Low cost
One of the lowest rate credit cards in Australia - currently 12.25% p.a. variable interest rate  
Award-winning

2013 Mozo People’s Choice Awards - Best Credit Cards

 
Transparent The same low rate for both purchases and cash advances  
Security

Your purchases are protected by MasterCard® Zero Liability #

 
Convenience Emergency worldwide replacement if your card is lost or stolen  
Competitive 12.25% p.a. variable interest rate
Low annual fee of $49
Up to 44 days interest free
Pay the same low rate on both purchases and cash advances
Up to 8 additional cardholders free of charge
MasterCard®  SecureCode for enhanced online security at participating merchants
Access MasterCard’s Exclusive Programs

Tap & Go™ with MasterCard PayPass™ for purchases under $100

Secure chip technology

 

For purchases, cash advances and balance transfers 12.25% p.a.
Additional cards fee No fee
Annual fee $49
Cash advance fee at ME Bank, Westpac, Bank of Melbourne, St.George or BankSA ATMs  $4 in Australia
$4 per cash advance overseas
Balance enquiry at ME Bank, Westpac, Bank of Melbourne, St.George or BankSA ATMs  Nil
International transaction fee 1.50% of the amount of any foreign currency transaction converted into Australian dollars, payable to ME Bank at the time the currency conversion is made
MasterCard conversion fee 0.2% of the amount of any foreign currency transaction converted into Australian dollars, payable to MasterCard International at the time the currency conversion is made
MasterCard cross border fee 0.8% of the amount of any transaction where the merchant account is not held in Australia, payable to MasterCard International
Late payment fee $25
Duplicate or interim statement $5 per page
Emergency replacement card fee $20 within Australia
$100 overseas

Voucher retrieval fee

$10 per item

Dishonour fee

$15 per cheque or direct debit

Things you should know.

Interest rate is current as at 18-Sep-2014 and subject to change.

MasterCard and the MasterCard brand are registered trademarks of MasterCard International Incorporated.  # MasterCard Zero Liability protection is subject to meeting MasterCard's conditions. For full details of the MasterCard Zero Liability policy and conditions visit mastercard.com.au/zero-liability.html Tap & Go and PayPass are trademarks of MasterCard International Incorporated.

Fees and charges apply. Terms and conditions available on request. Applications are subject to credit approval.