Bank Australia Credit Cards

bank-australia-logo

Choose from an array of credit cards with features like membership to a frequent flyer program, no annual fees, or a low ongoing interest rate.

The origins of Bank Australia (formally known as bankmecu) dates back to 1957, and over the course of time it has witnessed the coming together of a number of Australian credit unions. Now, it boasts of over 127,000 members who benefit from a variety of financial products and services including everyday banking accounts, savings accounts, term deposits, home loans, personal loans, credit cards, and insurance solutions. If you’re looking at the options Bank Australia provides through its credit card offerings, you get to choose between a card that offers rewards, a card that does not charge any annual fees, and a card that attracts a low ongoing interest rate on purchases.

Bank Australia recognised awards

  • Banksia Awards, 2014. Damien Walsh, Managing Director of bank Bank Australia, awarded the Richard Pratt Banksia CEO Award.
  • AFR Smart Investor Awards, 2010. Credit Card of the Year awarded to the Bank Australia low rate credit card.
  • Small Business Sustainability Award. Ethical Investor, 2010.
  • Ethical Investor’s Awards, 2010. Winner of the Australian Small Business Sustainability Award.
  • Low Rate Credit Card of the Year. Bank Australia Low Rate Credit Card, 2010 AFR Smart Investor Credit Card of the Year.

Comparison of Bank Australia Credit Cards

Rates last updated May 31st, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Bank Australia Platinum Rewards Visa Credit Card
Earn Qantas Points on eligible purchases, as well as access to a whole range of exclusive platinum benefits.
18.49% p.a. $189 p.a. More info

Types of credit cards from Bank Australia

Bank Australia, as mentioned, provides credit cards to suit different needs, some of the options you can expect include:

  • Low rate credit card

Such cards charge low interest on purchases, but might not offer too much in the form of features. The Bank Australia low rate credit card falls in this category, charging a purchase rate of 9.64% p.a. This card attracts a nominal annual fee, and gives you access to funds around the world.

Rates last updated May 31st, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
ME Bank frank Credit Card
A low interest rate on purchases and cash advances with no annual fee charge.
9.99% p.a. $0 p.a. Up to 55 days on purchases Go to site More info
Coles Low Rate MasterCard
A low rate MasterCard with a competitive rate on purchases and a low annual fee.
9.99% p.a. 0% p.a. for 6 months $49 p.a. Up to 62 days on purchases Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card.
14.99% p.a. 0% p.a. for 12 months $0 p.a. Up to 55 days on purchases Go to site More info
NAB Low Rate Credit Card
Manage your existing credit card balance with 0% for 15 months on balance transfers with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 2% balance transfer fee $59 p.a. Up to 55 days on purchases Go to site More info
St.George Vertigo Visa
A low rate shopping credit card offering a low ongoing rate on purchases plus a low balance transfer offer of 0% p.a. for 18 months.
0.99% p.a. for 4 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
NAB Low Fee Card
Get 0% p.a. on balance transfers and purchases for 15 months.
0% p.a. for 15 months (reverts to 19.74% p.a.) 0% p.a. for 15 months with a one off 2% balance transfer fee $30 p.a. Up to 44 days on purchases Go to site More info
Bank of Melbourne Vertigo Visa Credit Card
Enjoy a low annual combined with 0% p.a. balance transfer offer for 18 months and 0.99% p.a. for 4 months on purchases.
0.99% p.a. for 4 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
Commonwealth Bank Low Rate Credit Card
A $250 limited time cashback offer if you apply by 30 June 2016 and spend $500 on eligible purchases by 31 July 2016 and a low ongoing purchase rate.
13.49% p.a. 5.99% p.a. for 5 months $59 p.a. Up to 55 days on purchases Go to site More info
St.George Vertigo Platinum
Enjoy platinum card benefits with a long term balance transfer of 0% for 20 months and a low annual fee.
0.99% p.a. for 4 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. Up to 55 days on purchases Go to site More info
Commonwealth Bank Small Business Credit Card - Low Rate
Get $250 cash back if you apply by 30 June 2016 and spend $500 on eligible purchases before 31 July 2016. A business credit card with $0 annual fee, a low ongoing interest rate with higher credit limits.
14.55% p.a. $0 p.a. Go to site More info
ANZ Low Rate
Save on your existing credit card interest with 0% for 18 months on balance transfers with a low annual fee and low ongoing purchase rate.
13.49% p.a. 0% p.a. for 18 months with 3% balance transfer fee $58 p.a. Up to 55 days on purchases Go to site More info
Commonwealth Bank Low Rate Gold Credit Card
Take advantage of the $250 cash back offer if you apply by 30 June 2016 and spend $500 on eligible purchases by 31 July 2016. A low rate card that comes with up to 55 days interest-free on purchases combined with complimentary international travel insurance.
13.49% p.a. 5.99% p.a. for 5 months $89 p.a. Up to 55 days on purchases Go to site More info
Citi Simplicity Card
Enjoy a interest-free days and a low interest rate on purchases plus enjoy free bottles of wine from Citibank Dining Program. Offer ends on 31 March 2017.
11.99% p.a. for 24 months (reverts to 19.99% p.a.) $0 p.a. Up to 55 days on purchases Go to site More info
BankSA Vertigo Visa
A low rate credit card with 0% for 18 months on balance transfers and low ongoing purchase rate from BankSA.
0.99% p.a. for 4 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
Bankwest Breeze MasterCard
Enjoy a 5% cash back* offer for a limited time, 2.99% for 9 months on balance transfers and up to 55 interest-free days on purchases.
12.99% p.a. 2.99% p.a. for 9 months $59 p.a. Up to 55 days on purchases Go to site More info
Citi Clear Platinum Card
Enjoy 0% p.a. for 9 months interest-free purchasing and 0% p.a. for 9 months on balance transfers.
0% p.a. for 9 months (reverts to 14.99% p.a.) 0% p.a. for 9 months $99 p.a. Up to 55 days on purchases Go to site More info
BankSA Vertigo Platinum
Experience Platinum card benefits with complimentary insurance policies and 24/7 Visa Platinum Concierge Service. Get 0% for 20 months on balance transfers and annual fee if you apply by 23 June 2016.
0.99% p.a. for 4 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. Up to 55 days on purchases Go to site More info
Learn more about Low Rate Credit Cards
  • No annual fee credit card

These cards, as the name implies, don’t charge any annual fees.The VISA Credit Card offered by Bank Australia does not attract any ongoing annual fees, and it charges a purchase rate 12.64% p.a. If you use this card in the right manner, you can make use of up to 55 interest-free days on purchases.

Rates last updated May 31st, 2016
Annual fee Purchase rate (p.a.) Balance transfer rate (p.a.)
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card.
$0 p.a. 14.99% p.a. 0% p.a. for 12 months Go to site More info
ME Bank frank Credit Card
A low interest rate on purchases and cash advances with $0 annual fee for the life of the card.
$0 p.a. 9.99% p.a. Go to site More info
Virgin No Annual Fee Credit Card
No annual fee credit card with $100 cashback and a long term low rate balance transfer offer of 0% p.a. for 18 months with 2% balance transfer fee. Spend criteria applies for cashback offer.
$0 p.a. 18.99% p.a. 0% p.a. for 18 months with 2% balance transfer fee Go to site More info
ANZ Frequent Flyer Black
Earn up to 75,000 bonus Qantas Points when you spend $2,500 within the first three months and 1.5 points per $1 spent. Get complimentary airport lounge access, 24/7 concierge with $0 annual fee in the first year.
$0 p.a. annual fee for the first year ($425 p.a. thereafter) 19.99% p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
$149 p.a. 19.99% p.a. 0% p.a. for 15 months Go to site More info
Commonwealth Bank Small Business Credit Card - Low Rate
Get $250 cash back if you apply by 30 June 2016 and spend $500 on eligible purchases before 31 July 2016. A business credit card with $0 annual fee, a low ongoing interest rate with higher credit limits.
$0 p.a. 14.55% p.a. Go to site More info
28 Degrees Platinum MasterCard
No annual fee for life, up to 55 days interest-free on purchases and no foreign transaction fees.
$0 p.a. 21.99% p.a. Go to site More info
Bankwest Zero Platinum MasterCard
Complimentary travel insurance and 24/7 Concierge service and $0 foreign transaction fees. Plus enjoy a $0 annual fee.
$0 p.a. 17.99% p.a. 2.99% p.a. for 9 months Go to site More info
Citi Simplicity Card
Pay no annual fee to ever, plus receive access to complimentary purchase insurance and the Citibank Dining Program.
$0 p.a. 11.99% p.a. for 24 months (reverts to 19.99% p.a.) Go to site More info
American Express Velocity Escape Card
$0 annual fee for life, earn 7,500 bonus Velocity points when you spend $300 in the first 3 months.
$0 p.a. 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee Go to site More info
Commonwealth Bank Low Fee Credit Card
No annual fee for the first year with low ongoing annual fee.
$0 p.a. annual fee for the first year ($29 p.a. thereafter) 19.74% p.a. 5.99% p.a. for 5 months Go to site More info
ANZ First Student Card
An ideal credit card for students with 44 days interest-free on purchases with $0 annual fee in the first year. Access your account on the go with the goMoney™ app.
$0 p.a. annual fee for the first year ($30 p.a. thereafter) 19.74% p.a. Go to site More info
Commonwealth Bank Low Fee Gold Credit Card
Gold card privileges such as complimentary international travel insurance with interest-free days and $0 annual fee for the first year.
$0 p.a. annual fee for the first year ($89 p.a. thereafter) 19.74% p.a. 5.99% p.a. for 5 months Go to site More info
American Express Qantas Discovery Card
Earn up to 7,500 bonus Qantas Frequent Flyer points, plus take advantage of no annual fee for the life of the card. Earn 1 Qantas Frequent Flyer point per $1 spend.
$0 p.a. 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee Go to site More info

Learn more about No Annual Fee Credit Cards

  • Platinum credit card with frequent flyers

Typical platinum cards give cardholders the ability to earn rewards as per their spending, and might come with other added features as well. The Bank Australia Platinum Rewards Visa Credit Card brings with it free membership to the Qantas Frequent Flyer program, giving you a host of ways to redeem your reward points. This card attracts an annual fee, and offers up to 55 interest-free days on purchases. Cardholders get access to a 24/7 concierge service and complimentary overseas travel insurance.

Rates last updated May 31st, 2016
Bonus Points Points per $ spent Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Bank Australia Platinum Rewards Visa Credit Card
Receive platinum cardholder benefits, 1.00 Qantas Points per dollar spent and complimentary membership to the Qantas Frequent Flyer program.
1 18.49% p.a. $189 p.a. More info
Rates last updated May 31st, 2016
Bonus Points Points per $ spent Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
ANZ Frequent Flyer Black
Earn up to 75,000 bonus Qantas Points when you spend $2,500 within the first three months and 1.5 points per $1 spent. Get complimentary airport lounge access, 24/7 concierge with $0 annual fee in the first year.
75,000 bonus points VISA/MC: 0.75 AMEX: 1.5 19.99% p.a. $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
HSBC Platinum Qantas Credit Card
Receive 40,000 bonus Qantas Points on eligible spend within 3 months. A balance transfer offer of 0% p.a. for 6 months with access to premium benefits and complimentary insurance.
40,000 bonus points VISA/MC: 1 AMEX: 0 19.99% p.a. 0% p.a. for 6 months $199 p.a. Go to site More info
American Express Platinum Edge Credit Card
Receive 10,000 Membership Rewards Bonus Points. Plus, enjoy 0% p.a. for 12 months on balance transfers.
10,000 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $195 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
A balance transfer offer of 0% p.a. for 14 months. Earn 10,000 bonus Velocity Points in the first 3 months plus receive a free Virgin Australia $129 Gift Voucher each year. Available from mid-2016.
10,000 bonus points VISA/MC: 0.66 AMEX: 0 20.74% p.a. 0% p.a. for 14 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ANZ Frequent Flyer Platinum
Earn up to 1.5 Qantas Frequent Flyer points per $1 spent on purchases. Plus 50,000 Qantas Points when you spend $2,500 on purchases within the first 3 months and no annual fee offer in the first year.
50,000 bonus points VISA/MC: 0.5 AMEX: 1.5 19.99% p.a. $0 p.a. annual fee for the first year ($295 p.a. thereafter) Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card.
1 14.99% p.a. 0% p.a. for 12 months $0 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Receive an exclusive Virgin Australia Gift Voucher each year and benefit from an interest-free offer for the first 12 months.
VISA/MC: 0.66 AMEX: 0 0% p.a. for 12 months (reverts to 20.74% p.a.) 0% p.a. for 6 months $129 p.a. Go to site More info
American Express Velocity Platinum Card
Receive 50,000 bonus Velocity Rewards points if you spend $500 within the first 3 months.
50,000 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $349 p.a. Go to site More info
American Express Velocity Escape Card
No annual fee card. Earn 2 Velocity Points per dollar spent on Virgin Australia flights or products and 1 point spent on all other purchases. Also receive 7,500 bonus Velocity Points.
7,500 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
NAB Velocity Rewards Premium Card
A Velocity Rewards card with complimentary overseas travel insurance and 20,000 bonus points on signup. Low interest rate offer on balance transfers.
20,000 bonus points VISA/MC: 0.5 AMEX: 1.5 0% p.a. for 15 months (reverts to 19.99% p.a.) 0% p.a. for 15 months with a one off 2%% balance transfer fee $150 p.a. Go to site More info
ANZ Frequent Flyer
Get 25,000 Qantas Points after you spend $2,500 on purchases within the first 3 months and earn up to 1 points per $1 spent on purchases.
25,000 bonus points VISA/MC: 0.5 AMEX: 1 19.99% p.a. $0 p.a. annual fee for the first year ($95 p.a. thereafter) Go to site More info
NAB Qantas Rewards Premium Card
Earn 1.5 points per $1 spent on eligible purchases. Also includes the added benefits of a premium card.
20,000 bonus points VISA/MC: 0.5 AMEX: 1.5 0% p.a. for 15 months (reverts to 19.99% p.a.) 0% p.a. for 15 months with a one off 2% balance transfer fee $250 p.a. Go to site More info
Virgin Australia Velocity High Flyer Card - 20k Bonus Points offer
Receive 20,000 bonus Velocity Points and earn 1 Velocity Points per $1 spent. Receive an exclusive $129 Virgin Australia Gift Voucher each year (available from mid-2016).
20,000 bonus points VISA/MC: 1 AMEX: 0 20.74% p.a. 1.9% p.a. for 12 months $144 p.a. annual fee for the first year ($289 p.a. thereafter) Go to site More info
American Express Qantas Premium Card
Earn Qantas Points for every dollar spent and earn more spending on associated Qantas Services. Travel insurance included. Earn 30,000 bonus Qantas Points when you make your first purchase on your Qantas Premium card.
30,000 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. $249 p.a. Go to site More info
American Express Qantas Ultimate Card
Receive 50,000 bonus Qantas Points. Plus earn up to 1 points per $1 spend.
50,000 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $450 p.a. Go to site More info
Bankwest Qantas Platinum MasterCard
Earn 8,000 Bonus Qantas Points. Plus free travel and accident insurance and payment protection and $0 foreign transaction fees.
8,000 bonus points VISA/MC: 0.75 AMEX: 0 20.49% p.a. 2.99% p.a. for 9 months $160 p.a. Go to site More info
Citi Qantas Signature Credit Card
Earn up to 50,000 bonus Qantas Points on eligible spend, plus enjoy a 0% p.a. for 6 months offer on balance transfers.
50,000 bonus points VISA/MC: 1 AMEX: 0 20.99% p.a. 0% p.a. for 6 months $299 p.a. Go to site More info
American Express Qantas Discovery Card
A no annual fee frequent flyer credit card with 1 Qantas Point earned per $1 spend. Also you can earn up to 7,500 extra Qantas Points on signup.
7,500 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
St.George Amplify Classic
A low interest rate on balance transfers of 0% p.a. for 18 months.
VISA/MC: 1 AMEX: 0 0.99% p.a. for 4 months (reverts to 19.49% p.a.) 0% p.a. for 18 months $79 p.a. Go to site More info
Citi Rewards Credit Card - Signature
Receive 75,000 bonus Reward Points. Plus earn 1.5 Reward Points per $1 spent on eligible purchases.
75,000 bonus points VISA/MC: 1.5 AMEX: 0 20.99% p.a. 0% p.a. for 6 months $199 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
Learn more about Frequent Flyer Credit Cards

What are the benefits of banking with Bank Australia?

Banking with Bank Australia comes with a number of benefits, and here’s what you can look forward to as a Bank Australia member:

  • Savings

Bank Australia members get to save considerably when compared to customers of the big four banks, and it relies on an external organisation to do the math. In 2013, total customer benefit in the form of better interest rates and fees stood at $25 million, and it changed to $22.7 million in 2014.

  • Round-the-clock customer service

Bank Australia members who reside in New South Wales, Victoria, Queensland, South Australia, and ACT can get in touch with a Bank Australia representative over the phone at any time of the day or night.

  • Internet banking

In keeping up with changing times, Bank Australia gives you the ability to access your account information over the internet, through its online and mobile banking platforms. You can turn online to change personal details, view transaction history, and make payments.

  • Community investments

When you bank with Bank Australia, you know that you’re part of an initiative aimed at giving back to society. Bank Australia’s community investment spend stood at $1 million and $0.9 million in 2013 and 2014, respectively.

  • Balance transfer offers

Bank Australia regularly offer balance transfer promotions on their credit cards. For more information, here is a step-by-step guide to balance transfers with Bank Australia.

How to apply for a Bank Australia credit card

You can apply for a Bank Australia credit card by visiting any Bank Australia service centre, and you can also apply online.

Eligibility criteria

If you wish to apply online, ensure first that you meet the following eligibility criteria:

  • You are over 18 years of age
  • You are an Australian citizen or a permanent resident of Australia
  • You have good credit rating

Required documents

To complete the application, prepare to provide the following information:

  • Employment details and details of income from all sources
  • Details of assets like property, vehicles, investments, and savings
  • Details of liabilities like loans, credit cards, overdrafts, and lines of credit
  • Details from your Australian driver’s license, passport, or Medicare card

Considering applying for a Bank Australia credit card can be good idea, given that you get multiple options from which to choose. While you can get a  No matter what kind of card you’re after, make sure you take some time to compare as many as possible before applying, because you can find such features in other cards as well.

Back to top

Frequently asked questions

You can find frequently asked questions about Bank Australia credit cards below. Contact us using the form at the bottom of the page if you still have a question about Bank Australia credit cards.

What happens after I apply for a Bank Australia credit card?

After you submit your credit card application, you can expect to hear from Bank Australia via email. To complete the application process, you might have to go through a legally mandated identity check process.

How can I access my account online?

You have to start by completing and submitting an internet banking application form. Once Bank Australia approves this application, you can access your account using an internet enabled PC or smartphone.

What happens after I apply for a Bank Australia credit card?

If you complete a quick application, a Bank Australia representative will be in touch to complete your application.

If you completed a full online application, check your email inbox for a message from Bank Australia about your application. You may need to verify your identity before the application can be fully processed. If this is the case, Bank Australia will provide you with instructions on what to do next.

If you haven’t been given a response about your credit card application, call Bank Australia on 132 888, 8am – 8pm Monday to Friday.

How is a customer-owned bank different from a normal bank?

Most people think of shareholders when they think of bank owners. Institutions like Bank Australia are owned by their customers. When the bank or credit society makes money the customers benefit from better deals. Bank Australia has actually put a dollar figure on the value it gives its customers. Have a look at their Customer Value Statement for the latest figures.

How do I access my account online?

Download and complete an Internet Banking Application Form from the Bank Australia website to view and manage your credit card online. Send the form to Bank Australia by email, fax or in person at a branch. You can also register for internet banking by calling Bank Australia on 132 888.

How does the interest-free days feature work?

The ‘up to’ interest-free days feature allows you to make interest-free purchases on your credit card. You need to pay back what you spend at the end of the month to keep getting interest-free days. Although the statement period may finish before the number of interest-free days expire, it can get complicated keeping track of all your purchases. An easy rule of thumb is to clear your balance when you statement comes to keep getting interest-free days on purchases.

What do I do if I lose my card or it’s stolen?

Lost or stolen credit cards should be reported to Bank Australia immediately. Contact Bank Australia on 132 888 or +61 3 9854 4666 if you’re overseas.

Am I protected from credit card fraud?

Both Visa and MasterCard credit cards are protected from fraudulent use. They have no liability guarantees that protect you when you’re shopping online or over the counter, including contactless payments.

Back to top
Was this content helpful to you? No  Yes
ME Bank frank Credit Card
ME Bank frank Credit Card

Interest rate

9.99

Annual fee

0
More info
American Express Essential Credit Card
American Express Essential Credit Card

Interest rate

14.99

Annual fee

0
More info
HSBC Platinum Credit Card
HSBC Platinum Credit Card

Interest rate

19.99

Annual fee

149
More info
St.George Vertigo Platinum
St.George Vertigo Platinum

Interest rate

12.74

Annual fee

99
More info
Back to top

Read more on this topic

Ask a Question

You are about to post a question on finder.com.au

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Disclaimer: At finder.com.au we provide factual information and general advice. Before you make any decision about a product read the Product Disclosure Statement and consider your own circumstances to decide whether it is appropriate for you.
Rates and fees mentioned in comments are correct at the time of publication.
By submitting this question you agree to the finder.com.au privacy policy, receive follow up emails related to finder.com.au and to create a user account where further replies to your questions will be sent.

16 Responses to Bank Australia Credit Cards

  1. Default Gravatar
    Will | May 11, 2015

    My Visa Mecu credit card was retained by the Westpac ATM when I used an incorrect PIN.
    I have already reported this by telephone to MECU, and I now need to have another card issued.
    Is their a shorter process for getting a replacement card given that I’ve had one in the past. The lost card was due to expire this month.
    Also, we do have access to internet banking with MECU.
    Thanks
    Will

    • Staff
      Jonathan | May 13, 2015

      Hi Will, thanks for your inquiry!

      Replacement cards will be replaced within 5 working days in Australia. If you are overseas, VISA International can organise a replacement card, however it will cost US$175 and will not be issued with a PIN.

      Cheers,

      Jonathan

  2. Default Gravatar
    Stuart | September 24, 2014

    Hi, I have noticed on bankmecu’s website that they have a Platinum Qantas Rewards Visa Card also.. Which is not displayed on this page..

    • Staff
      Shirley | September 26, 2014

      Hi Stuart,

      Thanks for your question.

      Although we cover a wide range of products, issuers and services we don’t cover every product, issuer or service available in the market so there may be other options available to you.

      Cheers,
      Shirley

  3. Default Gravatar
    Briget | June 27, 2014

    Hi I have 2 big credit cards with a total of $27,000. Please give me advice as to how can I pay my debt off quickly effectively that will be
    an advantage in saving and the best option. I have a very good credit history. Looking to approach Bankmecu for assistance – cards are with Citibank and Bankwest. Thanks

    • Staff
      Shirley | June 30, 2014

      Hi Briget,

      Thanks for your question.

      Unfortunately we cannot provide financial advice but we have an article on ‘steps to reducing $50k debt‘.

      Bankmecu may be able to assist, as you cards are Citibank and Bankwest. If you would like more information on balance transfers, please see this page.

      Cheers,
      Shirley

  4. Default Gravatar
    Dean | March 3, 2014

    I have two credit cards. One is with Commonwealth, the other is with GE. I would like to pay both of these out and get two credit cards with no annual fee and low interest rates. What do you recommend? Thanks.

    • Staff
      Jacob | March 3, 2014

      Hi, Dean.

      Thanks for your question.

      If you’re looking to reduce credit card interest transfers, you may want to consider consolidating the balance of both your cards through a balance transfer. You can compare balance transfer credit cards on this page.

      This page has some good information on balance transfers. There are things you need to be aware of, like revert rates and balance transfer limits.

      You can use the table headings to arrange the cards by their interest rates and by their annual fee. If you would like a side by side comparison of cards, you can click the boxes to the left of the card name (and then click compare at the top or bottom of the table). You can find out more information about the cards by clicking through to the review page. You can apply for a card through the review pages too.

      I hope this helps. Let us know if you have any other questions.

  5. Default Gravatar
    Mr | September 16, 2013

    Sir/Madam, I want to open an account with Bankmecu. I am a resident of Mildura, Victoria, Australia. Is there a branch in Mildura? If yes where is it? If no where is the nearest branch? Thanks. Atta.

    • Staff
      Jacob | September 16, 2013

      Hi Atta.

      You can find a Bank MECU branch at, 134A Eighth Street, Mildura VIC 3500. Open Mon-Fri 9am-5pm.

      Thanks.

  6. Default Gravatar
    Mike | June 21, 2013

    What are they ways available to pay the monthly repayments and are there any fees on any of the ways ?

    • Staff
      Jacob | June 24, 2013

      Hi Mike. Thanks for your question. You can pay this card from another account using BPAY, you can pay this card by cheque, in person at branch or you can pay this card at Australia Post. There may be a charge of a couple of dollars if you pay your card at Australia Post. Hope this helps. Jacob.

  7. Default Gravatar
    Tadeusz | April 25, 2013

    Any good cards $1000 to $2000 credit max?

    • Staff
      Jacob | April 25, 2013

      Hi Tadeusz.Thanks for your question. Please compare credit card here. Your credit limit will be set based on the financial information you provide in your application. You can elect a credit limit, but the final say is up to the banks, they’ll assign a credit limit based on the limit they think you can service. Jacob.

  8. Default Gravatar
    Ronda | March 6, 2013

    I have been with MECU for more than 25 yrs. I now have a Westpac Mastercard with $1200 owing. I have $20.000 credit. We are going overseas to USA in April and considering a credit card change. We own 2 homes 2 cars no dependents or debts. We are self funded seniors and I am a professional working part time can you advise please?

    • Staff
      Marc | March 12, 2013

      Hello Ronda,
      thanks for the question!

      It may be useful to check out our page on overseas credit cards. This page contains information about the types of international transaction fees you could stand to pay, as well as what credit cards minimise these fees.

      I hope this helps,
      Marc.

Credit Cards Comparison

Rates last updated May 31st, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 20 months and an introductory purchase offer of 0.99% p.a. for 4 months with a low annual fee.
0.99% p.a. for 4 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card.
14.99% p.a. 0% p.a. for 12 months $0 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
ANZ Frequent Flyer Black
Earn up to 75,000 bonus Qantas Points when you spend $2,500 within the first three months and 1.5 points per $1 spent. Get complimentary airport lounge access, 24/7 concierge with $0 annual fee in the first year.
19.99% p.a. $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards CreditCardFinder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

Ask a question
feedback

Exciting news!

myNBN.info is now part of the finder.com.au family.

Read more about what this means

Win $200!

Tell us about your health insurance and you could win.

Take our quick survey