ME Bank Frank Credit Card

I have probably had this card for at least 10 years - maybe longer. One of the lowest interest rates around and always has been from my experience. You may even get a lower rate than currently advertised as they have a deal currently with HostPlus Super.
Website is decent and I have always used my online account to contact the bank through the messaging service. They always reply very promptly.
A little expensive to use overseas but other cards that can provide better rates have an annual fee and higher interest rate. This point is certainly no...Read more

Pros:
No annual fees,
One of the lowest interest rates on market at 11.99%

Cons:
Trying to access your statement is always a hassle,
Paying for your balance is always troublesome, I made the mistake of not jotting down the biller code and reference number - big mistake, every time I have to google for the biller code, and access the statement to find the customer reference at the letterhead section of the statement, while accessing to the statement takes a couple minutes, the whole process is too much burdensome I ended up closing the accou...Read more

At first I was very thrilled to have no annual fee and low rate credit card which is good for some people that does not want to pay for annual fee but the very disappointing part is after you made a purchase, the transaction on the mobile app doesn't appear and it would take 3-4 days before you can see it. It is bad for ME Bank Frank Credit card holders as it is important for most people to keep on track and what transactions you've made as you may forget or if there is suspicious transactions already made by bad people these days. I wish I did...Read more