Let’s be frank.

Frank gets you the money you need without costing the Earth. You get everything you need to know, right up front. That’s why we call him Frank: he’s the low rate credit card Australia’s been waiting for.


Variable rate on

Icon Zero

No annual fee± 
- that's zip, zero, zilch.

Icon 55 Days

Up to 55 days interest
- free on purchases.#

frank facts.

Get the lowdown on Frank, the low interest rate Mastercard.

11.99% p.a. on purchases and cash advances


Up to 55 days interest-free on purchases#

$4 or 2% of the amount you take out (whichever is greater). Other transaction fees could also apply.


Like to dive into the details? Check out the Frank fees and charges guide for all the nitty gritty.

Ready to get frank?

Isn’t it about time you got a credit card that tells it to you straight?
What you'll need?
  • around 5 minutes
  • your driver’s licence or passport
  • information on your income and expenses
  • your account number (if you're a ME customer)
You'll need to be
  • at least 18 years old
  • an Australian citizen or permanent resident
  • earn more than $25,000 a year

Frank’s an award-winner.

He’s got more than just a winning personality — and here’s the bling to prove it.

Award Mozo 99X125px

Award Mozo 2016 99X125px

Award Moneymag 99X125px

But wait, there’s more.

Sure, Frank’s focused on costing you less – but he’s also got a few other tricks up his sleeve.

Shop on the run

Use tap & go for purchases under $100 with Mastercard®.

Frank and fearless

Get protected from unauthorised transactions.

Mastercard Zero Liability~

Stay secure

Get extra protection when you shop online.

Mastercard SecureCode®

These offers? Priceless

Get instant access to exclusive local and international offers.

Mastercard Priceless® Cities

Step up your finance game.

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Calculate your repayments

Use our handy calculator to work out your repayments and see how much you could save.

Calculate your repayments

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What’s the difference between credit cards?

Understanding how different credit cards work can mean avoiding a costly mistake.

Read more

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Settle your (credit) score.

Everything you always wanted to know about credit histories, but were afraid to ask.

Read more

the legal stuff.

Interest rate is current at 22-Feb-2018 and subject to change.

Applications are subject to credit approval.

* 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.

~ 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.

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

Tap & go is a trademark of Mastercard International Incorporated.

awards info.

Mozo fee free: The winning cards were judged the easiest for cardholders to avoid paying any fees on, as long as all spend was Australian purchases and they paid their outstanding balance in full each month.

Mozo low rate: The winning cards were the ones judged to be cheapest for cardholders with an ongoing revolving balance.

Money Magazine: Winning cards were ranked by total cost to cardholders (including interest and annual fees) of revolving a $2,500 debt over the prior 12 months.