Earn Jetstar rewards or Qantas Points on your everyday purchases and save with a low ongoing rate and low annual fee. Also enjoy 0% p.a. on balance transfers for 14 months.
The Jetstar Mastercard allows you to earn rewards as you spend, while charging a low ongoing interest rate on purchases. When it comes to earning rewards, you can choose between the Jetstar Dollars Program and the Qantas Frequent Flyer Program. You can also consolidate debts from existing cards with a 0% p.a. for 14 balance transfer offer. If you decide to use the card for purchases, you can also save on interest costs with up to 55 interest-free days when you pay your balance in full.
| Product Name | Jetstar Mastercard |
|---|---|
| Rewards Program | Jetstar Dollars Program |
| Balance transfer rate (p.a.) | 0% p.a. for 14 months |
| Balance Transfer Revert Rate The interest rate after the balance transfer ends. | Purchase Rate (14.99% p.a.) |
| Purchase rate (p.a.) | 14.99% p.a. |
| Offer end date | 30 November 2017 |
| Annual fee | $29 p.a. annual fee for the first year ($69 p.a. thereafter) |
| Interest Free Period The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement. | Up to 55 days on purchases |
| Cash advance rate (p.a.) | 21.99% p.a. |
| Min credit limit This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure. | $2,000 |
| Max credit limit This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account. | $50,000 |
| Minimum Monthly Repayment | 2% or $50 whichever is greater |
| Minimum Income | $30,000 |
| Card Type | Mastercard |
| Late Payment Fee | $35 |
| Foreign Currency Conversion Fee (MC) Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution. | 3% of transaction value |
| Complimentary Travel Insurance | No |
| Available To Temporary Residents | No |
| Joint Application | No |
| Minimum Income | $30,000 |
|---|---|
| Minimum Age | 18 years of age |
| Available to Temporary Residents | No |
| Credit Rating Requirement Credit rating requirement is provided only as a guide. Understanding your credit file helps you make more informed decisions in regards to your finances. Learn more about what this means here. | Good |
| Min Credit Limit This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure. | $2,000 |
| Max Credit Limit This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account. | $50,000 |
| Annual Fee | $29 p.a. annual fee for the first year ($69 p.a. thereafter) |
|---|---|
| Minimum Repayment | 2% or $50 whichever is greater |
| Late Payment Fee | $35 |
| Over Limit Fee | $30 |
| Cash Advance Fee | 3% or $5 (whichever is greater) |
| Foreign Currency Conversion Fee (MC) Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution. | 3% of transaction value |
| Gambling Transactions Allowed | No |
| Additional Cardholder Fee | $9 p.a. |
| Number of Additional Cardholders | 4 |
| BPAY | Yes |
| Cheque | Yes |
| Direct Debit | Yes |
| Australia Post | Yes |
| Phone Banking | Yes |
| Internet Banking Transfers | Yes |
| Yes |
Pros
- Save up to $500 a year on flights.
- Enjoy 0% p.a. on balance transfers for 14 months.
- Get up to 55 days interest-free on purchases.
Cons
- This card does not come with concierge services and complimentary travel insurance.
| Rewards Program | Jetstar Dollars Program |
|---|---|
| Rewards Points per $ (VISA/MC) | 1 |
| Rewards Points per $ (VISA/MC) Cap | 500 |
| Rewards Points per $ (AMEX) Cap | N/A |
| Points Expiry | Never |
Jetstar Mastercard Review
Credit cards that come linked to rewards programs tend to charge high interest rates, which is clearly not the case with the Jetstar Mastercard. If you're struggling with a high interest debt, you can consolidate your debt faster with a introductory balance transfer offer of 0% p.a. for 14. You can choose your choice of Qantas or Jetstar rewards, giving you greater flexibility when redeeming your rewards. Plus, the reduced annual fee for the first year and interest-free days offer can also help keep your card costs to a minimum.
Benefits of the Jetstar Mastercard
- Domestic bonus flight. To receive a one-way domestic bonus flight, you must apply by 30 November 2017, opt-in to the Jetstar Dollars program and spend at least $2,000 on eligible purchases within 60 days of card approval.
- Annual fee. Apply and get approved by 30 November 2017 to receive a reduced annual fee of $29 for the first year. The annual fee is $69 thereafter.
- Balance transfer offer. Save on interest and repay your debt faster with a 0% p.a. balance transfer rate for 14 months. This will revert to 14.99% p.a. at the end of the promotional period.
- Choice of rewards programs. Earn points on your purchases with your choice of Qantas Points or Jetstar Dollars. You can redeem your Jetstar Dollars for travel vouchers, and you can redeem Qantas Points for reward flights, flight upgrades, or a range of merchandise.
- Low purchase rate. While most cards that offer rewards charge high purchase rates, the Jetstar Mastercard charges a competitive 14.99% p.a. on purchases.
- Mastercard benefits. You can use this card wherever Mastercard is accepted, including EFTPOS terminals and ATMs alike. You can also use it to make online and over the phone transactions. Mastercard Applause also gives you exclusive access to events and entertainment offers.
- Interest-free flying. Pay 0% interest for 6 months when you purchase a flight for $300 or more through the Jetstar website or call centre.
- No more booking and service fees. When you use your Jetstar Mastercard to book flights on the Jetstar website or call centre, you can avoid the standard Booking and Service fee.
Jetstar Mastercard features
- Awards. You get to choose between earning Jetstar Dollars and Qantas Points. You earn 1 Jetstar Dollar for every $100 spent on eligible purchases, or you earn 0.5 Qantas Points for every dollar you spend on eligible purchases. If you opt for the Qantas program, you'll have to pay an additional Qantas Frequent Flyer Rewards annual fee of $30.
- Interest-free days. If you pay your account’s outstanding balance completely before each due date, you can make use of as many as 55 interest-free days on purchases.
- Additional cards. You can request up to 4 additional cards, though you'll have to pay an annual additional card fee of $9 each.
- Card security. This card comes with an embedded microchip that offers increased protection against fraud when compared to cards that rely on magnetic strips. While Fraudshield keeps a track for unusual activity, SecureCode provides additional security in the online world.
- PayPass. You can use this PayPass enabled card to make contactless payments for purchases of $100 or less.
How to apply for the Jetstar Mastercard
You can apply for the Jetstar Mastecard online, and the process takes around 10 to 15 minutes. To begin, simply complete an online application form.
Eligibility criteria
Make sure you meet the following eligibility criteria before applying:
- You’re a permanent Australian resident
- You’re at least 18 years old
- You earn at least $30,000 in the form of taxable income
- You have good creditworthiness
Required documents
Completing the application requires that you have access to the following:
- Your Australian driver’s license number (provided you have one)
- Details of gross annual salary and monthly expenses
- Name, phone number, and address of your employer
- If you’re self-employed or retired, contact details of your accountant
While this card offers rewards and charges a low purchase rate and balance transfer offer, you can find other cards with similar features, so make sure you compare a few before making a decision.
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With regards to payment, it states you can pay in branch? Which bank / branch is this?
Cheers
Blair.
Hi Blair,
Thanks for your question.
As per Jetstar’s website, you can make your credit card payments through the following options:
1. Direct debit – Can be paid automatically each month by the due date, from the bank account of your choice. You can also choose to pay any amount equal to, or greater than the minimum payment due.
2. BPAY – Can be completed through phone or internet banking
3. Post – You can mail your cheque together with the completed payment slip from your monthly statement
4. Post Office – Payments can be made at any Australia Post office using cash, EFTPOS and cheques
I hope this has helped.
Cheers,
Ysa
I’m a senior receiving age pension only. Am I eligible to apply?
Hi Addie, thanks for your question!
If you earn a minimum taxable income of $30,000 p.a., you’ll be eligible to apply.
Meantime, if you would like to find out which other credit cards that consider applicants on Age Pension, please feel free to visit this page.
I hope this helps.
Cheers,
May
i thought i saw the annual fee for a special $29 for the first year is this still available?
Please send me the link to Jetstar MasterCard to apply online.
Thanks.
Hi Ryan,
Thanks for reaching out.
I have sent to your email the link where you can apply for the Jetstar MasterCard.
Cheers,
May
Hi Jacki,
Thanks for your inquiry.
It may have been an expired offer. The current annual fee for Jetstar MasterCard is $59 for the main cardholder, and a $39 fee for each additional cardholder.
For low annual fee credit cards, please refer to our comparison page here.
I hope this helps.
Cheers,
Debbie
Please help and advise how to apply for this card.
Thank you
Hi Sandor,
Thanks for your inquiry.
To serve as your guide, kindly refer to the “How to apply for a Jetstar MasterCard” section on this page.
I also emailed you the link to Jetstar’s official page for the different credit card options being offered, in which you can simply click on the “Apply now” button of your preferred card if you wish to apply online.
I hope this has helped.
Cheers,
Ally
How do I apply?
Hi Maria,
Thanks for your question.
I’ve emailed you a link to the online application for your perusal.
I hope this has helped.
Thanks,
Sally
Can I transfer an American Express balance which is a charge card?
Hi Libra,
Thanks for your question.
According to Jetstar’s balance transfer terms and conditions, you can complete balance transfers of $500 or more from banks, other financial institutions and store cards to your new Jetstar MasterCard account.
Therefore, it would appear that you should be able to transfer your balance from your American Express charge card to the Jetstar MasterCard. To confirm whether you’re eligible to apply, you may wish to contact Jetstar directly.
I hope this has helped.
Thanks,
Sally