ME Bank Credit Cards

To apply for an ME Bank Frank credit card, you must be able to satisfy the following criteria:

• Be at least 18 years old
• Be an Australian citizen or permanent resident
• Earn at least $25,000 a year

First, check whether you are eligible to apply for an ME Bank credit card. See above for the eligibility requirements.

If you meet the eligibility requirements, you can apply online. If you need help, you can contact ME Bank over the phone.

ME Bank says you should have the following details handy when making an application:

• Your drivers-licence or passport
• Information on your income and expenses
• Your current ME account number if you are a current customer

ME Bank says the application process should take around five minutes. After you submit your application, ME Bank says it will be in touch for further information about your income and to complete your application.

You will have to activate the credit card when it arrives before you are able to use it. ME Bank says you can activate the card through internet banking or its mobile app. Contact ME Bank if you need assistance.

You can manage your ME Bank credit card through online banking or via the mobile banking app. Use online banking or mobile banking to do things like view your recent transaction history, view your balance, and more.

When interest is charged

Interest is charged when you carry a balance on your ME Bank credit card. Interest is charged on cash advances from the date of withdrawal and balance transfers from the date of transfer. Fees and charges may apply, visit the ME Bank website for more details.

When interest is not charged

At the time of writing, up to 55 interest-free days apply to ME Bank credit card purchases.

Interest-free days only apply if you have paid the balance in full for the previous month’s statement and for the current month’s statement (the statement on which the purchases are listed) by their due dates. ME Bank says there is no interest-free period on cash advances.

Your credit limit for an ME Bank credit card will be determined based on the information you provide in your application, keeping in mind ME Bank’s minimum and maximum credit limits.

If you wish to increase your credit limit, ME Bank says you can apply to do so once you have had your card for at least six months. According to ME Bank, you’re more likely to get your increase approved if your income has increased and your debts have decreased. You can make a request by filling out a form and sending it to ME Bank via email, fax or post.

If you wish to decrease your credit limit, ME Bank says you can do so through internet banking or over the phone.

You can request to close your ME Bank credit card account at any time by contacting ME Bank through internet banking or over the phone.

Your card balance will need to be repaid in full even after the card is closed. You will continue to receive monthly statements until your card balance is fully repaid.

If you are experiencing financial hardship, you may be able to get help in making repayments by contacting the ME Bank hardship assistance team.

If you are closing your ME Bank credit card because you’re not satisfied with it, consider your other options when it comes to credit cards:

Compare Credit Cards

ME Bank was founded in 1994. It is a digital-only bank and has no physical branches. In 2021, it was acquired by Bank of Queensland.