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Here’s the skinny on the frank credit card.


If you’ve read this factsheet end to end and still have a hankering for more information, you can get more of what you’re after in the FAQ or get in touch on 13 15 63.


Our phone lines are open Monday to Friday 8am – 8pm, and Saturday 9am – 5pm (AEST).




Low cost

  • One of the lowest rate credit cards in Australia

  • Up to 55 days interest free on purchases#

  • No annual fee±


Convenient cash 

  •  Get the same low interest rate for both purchases and cash advances*


Family friendly

  • Add up to 8 extra cardholders free of charge


Shop conveniently

  • Includes Mastercard’s PayPassTM technology, so you can just Tap & GoTM in stores for purchases under $100


Shop securely

  • You're protected by the Mastercard Zero Liability policyfor unauthorised transactions
  • Extra online security provided by Mastercard SecureCode™ 





Purchases   11.99% p.a.^ variable rate
Cash advances 11.99% p.a.^ variable rate*
Balance transfers  11.99% p.a.^ variable rate
(transaction fees may apply)






Account-keeping fees

Annual Fee


No fee±


Transaction fees


Balance enquiry at ME Bank, Westpac, Bank of Melbourne, St.George or BankSA ATMs



No fee


International transaction fee 


1.5% of the amount of any foreign currency transaction converted into Australian dollars, payable 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. It may not always be clear to you that the merchant or entity processing the transaction is located outside Australia. 


Cash advances

Cash advance fee  

$4 or 2% of the amount of the cash advance you obtain (whichever is greater).


Late payment fees

Late payment fee   $10


Other fees

Additional cards fee


No fee

Emergency replacement card fee        $20 within Australia - $100 overseas
Duplicate or interim statement                                                    $5 per page
Voucher retrieval fee                                                   $10 per item
Dishonour fee                                             $15 per cheque or direct debit


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^Interest rates are current at 22-Oct-2017 and subject to change. 


*Cash advance fee of $4 or 2% of the amount of the cash advance (whichever is greater) and other transaction fees may apply.

#Up to 55 days interest free only applies if you pay your balance in full by the due date each month.

±Conditions, fees and charges apply and are subject to change. 

Applications are subject to credit approval.

 ~ Mastercard Zero Liability protection is subject to meeting Mastercard's conditions. For full details of the Mastercard Zero Liability policy and conditions visit 

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. 

Tap & Go and PayPass are trademarks of Mastercard International Incorporated.