Once you’ve got your card, the quickest way to get started is to activate it by choosing a 4 digit PIN. You can do this online, using our internet banking service.
You can also activate your card by calling 1300 307 986 anytime, day or night.
Looking for more info on activating your card?
Online? Here you go.
Over the phone? Here you are.
Yes. Check out the card activation steps above.
At ME, we make paying your account simple. Choose from these easy payment options:
1. Direct Debit:
This is a quick and easy way to pay your credit card account. Your bill will be automatically paid and there’s no need to worry about due dates. Choose from the following monthly payment options:
Looking to setup a regular direct debit payment from a nominated bank account? Here's the form.
BPAY payments can be made through your bank, building society or credit union via phone or internet banking. To make a BPAY payment you’ll need:
3. Transfer from other ME accounts
Jump on to internet banking to transfer money from an ME account to your credit card. Alternatively, get in touch on 13 15 63.
4. Cash or cheque deposit at any Australia Post Bank@Post™ outlet.
On your frank credit card, your up to 55 day interest free period is a great way to cut the amount of interest you pay on purchases. But you need to know how it works to take advantage.
The up to 55 day interest free period on purchases is made up of your 30-day (monthly) statement cycle, plus 25 days from the statement date, until the due date for payment.
The interest free period you receive depends on when you make the purchase in the statement cycle.
For example, if you make a purchase on the first day of your statement cycle, it will attract the maximum 55 interest free days from the time of purchase to the time the payment becomes due. Time it right and avoid the interest.
Please note: to qualify for the interest free period you must have paid the balance of your previous statement in full and you need to pay your current statement in full by the due date.
For the ME MasterCard®, the up to 44 day interest free period on purchases is made up of your 30-day (monthly) statement cycle, plus 14 days from the statement date until the due date for payment.
The interest free period you receive will depend on when you make the purchase in the statement cycle.
For example, if you make a purchase on the first day of your statement cycle, it will attract the maximum 44 interest free days from the time of purchase to the time the payment becomes due.
Please note that to qualify for the interest free period, you must have paid the balance of your previous statement in full and you must pay the current statement in full by the due date.
The short answer is yes. In some countries (like the UK), MasterCard demand that all domestically issued cards with an EMV chip, must use the chip rather than the magnetic strip. This does not apply to cards issued in other countries. If you are questioned while overseas, you should advise the merchant that your card is an international card and can default to the magnetic strip.
If the biller accepts credit cards as a method of payment, you’re all good. Your bill payment will be processed as a purchase.
Adding additional cardholder’s to your account is easy and there are no fees. Please complete the Additional Cardholder Request form.
If you’re feeling generous, it’s possible to have up to 8 additional cardholders on your credit card account. You’ll still only receive one statement to manage each month, regardless of whether you have 1 or 8 additional cardholders. Simple.
You might want to increase your credit card limit as your circumstances change. You’re eligible to apply for a limit increase if:
If you’d like to apply for a limit increase, please download, print, and fill out the Credit Limit Increase Form and send it to the address shown.
If you'd like to decrease your limit, please contact the team @ ME on 13 15 63.
A late payment fee is charged when a payment has not been made by the due date.
Your credit card expires at the end of the month stated on your card. A new card will be issued at the start of the month your card expires. If you don’t receive your new card by the 21st of the month, that your card expires, please contact the team @ ME on 13 15 63.
You can put a temporary block on your card using the ‘Card Management’ tab in internet banking – that way, if you find your card later, you can just reactivate it.
You can also use internet banking to completely cancel any of your ME cards and order replacement cards.
If you’d prefer to speak to someone over the phone about a lost or stolen card, just give us a call – if you’re in Australia call 13 15 63, or if you’re overseas call +61 3 9708 4001.
We’ll do whatever we can to help you out, no matter where you are.
If we send you a replacement card by ordinary mail, the card will be issued free of charge. If you want your replacement card to be sent by courier, you’ll pay an Emergency Card Replacement Fee.
If you’re not happy, have a complaint or believe an error or unauthorised transaction has been made on your credit card account, call us immediately with as much information as possible so we can sort the problem. If you’re not satisfied, please complete the Electronic Transaction Dispute Form and return it by mail to the address shown. We’ll do our best to fix it.
Sometimes a retailer will seek authorisation for a transaction on your credit card. Once we’ve authorised it, we’ll reduce your available credit by the amount of the transaction. If the transaction isn’t completed, your account will be re-credited with the same amount. Please note this can take up to 10 working days.
MasterCard Tap & Go is like having the exact change wherever you go. Just ‘tap’ your card on the contactless reader and ‘go’ as soon as you see the green light or hear the beep. There’s no signing your name or entering a PIN for purchases of $100 or less.
Your credit card features a microchip for improved security. This technology verifies your point-of-sale purchases or ATM transactions and helps protect you against credit card fraud.
Maybe you want to know why The Incredible Hulk's shirt always ripped but his pants never did? Or maybe you’re not sure what to buy grandma for Christmas? We’ll do our best. Call the team @ ME on 13 15 63
You can always check your recent transactions online – it’s a good idea to do this regularly, just to be sure.
If you think there might be unauthorised transactions, call us immediately on 13 15 63.