-Kong and China this year can you please clarify a few thing for me. If there are: Currency conversion fees? How do you work out the foreign exchange rate? International ATM withdrawal fees? Application fees? Keeping fees? I guess I'm also wondering if i can use this credit card to purchase things overseas like China and Hong-Kong? Please let me know if there are any other associated fees with this credit card for overseas use. Thankyou for you time :)
Sharon

Sharon

7 July 2018
What are the foreign transaction fees
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    8 July 2018
    Hi Sharon, with ME Frank they are 2.3% of the purchase amount.
Brian Miller

Brian Miller

24 June 2018
Hi Roland , I work part time and I receive the age pension , all up I bring in $39700 a year . Will my age pension be accepted as income ?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    26 June 2018
    Hi Brian, ME bank do not see the pension as income. Therefore you would need to earn $25,000 a year outside of the pension to apply. Have a look at the Virgin Low Rate offer. They do see the pension as income and minimum requirement is $35,000 a year.
Steven

Steven

15 June 2018
I have credit card with Coles MasterCard who has been taken over by Citi, can I transfer what I owe over to your card, I am on a disability pension and receive under your $25k per year am I still able to apply for Frank credit card?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    15 June 2018
    Hi Steven, you need to meet the minimum requirements to apply for a credit card. ME do not see the disability pension as income either. Have a look at the ANZ low rate as an option with a 0% balance transfer offer.
Hayden

Hayden

11 June 2018
Hi there just have a couple of question about the credit card. How long would it take to get it delivered and also would it cost alot to use overseas? Can you also cancel the card at anytime? thank you.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    12 June 2018
    Hi Hayden, it typically takes 5-10 business days to get a credit card. The ME Frank credit card does have foreign fee charges of 2.3%. If travelling its best to use a card that doesn't have this fee on purchases. Check out the 28 Degrees. You can cancel a credit card at any time you have a $0 balance or can pay it out.
  • Be over 18 years old
  • Good credit and not applied for multiple credit cards recently
  • Australian citizen or permanent resident
  • Minimum income of $25,000 p.a.
  • You have your personal details ready to complete the online application
ME Frank Credit Card
ME Frank Credit Card

ME Credit Cards

ME Frank Credit Card

22 March 2019

Purchase Rate (p.a)

11.99%

Balance Transfer (p.a)

N/A  

Annual Fee (p.a)

$0

$0

My transfer amount

Balance transfer from:

My annual fee

My interest rate

ME Frank Credit Card

The ME Frank card cuts all the confusion with its simple approach to interest rates. With Frank you get a low 11.99% p.a. on purchases, balance transfer and cash advances. Enjoy as many as eight additional cardholders at no cost with up to 55 days interest free on purchases (if you pay your balance off by the due date each month). All this wrapped up with no annual fee that offers access to Mastercard SecureCode for online purchasing, and worldwide assistance. Minimum income of $25,000 required to apply.

Key features

  • Low variable interest rate of 11.99% p.a. on purchases, cash advances and balance transfers.
  • Add up to 8 extra cardholders free of charge
  • No credit card annual fee
  • Up to 55 day interest free on purchases
  • Use tap & go™ for purchases under $100 with Mastercard

Customer Reviews

ME Frank Credit Card

78% rating based on 23 reviews

Rates
Fees
Rewards
Customer Service
Value

Rates & Fees

Interest rates

Purchase rate 11.99% p.a.

Cash advance rate 11.99% p.a.

Interest free on purchases up to 55 days

Credit limits

Minimum credit limt $1,000

Maximum credit limit $15,000

Fees & repayments

Annual fee $0 p.a.

Additional card holder fee Up to 8 at no extra cost

Foreign transaction fee 2.3%

Minimum repayment 3%

Cash advance fee 2%

Late payment fee $10

Additional features

Complimentary insurance

Overseas travel insurance No

Flight inconvenience insurance No

Transport accident cover No

Smartphone Screen Insurance No

Purchase protection insurance No

Extended warranty insurance No

Rental vehicle excess cover No

Our Review

Editor Review

The ME Frank card

Cut the nonsense, it’s time to get down to business. If you see life in strictly black and white, with no fuss and nonsense, then the ME Frank Credit Card could be for you. No introductory offers, no rewards, no fancy features: this is a card that gets straight to the point, and puts it all down in black and white.

As a cardholder, you can enjoy a low variable purchase rate of 11.99% p.a., a low cash advance rate of 11.99% p.a., and a low balance transfer rate of 11.99% p.a. Pretty easy to remember, right? On top of that, you pay no annual fee, ever. As a card that is super straightforward, it’s certainly easy to see why this card is a multi award winner.

Want to find out more? Let’s have a look.

What we love…

Unlike so many credit cards out there, the ME Frank Credit Card cuts all the frills, giving you only what you need. If you’re not interested in fancy features or rewards, there’s Frank. If you don’t want complicated introductory offers that get you all tangled up, there’s Frank. If you only want a low rate no annual fee card, then Frank’s your guy.

The low purchase rate of 11.99% p.a. places the ME Frank Credit Card firmly in the low interest rate card category. But, if you’re comparing low rate cards, you may notice that most of these cards – unlike Frank – also charge an annual fee. For example, the ANZ Low Rate Mastercard currently has a variable purchase rate of 13.49% p.a. with an annual fee of $58.

Then, if we look at comparable no annual fee cards, we generally see higher standard rates of interest on purchases. One such example would be the St. George No Annual Fee Credit Card, which obviously has no annual fee, but also has a current purchase rate of 20.49% p.a.

While we’re at it, we can also point out that unlike Frank’s cash advance rate of 11.99% p.a., the St. George card’s cash advance rate currently stands at 20.49% p.a. Now, in general, we don’t recommend using the cash advance feature as it can be pretty costly, but it’s good to know that (with its 11.99% p.a. balance transfer rate) Frank’s rates are low across the board.

What’s not so great…

We’re a bit stumped on this one. There’s not much we could come up with that’s negative. We have had some comments from people with good credit and high income that have been declined for the card. We don't know how they are scoring applications but there seems to be some difficultly in being approved. It’s worth looking closely at any fees that may apply to cash advances and transactions. Always read the small print, people.

Why should you choose this card?

If you want to pay low interest rates on purchases, cash advances and balance transfers, then the ME Frank Credit Card could be the perfect option. If you tend to carry a balance each month, this card will help to keep interest to a minimum.

On the other hand, if you pay off your balance, then it’s worth noting that the card also offers up to 55 days interest free on purchases. If you want to buy a fairly large purchase, you could have up to 55 days to pay it off before interest starts accruing.

If you don’t need features and rewards – and you don’t want to have to pay for them in annual fees – this is a great choice of card. Plus, you don’t have to worry about intro offers and what happens when they end. And if you so choose, you can add up to eight extra cardholders free of charge.

Overall Rating

This award-winner is an awesome no frills card, with low rates across the board – plus, no annual fee. This is a card that’s definitely worth looking in to.

Pros

  • A low standard purchase, cash advance and balance transfer
  • Up to 55 day interest free on purchases
  • No credit card annual fee

Cons

  • Minimum income of $25,000 p.a. is required. This is quite high for a low rate card

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Australian citizen or permanent resident

  • Minimum income of $25,000 p.a.

  • You have your personal details ready to complete the online application

Customer reviews

0%

CreditCard.com.au Visitor

11 December 2018

This credit card was an absolute disaster for me. From the moment of applying to trying to cancel the card, everything was a major hassle. I needed a credit card as I was travelling overseas for hotel bookings, and after shopping around, this card seemed to be very competitive. An early warning sign was the application process. Long story short, I ended up having to fax documents because Mebank emailing and online services are just not reliable. I applied for a credit limit of $5,000 as credit providers often knock back small limits since they make no money off them, however my request was ignored and I received just a $1,500 limit, which whilst not an issue was perplexing. This is where my real problems started. Once I arrived overseas, my pin code didn't work. I tried to access my account overseas to fix the issue, my Customer ID (which I had in writing from Mebank) and my date of birth (which I obviously know pretty well) would not work as credentials to log in. Upon returning home, and speaking with phone support, the 'incorrect credentials' I used overseas to try log into my account matched their records, perplexing to say the least. I tried to call overseas support, natually because my credentials were incorrect, I could not get past the voice prompter. Upon trying to cancel my account, the phone operator closed my account without even explaining that I could now not pay my balance off with a cheque, instead I had to now go back to my other bank and set up BPAY for just one transaction, so another hour of my life to go to the bank to arrange this my account was in view only mode as I have no other use for BPAY. The phone operator said I would receive an email instantly advising that the credit card and account are closed. That was three days ago, still waiting. Before closing my account, whilst I could see my amount owing, I was not able to actually view the transactions as they were 'not available', therefore I have no way of reviewing if the charges are legitimate. Thanks, but next time I need a credit card I might go elsewhere.

Does not recommend this card
98%

CreditCard.com.au Visitor

28 October 2017

The site reviewer does not acknowledge that Union Members get an even lower rate. 9.99%

Recommends this card
100%

CreditCard.com.au Visitor

12 March 2017

I legitimately love this card and this bank. Frank is straightforward with easy to calculate rates and fees. The card also has a great, attractive design. There's very few cards with such a low interest rate and no annual fee. It's especially simple if you do your other banking with ME, which is similarly low-to-no fee. I love that their call centre's in Australia; I don't have any difficulty understanding the staff I talk to, and vice versa. Rewards cards always seemed like an absolute waste of space – it takes so much effort to gain any advantage from them. Frank is a refreshingly simple change. It's just effortless. I'll never, ever get rid of this card. It's my go-to.

Recommends this card
Roland B Bleyer

Roland B Bleyer founded creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

Recently Asked Question

Something you need to know about this card? Ask a our credit card expert a question.

137 questions (showing the latest 10 Q&As)

Judy

Judy

5 March 2019
Travelling overseas in Decemberto London and America f o r 3 weeks thought it may be worth getting Qantas points for flights. Unsure of the best type of card and if it's worth all of us getting a card
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    6 March 2019
    Hi Judy, I think looking at bonus points could be a good option. Have a look at our bonus points category. The right card will depend on how much you will spend on it each month. When travelling overseas then its a good idea to get a card that has no foreign fees. This is where the ANZ Rewards Travel Adventure could be the right card. It has no foreign fees, no overseas cash advance fees. It has good overseas travel insurance plus can earn you points.
rod

rod

15 February 2019
As my wife and I are on an age pension, which nets approx $2900.00 p/a, we own our home and contents and have 8 payments of $267.00 p/fortnight left to pay on car loan. We have been looking for a no frills c/c,low interest, no annual fee, that will also transfer approx $4200.00 from another card. Are we eligible to apply for ME card.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    15 February 2019
    Hi Rod, ME do not see the pension as income. Therefore they are not a possible solution for you. Also there is no balance transfer offer with this card. You just get the standard rate of 11.99% on any successful transfer. What card are you looking to transfer from? A balance transfer needs to be between different banks. I would suggest looking at some of the bigger banks e.g. Westpac Low Rate. No annual fee and balance transfers don't combine that well.
maria

maria

13 February 2019
does the offer for transfer balance from another card include American express as well thanks regards
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    14 February 2019
    Hi Maria, yes it would be possible to transfer AMEX, subject to credit approval. Though ME Frank has no special balance transfer rate. Any amount transferred would be at the regular purchase rate for this card. If balance transfer is a focus then have a look at the HSBC Platinum or Westpac Low Rate as 2 possibilities.
Peter

Peter

8 January 2019
Dear Sir, Can you tell me why i have been rejected as i have a VERY HIGH credit rating and have no debts to anybody and never missed any payments. Your are the first to ever knock me back and think your people do not do a very good background check of people status. Peter
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    9 January 2019
    Hi Peter, you will need to reach out to ME Bank directly to see why they rejected your application for the ME credit card. Credit regulations changed on the 1st Jan. Tightening the requirements and making it harder to get approved for credit cards. This could have had an impact.
Katrina

Katrina

13 December 2018
Hi Roland could you please tell me if frank credit card would consider my application when I am on a carers Pension I get $850 fortnight
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    13 December 2018
    Hi Katrina, ME Bank do not see the pension as income. Additionally the minimum income requirement is $25,000. At $850 a fortnight, that is $22,100 a year. I suggest that you look at ANZ Low Rate. They can see the pension as income plus this card has a minimum income of $15,000. Read through our credit card application tips.
Sharni

Sharni

10 December 2018
What is the interest rate after the 55 days free ?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    11 December 2018
    Hi Sharni, the standard interest rate on purchases is 11.99% p.a. on the ME Frank credit card.
Helene

Helene

20 November 2018
Is it ok that I keep this card just for overseas travel, as I am conservative and usually use only a debit card.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    21 November 2018
    Hi Helene, sure. As Frank has no annual fee. You can use it when you like. You will always need to make minimum payments if you have a balance.
Helen

Helen

30 October 2018
Does the card come in the card holders name. Can it be used for car hire which demand a credit card in drivers name.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    30 October 2018
    Hi Helen, yes, if you are approved then the card would be in your name. It can be used for a car hire or wherever Mastercard is accepted. All car hire companies accept Mastercard that I am aware of.
B G Harvey

B G Harvey

2 September 2018
can I have this card sent to the Sydney post office ,in martin place I put this order in about 4 weeks ago.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    3 September 2018
    Hi Ben, I am not sure if this is possible. Typically credit cards have to be delivered to the residential address specified in the application. I would give ME bank credit card customer service a call on 13 15 63. 4 weeks is a long time to wait for a credit card.
Jimmy Romanous

Jimmy Romanous

5 August 2018
Hi Roland. what does " min limit = $1000 " mean? with my current card, many months of the year I am below this $1000 min limit. With frank what does this balance translate to??? Best regards Jimmy
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    6 August 2018
    Hi Jimmy, minimum credit limit is the base level of credit that they can offer. That is, you cannot request a credit limit below $1,000. It has no impact on your actual balance.
Ray

Ray

30 July 2018
define union member for lower rate
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    31 July 2018
    Hi Ray, I am not sure what your question is on the ME Frank Card. There is a possibility to get a lower interest rate, or has been in the past. Though I cannot find the information on the ME Frank website.
Maureen Lim

Maureen Lim

29 July 2018
Hi, I will be getting the me card soon. how do i transfer balances from other credit card to me card?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    30 July 2018
    Hi Maureen, ME Frank does not have any special balance transfer offers. Any amount you transfer will be at the standard 11.99% p.a. Therefore it is best to use a 0% balance transfer credit card instead if you want to save more on interest. If you still want to balance transfer to ME Frank then give them a call on 13 15 63 - Monday to Friday 8am-8pm (AEST) Saturday 9am-5pm (AEST)
Sarah

Sarah

11 July 2018
Hi, I'm thinking of using this card to go overseas to Hong-Kong and China this year can you please clarify a few thing for me. If there are: Currency conversion fees? How do you work out the foreign exchange rate? International ATM withdrawal fees? Application fees? Keeping fees? I guess I'm also wondering if i can use this credit card to purchase things overseas like China and Hong-Kong? Please let me know if there are any other associated fees with this credit card for overseas use. Thankyou for you time :)
Sharon

Sharon

7 July 2018
What are the foreign transaction fees
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    8 July 2018
    Hi Sharon, with ME Frank they are 2.3% of the purchase amount.
Brian Miller

Brian Miller

24 June 2018
Hi Roland , I work part time and I receive the age pension , all up I bring in $39700 a year . Will my age pension be accepted as income ?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    26 June 2018
    Hi Brian, ME bank do not see the pension as income. Therefore you would need to earn $25,000 a year outside of the pension to apply. Have a look at the Virgin Low Rate offer. They do see the pension as income and minimum requirement is $35,000 a year.
Steven

Steven

15 June 2018
I have credit card with Coles MasterCard who has been taken over by Citi, can I transfer what I owe over to your card, I am on a disability pension and receive under your $25k per year am I still able to apply for Frank credit card?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    15 June 2018
    Hi Steven, you need to meet the minimum requirements to apply for a credit card. ME do not see the disability pension as income either. Have a look at the ANZ low rate as an option with a 0% balance transfer offer.
Hayden

Hayden

11 June 2018
Hi there just have a couple of question about the credit card. How long would it take to get it delivered and also would it cost alot to use overseas? Can you also cancel the card at anytime? thank you.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    12 June 2018
    Hi Hayden, it typically takes 5-10 business days to get a credit card. The ME Frank credit card does have foreign fee charges of 2.3%. If travelling its best to use a card that doesn't have this fee on purchases. Check out the 28 Degrees. You can cancel a credit card at any time you have a $0 balance or can pay it out.

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