Get the Finder app 🥳

Connect your accounts & save

Mastercard Credit Cards

Take advantage of global acceptance and exclusive perks with a Mastercard credit card.

Updated

Fact checked
A large number of banks and lenders in Australia provide Mastercard credit cards and you'll see its logo on the front of them. By itself, Mastercard is not an issuer of credit, but functions as a third-party payment processor.

Offering rewards, low rates, low fees, travel perks and more, you can compare all kinds of Mastercards on Finder to pick the right one for your spending style.

Skye Credit Card Offer

Skye Mastercard

Up to $300 cashback
Up to 110 days interest-free on purchases

Offer ends 31 August 2020

Eligibility criteria, terms and conditions, fees and charges apply

Skye Credit Card Offer

Receive up to $300 cashback, 110 days interest-free on purchases and a reduced first year annual fee.

  • Get up to $300 cashback in the first 3 months (7.5% on eligible purchases, up to $100 per month)
  • Up to 110 days interest-free & the ability to convert large purchases into 0% p.a. instalment plans
  • Discounted $49 annual fee for the first year ($99 p.a. thereafter)
  • 23.99% p.a. purchase interest rate | 25.99% p.a. cash advance rate
Go to Site
Promoted

Mastercard Credit Card Comparison

Data indicated here is updated regularly
Name Product Purchase rate (p.a.) Interest-free period Annual fee Balance transfer rate Balance transfer rate
Skye Mastercard
23.99% p.a.
Up to 110 days on purchases
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
Get up to $300 cashback, 110 days interest-free on everyday purchases, 0% foreign transaction fees and flexible instalment plan options.
Coles No Annual Fee Mastercard
19.99% p.a.
Up to 55 days on purchases
$0 p.a.
0% p.a. for 18 months with 1.5% balance transfer fee
0% p.a. for 18 months with 1.5% balance transfer fee
Earn flybuys points for your spending and save with an ongoing $0 annual fee and 0% p.a. on balance transfers for 18 months.
Bendigo Bank Low Rate Mastercard
11.99% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($45 p.a. thereafter)
0% p.a. for 6 months
0% p.a. for 6 months
Save with a $0 first-year annual fee and get a $150 Woolworths Supermarket gift card when you spend $1,000 in the first 60 days.
Westpac Low Rate Card
Finder Award
Westpac Low Rate Card
13.74% p.a.
Up to 55 days on purchases
$59 p.a.
0% p.a. for 20 months with 1% balance transfer fee
0% p.a. for 20 months with 1% balance transfer fee
A low rate card offering 0% p.a. interest on balance transfers for the first 20 months and a $200 cashback offer.
Qantas Premier Platinum
19.99% p.a.
Up to 55 days on purchases
$199 p.a. annual fee for the first year ($299 p.a. thereafter)
0% p.a. for 18 months
0% p.a. for 18 months
Get up to 80,000 bonus Qantas Points, 75 bonus Status Credits, a discounted first-year annual fee and a 0% p.a. balance transfer rate for 18 months.
Coles Low Rate Mastercard
12.99% p.a.
Up to 55 days on purchases
$58 p.a.
0% p.a. for 6 months
0% p.a. for 6 months
Save with a low purchase interest rate, earn flybuys points as you spend and get up to 55 days interest-free.
Qantas Premier Everyday
19.99% p.a.
Up to 55 days on purchases
$49 p.a.
0% p.a. for 12 months
0% p.a. for 12 months
Get up to 25,000 bonus Qantas points, a 0% balance transfer offer and complimentary insurance covers.
Coles Rewards Mastercard
19.99% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 18 months with 1.5% balance transfer fee
0% p.a. for 18 months with 1.5% balance transfer fee
Earn 2 flybuys points / $1 spent and save with a 0% balance transfer offer. Plus, 0% international transaction fees on purchases.
Citi Rewards Card
21.49% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($199 p.a. thereafter)
0% p.a. for 26 months with 1.5% balance transfer fee
0% p.a. for 26 months with 1.5% balance transfer fee
Save with 0% interest on balance transfers for the first 26 months (with a 1.5% BT fee) and a $0 annual fee for the first year.
Bankwest Breeze Classic Mastercard
0% for 15 months, reverts to 12.99% p.a.
Up to 55 days on purchases
$79 p.a.
2.99% p.a. for 9 months
2.99% p.a. for 9 months
Save with an introductory rate of 0% p.a on purchases for 15 months and 2.99% p.a. on balance transfers for 9 months.
Citi Simplicity Card
21.49% p.a.
Up to 55 days on purchases
$0 p.a.
0% p.a. for 6 months
0% p.a. for 6 months
Get 0% p.a. interest for up to 6 months on balance transfers with no balance transfer fee. Plus, a $0 annual fee for life.
Latitude Low Rate Mastercard
9.89% p.a.
Up to 55 days on purchases
$69 p.a.
Offers a competitively low interest rate and up to 55 days interest-free on purchases. Plus, price and purchase protection covers.
loading

Compare up to 4 providers

What are the benefits of using a Mastercard?

  • Global acceptance

Mastercard is accepted in hundreds of countries and millions of locations around the world. You can use your Mastercard wherever the Mastercard symbol is displayed, including at ATMs, EFTPOS terminals and online.

  • Mastercard PayPass

Just about all newly issued Mastercard credit cards are embedded with Paypass technology that enables cardholders to make contactless payments without entering a PIN for purchases under $100.

  • Emergency Services

You can contact Mastercard's 24/7 customer service team on 1800 120 113 within Australia. This service can help you with the reporting of lost or stolen cards, it can provide emergency replacement cards and cash advances, it can help you find the nearest Mastercard or Cirrus ATM, and it can provide information related to your account.

  • Mastercard World

With Mastercard World, cardholders can take advantage Mastercard wine privileges at participating restaurants, complimentary meals at partnered hotels plus exclusive dining and travelling experiences.

  • Mastercard Priceless Cities

Mastercard Priceless Cities offers cardholders access to a variety of unique and exclusive experiences ranging across realms like dining, shopping, entertainment, travelling, and golfing.

  • Currency conversion

When you use your Mastercard overseas, you don’t have to worry about making confusing currency conversion calculations. When you use your Mastercard to make a payment, it pays the merchant in the local currency, and bills you in Australian dollars.

What are the security features of a Mastercard credit card?

  • Mastercard SecureCode. This online program provides additional security when your credit card details make it to the online marketplace, minimising the possibility of unauthorised usage. Close to 600,000 online merchants support transactions made using Mastercard SecureCode.
  • Zero Liability. Mastercard’s Zero Liability policy protects cardholders from unauthorised and fraudulent charges made using their cards. You can receive protection though this policy if you meet certain criteria, which include exercising due diligence in keeping your card safe, and reporting theft, loss, or unauthorised use as soon as you find out.

How can I compare Mastercard credit cards?

  • Fees. The fees you end up paying depend on the credit card issuer you choose to go with as well as the card you get. While a basic no-frills Mastercard might require you to pay little or no annual fees, you might have to pay a noticeably higher annual fee if you get a gold or platinum Mastercard.
  • Interest rate offers. As well as standard purchase or cash advance rates, you can also compare Mastercard products based on any promotional interest rates that can help you cut costs with 0% purchase and balance transfer offers.
  • Credit card issuer. Mastercard products are available through a variety of Australian credit card issuers. As they determine many of the features and fees that come with the card, it's important to consider which company issues the card when comparing your options.
  • Rewards. While Mastercard does not provide a rewards program, you can find several Mastercard credit cards linked to various rewards and frequent flyer programs. This is something you should consider if you're looking to earn points as you spend.
  • Complimentary insurance covers. Some Mastercard products offer complimentary insurance covers including transit accident insurance, interstate flight inconvenience insurance, international travel insurance, purchase cover insurance, and extended warranty insurance.

While Mastercard products offer a variety of benefits, it's important to compare the different products offered by Australian issuers to find the right card for you.

History of Mastercard

Mastercard began operations in the late 1940s, at a time when a number of American banks gave their customers specially issued paper that they could use in the form of cash at local establishments. Mastercard issued its first batch of credit cards in California, to serve as direct competition to the Bank of America card that later went on to become Visa.

With time, a number of franchises evolved in several cities, and in 1966, one such group formed the Interbank Card Association (ICA). No single bank dominated the running of this organisation and member committees came into effect for this very purpose. ICA went on to become Mastercard in 1979.

History of Mastercard in Australia

By the late 1960s, ICA started spreading its wings outside the US, and its initial affiliations were with Banco Nacional in Mexico and the European Eurocard. Japanese members entered the picture in the same year. By the late 1970s, it had members from Japan and Africa. A further expansion in the 1980s saw it entering Asia, Latin America, and Australia.

As of now, Mastercard has over 30 offices around the world, with a particularly strong presence in the Asia-Pacific region. Its Australian headquarters is in North Sydney, NSW. The ‘big four’ banks all offer credit cards affiliated to Mastercard, as do a number of other smaller and regional banks.

Frequently asked questions

Back to top

Ask an Expert

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

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

51 Responses

  1. Default Gravatar
    bertgMarch 30, 2018

    I need to cancel my MasterCard and get an email confirming this, I note ,there is NO repeat NO email address for this .

    • Avatarfinder Customer Care
      JeniMarch 30, 2018Staff

      Hi Bertg

      Thank you for getting in touch with finder.
      For any card cancellation request, you must either call or visit the bank issuer of your MasterCard. You may ask them to send you the email about this request as well.

      I hope this helps.

      Have a great day!

      Cheers,
      Jeni

  2. Default Gravatar
    EliasDecember 26, 2017

    Hi I am looking for Platinum MC with rewards and no interest on balance transfer and no international transaction fee with complimentary Travel Insurance can you suggest few for me thanks

  3. Default Gravatar
    ZhiAugust 19, 2017

    I have a Westpac Earth platinum Master card. Does it come with free travel insurance?

    • Default Gravatar
      ArnoldAugust 19, 2017

      Hi Zhi,

      Thanks for your inquiry.

      Yes, your Westpac Earth Platinum Card comes with a complimentary travel insurance, but I’m afraid that the policy does not include cruise cover. You might like to compare travel insurance options which include cover for cruises here.

      Hope this information helped.

      Cheers,
      Arnold

  4. Default Gravatar
    BarbaraApril 12, 2017

    How do I find out if my Woolworths Rewards Card is connected to my Qantas Frequent Flyer account?

    • Avatarfinder Customer Care
      JasonApril 13, 2017Staff

      Hi Barbara,

      Thank you for your enquiry.

      You may check online if your Woolworths Rewards card is linked to your Qantas Frequent Flyer account by signing into your Woolworths Rewards account, select ‘My Account’ in the top right corner, then ‘Cards & accounts’ and scroll down to check your linked Qantas Frequent Flyer account.

      Please check out this link for a guide on how to link your Woolworths Rewards card to your Qantas Frequent Flyer account, if you have not linked the two accounts yet.

      I hope this helps.

      Kind regards,
      Jason

  5. Default Gravatar
    BobNovember 23, 2016

    Can you tell me if any master card have rewards or frequent flyer points please? I have 2 visa cards which both have rewards and woulike a MC to replace my Amex card.
    Thank you for your time with this email
    Regards Bob

  6. Default Gravatar
    RicardoNovember 17, 2016

    Can you please give me a active credit card to shop tomorrow, i love the site is the best

    • Avatarfinder Customer Care
      DeeNovember 17, 2016Staff

      Hi Ricardo,

      Thanks for reaching out.

      Please note that finder.com.au is a financial comparison and information website that helps users make better decisions. We are not a credit card company.

      Generally, if you apply for a credit card online and are approved, it would take around two weeks for you to receive your card through mail.

      Cheers,
      Anndy

  7. Default Gravatar
    ChrisOctober 28, 2016

    Hi,

    When I use the Platinum card overseas (say USA) what exchange rate is applied to convert the transaction to AUD? What is the transaction cost relative to the prevailing market rate?

    Cheers,

    • Avatarfinder Customer Care
      DeeNovember 2, 2016Staff

      Hi Chris,

      Thanks for your question.

      If you have a Mastercard credit card, the conversion rate that will be used will be that of Mastercard’s. You can find out the conversion rate for the day by visiting Mastercard’s website.

      The transaction costs for using a credit card overseas vary among Mastercard credit cards. When you click the name of the credit card in the above comparison table, you will be redirected to its review page where you can check the ‘Fees & Repayments’ for a particular card.

      I hope this helps.

      Cheers,
      Anndy

  8. Default Gravatar
    RoySeptember 25, 2016

    Hi,

    Why the Citibank CC is not available in your list?

    • Avatarfinder Customer Care
      DebbieSeptember 26, 2016Staff

      Hi Roy,

      Thanks for your question.

      Most of the available Citibank credit cards are Visa so we’ve listed some of them under our Visa credit cards comparison page.

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

      If you would like to see how Citibank compares, you can see review and comparison page for Citibank.

      I hope this helps.

      Cheers,
      Debbie

  9. Default Gravatar
    WilliamJanuary 9, 2016

    How do I report a lost Mastercard

    • Avatarfinder Customer Care
      YsaJanuary 9, 2016Staff

      Hi William,

      Thanks for your inquiry.
      You can contact MasterCard’s round-the-clock Emergency Services to report any lost or stolen cards.
      I’ve emailed you the relevant contact details for your convenience.
      I hope this helps.

      Cheers,
      Ysa

  10. Default Gravatar
    felixSeptember 23, 2015

    i might have given out my master card front face information to unknown person. please advice on what to do

    • Avatarfinder Customer Care
      JonathanSeptember 24, 2015Staff

      Hi Felix, thanks for your inquiry!

      In the event that your card information may have been compromised, it would be recommended to contact your bank as soon as possible to replace your credit card’s number and information.

      Cheers,

      Jonathan

Credit Cards Comparison

Data indicated here is updated regularly
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee
ANZ Low Rate - Exclusive Offer
12.49% p.a.
0% p.a. for 25 months with 1.5% balance transfer fee
$0 p.a. annual fee for the first year ($58 p.a. thereafter)
Finder Exclusive
Save with 0% p.a on balance transfers for 25 months (with a 1.5% BT fee) and $0 first year annual fee.
HSBC Platinum Credit Card - Balance Transfer Offer
19.99% p.a.
0% p.a. for 22 months
$129 p.a.
Save with a 22-month balance transfer offer. Plus, lounge passes, travel insurance and an annual fee refund when you spend an eligible $6k/year.
Bankwest Breeze Classic Mastercard
0% for 15 months, reverts to 12.99% p.a.
2.99% p.a. for 9 months
$79 p.a.
Save with an introductory rate of 0% p.a on purchases for 15 months and 2.99% p.a. on balance transfers for 9 months.
NAB Qantas Rewards Signature Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$295 p.a. annual fee for the first year ($395 p.a. thereafter)
Collect up to 130,000 bonus Qantas Points. Get 100k when you spend $3,000 on eligible purchases in the first 60 days and 30k after 12 months.
loading

Compare up to 4 providers

* The credit card offers compared on this page are chosen from a range of credit cards finder.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
Go to site