Get the answers to the most frequently asked questions about the Jetstar MasterCard and get the most out of it every time you use the card.
As a cardholder of the Jetstar credit card, you may have some questions you need answered. Here are the most frequently asked questions about the Jetstar MasterCard and the Jetstar Platinum MasterCard.
Comparison of Jetstar Credit Cards
Jetstar credit card features
What is the rate of interest on these cards?
The interest rate for the Jetstar credit card is 21.99% p.a. for any cash advances, and for purchases it is 14.99% p.a. The Jetstar Platinum MasterCard interest rate for cash advances is 21.99% p.a. and for purchases it is 19.99% p.a.
How is the interest rate calculated?
The interest-rate will be calculated according to any outstanding balance you have for every day during the statement cycle. When you receive your statements the annual percentage rate, which is also known as the "APR' will appear on the front page. This annual percentage rate is also known as the interest-rate. Calculation of the interest depends on the daily rate of interest, which is the ARR divided by the amount of days in that certain year. You can also find the rate on each statement which reflects the interest calculations done during the statement period.
How many days are interest-free?
There can be up to 55 days that are free of interest on purchases.
Will there be any changes made to this current interest rate?
If there are any changes in the interest rate you will be told in advance both via national newspapers and on your income statement. Interest rates can be changed, and the Macquarie Bank has the right to change them.
Where can I use these cards?
There are over 1.5 million ATMs where The Jetstar MasterCard or Jetstar Platinum MasterCard can be used worldwide. They display the Cirrus, MasterCard, or Maestro symbol for easy recognition.
How much is the annual fee?
For the Jetstar credit card the annual fee for the primary cardholder is $69 p.a., and the annual fee for the Premium Jetstar MasterCard is $169 p.a. for the primary cardholder.
How will the annual fee be charged and when?
When you first activate your card the annual fee will be charged, and then yearly on the same date.
Can I make purchases online using my card?
Yes, you can use your card to make purchases online. You will also be protected from all fraudulent or unauthorised purchases on the Internet with MasterCard's Zero Liability promise available on both cards.
Can my card be used overseas?
These cards can both be used overseas, in countries and facilities where MasterCard is accepted.
Can the cards be used at an ATM?
Yes, wherever the Maestro, Cirrus or MasterCard is displayed on the ATM. There are over 1.5 million worldwide ATMs that display these logos, and it is as simple as using your card and entering your PIN.
What are the other Charges and Fees?
APR % Rate on Purchases:
Jetstar credit card - 14.99% p.a.Jetstar Platinum MasterCard - 19.99% p.a.
APR % Rate on Cash Advances:
Jetstar MasterCard - 21.99% p.a.Jetstar Platinum MasterCard - 21.99% p.a.
Daily Limit for ATM Cash Advances:
Jetstar credit card - $1000 (subject to available credit)
Jetstar Platinum MasterCard - $1000 (subject to available credit)
Fee for Annual Cardholder (Primary Cardholder):
Jetstar MasterCard - $69 p.a.Jetstar Platinum MasterCard - $169 p.a.
Fee for Annual Cardholder (Additional Cardholder):
Jetstar credit card - $9 (up to 4 allowed)
Jetstar Platinum MasterCard - $39 (up to 4 allowed)
Standard Introductory Rate:
Jetstar MasterCard - 0% p.a. for 14 months on any Balance Transfers
Jetstar Platinum MasterCard - 0% p.a. for 14 months on any Balance Transfers
Maximum Credit Line:
Jetstar MasterCard - $50,000Jetstar Platinum MasterCard - $100,000
Daily Limit on Over-the-Counter Cash Advances:
Jetstar MasterCard - $5000 (subject to available credit)
Jetstar Platinum MasterCard - $5000 (subject to available credit)
Jetstar MasterCard - Up to 55 days only on purchases
Jetstar Platinum MasterCard - Up to 55 days only on purchases
Fee for Overlimit:
Jetstar credit card - $30 for each statement period
Jetstar Platinum MasterCard - $30 for each statement period
Fee for Late Payment:
Jetstar MasterCard - $35 for each statement period
Jetstar Platinum MasterCard - $35 for each statement period
Fee for Dishonour:
Jetstar MasterCard - $40 each time a payment is dishonoured to the account
Jetstar Platinum MasterCard - $40 each time a payment is dishonoured to the account.
Fee for Over-the-Counter Transaction:
Jetstar credit card - $2
(Fee applies for each payment by cash, cheque or EFTPOS made at Australia Post outlets)
Jetstar Platinum MasterCard - $2
(Fee applies for each payment by cash, cheque or EFTPOS made at Australia Post outlets)
Fee for Foreign Exchange:
Jetstar MasterCard - 3% of the value of each transaction of foreign currency
Jetstar Platinum MasterCard - 3% of the value of each transaction of foreign currency
Fee for Voucher Request:
(Not charged if dispute is decided in customers favour)
Jetstar credit card - $8
Jetstar Platinum MasterCard - $8
Fee for Paper Statement (electronic option is default):
Jetstar MasterCard - $2.50 for each statement
Jetstar Platinum MasterCard - $2.50 for each statement
Information Request Fee for written information, including duplicate statement:
Jetstar credit card - $7
Jetstar Platinum MasterCard - $7
All charges and fees are subject to change.
Can I pick out my own PIN?
Unfortunately the pin number that was originally issued with the card cannot be changed.
To access different areas of my account which passwords do I need?
To access MyCards you will need your temporary access code. Access codes can be requested by calling 1300 150 100.
To obtain an ATM cash advance or to verify sales at a retail store you will need your retail ATM PIN.
What if I forget the password for MyCards?
Your Internet password can be reset by calling 1300 150 100. It will then be sent to you within five business days.
What if I forget my PIN?
We can send your ATM PIN to you by calling 1300 150 100.
Transfer of balances
What is a transfer of balance?
A balance transfer is a request to transfer all or part of another credit card's outstanding balance over to your Jetstar credit card account. We will BPay money to the card account nominated and debit this amount to your Jetstar account. It can take up to five working days for these requests to be completed.
When can balance transfer be requested?
This can be requested either when you apply for the card, or later by going online and completing the request for a balance transfer through MyCards.
What is the balance transfer limit?
The balance transfer limit is $500 less than the credit limit you have on your card. If by any chance the amount of your transfer is greater than your current limit you will be contacted before your request is processed.
What do I do if my card has been lost or stolen?
This needs to be called in immediately to 1300 150 100, or +61 2 8232 4677 if you're calling from overseas. These calls can be handled seven days a week and twenty-four hours a day.
Why is there a chip on my Jetstar card?
A security microchip is indebted in every Jetstar credit card to make it more secure than regular cards, which have a magnetic strip on the back of them. This microchip makes it very difficult for others to copy the details on your card.
Maintenance of the account:
What is the cash advance limit?
There is a daily limit of $5000 if it is done at a bank over-the-counter, and $1000 using an ATM.
How can I get a cash advance?
You can get one at an ATM that accepts the MasterCard credit card, and you can also request one at a bank that accepts any MasterCard credit card. You will need to bring photo ID as well as with your card with your signature on it.
How often do you send a statement?
Statements are sent out monthly as long as you have done a transaction during that month.
Can I change the date that my bill is due?
Yes, you can make that request by calling 1300 150 100. We do ask that the date be somewhere between the first and the twenty-eighth day of the month.
Is a statement sent out to an additional cardholder?
No, the statement is only sent out to the primary cardholder. This statement will contain all the details of any charges and purchases accrued by both the primary and additional cardholders.
Can a statement be sent by e-mail?
Yes, you can request that your statements be sent by e-mail by calling 1300 150 100 or by making the request at MyCards. You will save the $2.50 monthly charge that you have to pay for a paper statement.
Is this same level of access available to the additional cardholder as well as the primary cardholder?
They do have the same level of access as the primary cardholder however they cannot make any changes to the account.
How can a replacement credit card be ordered?
A new card can be sent to you within seven working days by calling 1300 150 100 if your card has been damaged.
Is a third party allowed to have access to information about my account if I authorise it?
Yes, a third-party can be authorised to access this information. This can be done by going to MyCards and downloading the form 'Authorised Representative Request'.
What exactly is an outstanding authorisation?
Sometimes an estimated value of the purchase is put on hold so that the merchant has a period of days to get the transaction processed. This does not affect the balance owing on the card at all, but it does reduce the available credit.
How can I make payments to my account?
1. BPay ® - You can use Internet banking or the phone to do it this way. Your reference number will be the same as your account number found on your statement and your 16-digit card number, ( which are the same). The biller code will be 423343.
2. Direct Debit - You can pay your bill automatically every month from your bank account. This will ensure that your payments arrive by the due date every month. You have the choice of paying the amount owed or more.
3. Post Office - Payments made directly at an Australia Post using EFTPOS or cash will need at least 48 hours for the payment to be processed. It will take at least six working days for a cheque to clear, but the funds will be considered as a payment the day of the cheque deposit. A $2 transaction fee will apply for any of these methods used.
4. Post - Please send a cheque that is payable to GPO Box 46990 Sydney NSW 2001, with the account number included. Please complete the payment slip that you received with your monthly statement and include it as well. No notes or coins are allowed.
Additional cardholders on the account:
What does an 'additional cardholder' mean?
Additional cardholders are other people that you allow to make transactions that are on your account. They will be given their own card but all of the transactions will show up on your account. For an annual fee of nine dollars each, Jetstar MasterCard holders can have four additional cardholders added. The annual fee for additional cardholders for the Jetstar Platinum MasterCard is thirty-nine dollars each, up to a limit of four added.
How can an additional cardholder be added or removed from my account?
You can complete an Additional Cardholder Request Form to add a cardholder, but to remove one you will have to call 1300 150 100.
Is the same level of access available to the additional cardholder as the primary cardholder?
Yes, they will have the same level of access to the account but they cannot make any changes to it.
Are the details of my credit card account available online?
Yes, you can request an electronic statement, payment information, view your balance and transactions, etc. at the online banking website at www.Jetstar.com/cards
What is an access code?
This is the code given specifically to you as a customer of Card Services that identifies you so that you can access all of the facilities at our self service banking.
Am I able to make payments that are future dated via BPay?
No, unfortunately future dated payments cannot be done using telephone banking or the Internet.
Jetstar credit card application
How to apply for a Jetstar MasterCard
You can make an application on the Internet, or request a form to fill out at www.Jetstar.com/cards.
Who is eligible to apply?
Any resident of Australia, who earns $30,000 per year as a minimum taxable income can apply. This applicant must also be able to supply their own Australian mailing address.
How long does it take to get a card?
The processing typically takes place in ten business days or less, assuming all of the information has been adequately provided.
Is my personal limit available to me before I apply?
No you will have to wait until your application has been approved to find out your limit.
When can I apply for a higher limit?
You are able to apply for a higher credit limit after six months. You will also be notified if you are eligible for a higher limit if we see you qualify during regular reviews of your limit.
How do you decide what limit I can have?
Our credit policy determines your credit limit based on the information you have provided on your application.
What is my employment status if I am a franchisee?
You should choose 'self employed'.
Can I add an additional cardholder?
Yes, you can add up to four additional cardholders. Their transactions will be authorised on your account and they will be given their own cards. Each additional cardholder for the Jetstar credit card will be charged a nine dollar annual fee, while the additional cardholders for the Jetstar Platinum MasterCard will have to pay a thirty-nine dollar annual fee.
Can my children and partner get a card?
If you have a children aged 16 or less, they and your partner can be authorised to be an additional cardholder. You can provide details of the additional cardholders on the application form, or download the form online.
Alternately, your child or partner can apply for their own personal card if they are over 18 years of age.
If I have an overseas address as my previous address may I apply?
Yes, as long as you have a current Australian address. Just include your previous overseas address in the proper field on the application form.
The program for Jetstar Dollars
How can I get Jetstar Dollars?
Any eligible purchases made using the Jetstar credit card will give you one Jetstar Dollar per hundred dollars spent. For the Jetstar Platinum MasterCard you will receive two Jetstar Dollars per hundred dollars spent on eligible purchases. These dollars will not be given for:
- Credit card protection insurance payments
- Cash Advances
- Purchases of gambling chips
- Government charges
- Purchases using Foreign exchange
- Bank fees and charges and interest(including GST payable on these)
- Reversed transactions (refunds)
- Balance transfers or any other special promotions
- Balance transfers or any other special promotions
- Transactions that are business-related or connected with any type of business expenditure
How can I update my new e-mail address?
In accordance with the conditions of use you can update your e-mail address by calling 1300 150 100, or in writing. Your e-mail address must be valid in order to redeem your Jetstar Dollars.
How are my Jetstar Dollars redeemed as Jetstar Flight Vouchers?
Once you have collected 100 Jetstar Dollars you will be qualified for a $100 Jetstar Flight Voucher. As a Jetstar Platinum MasterCard cardholder you will get a $200 Jetstar Flight Voucher once you have collected 200 Jetstar Dollars. They will automatically be e-mailed to you using the last valid e-mail on your account. It is important to keep your e-mail address updated at all times.
You can also request earlier reductions of your Jetstar Dollars by calling 1300 150 100. Your Jetstar Dollar balance must be at least twenty-five dollars in order for one to be sent because the minimum amount for a Voucher can only be twenty-five dollars. It may take up to five days for processing, and these Vouchers cannot be deferred for use at a later date.
How can Jetstar Flight Voucher's be used?
You can visit Jetstar.com in order to find your flights. You can redeem your Vouchers by clicking on the Voucher tab and filling in the necessary details. If the cost of the flight is greater than the value of the Voucher you will have to pay the difference. You may have to pay an extra credit card fee if you use another credit card other than your Jetstar MasterCard or Jetstar Platinum MasterCard. All of the Voucher must be used up at once and if the value of the Voucher surpasses the cost of the flight then you will have to forfeit the remaining value of the Voucher. You can also call to book your travel arrangements by calling 131 538.
Flight reservations are subject to availability at booking time, fares that are quoted at the booking time and Jetstar's Conditions of Carriage. At the time of booking the standard JetFlex, JetSaver Light, StarClass and JetSaver, fare rules apply. Name changes are not allowed and airfares are not refundable unless otherwise stated.
What can my Jetstar Flight Vouchers be used for?
You can use these Vouchers to book a Flight with Jetstar Flights only. This will also include fees, taxes, fares and other charges that occur when booking through Jetstar, either by phone or on the Internet. The Vouchers may not be used for any other type of booking such as car hire, accommodations or activities.
Who is able to use my Vouchers?
Only you are able to book the Flights, but you can book them for other relatives if you want, and you do not have to be one of the passengers. You will have to be able to prove to us that you are related. Examples of allowable relatives are:
- Husband and Wife
- Parent and Step-parent
- Children, including Foster and Step-children
- Domestic Partner and De Facto
- Half Brother or Half Sister
- Uncle or Aunt
- Son or Daughter-in-law
- Father or Mother-in-law
- Nephew or Niece
- First Cousin
- You cannot transfer your right of use to these Vouchers to anyone else or to any additional cardholders.
How can I keep track of my Dollars?
Your Jetstar Dollar balance is available for viewing at MyCards.
If we have made any errors and you have not been credited or debited improbably we might make an adjustment, backdating if necessary.
Is there an expiration date on the Jetstar Dollars?
As long as your account is still open your Jetstar Dollars will not expire. If your account is closed or you pass away, your Jetstar Dollars participation is automatically cancelled and all of your Jetstar Dollars forfeited.
Jetstar Dollars may not be transferred for any reason. This program can be discontinued at any time. You will be given 30 days from the time of termination to make a Jetstar Dollars redemption.
Can Jetstar Dollars ever not be awarded?
If your account gets canceled or suspended or you have breached any of the conditions of use then your Jetstar Dollars balance will appear as zero. You will continue, to collect Jetstar Dollars during this period, however we do reserve the right to exclude or suspend you from obtaining more Jetstar Dollars at any time.
Is there a limit as to how many Jetstar Dollars I can earn?
You can earn Jetstar Dollars based on a maximum spending limit of $50,000 yearly on the Jetstar credit card and $100,000 yearly on the Jetstar Platinum MasterCard.
How much time do I have to make use of my Vouchers?
An issue date is shown on the upper right hand side of your Flight Voucher. Any travel has to be booked within three months of this issue date, and your travel has to be completed within a six-month period from the issue date.
How can I claim any Jetstar Dollars I see missing?
You can call Card Services at 1300 150 100. Any missing Jetstar Dollars that were supposed to be awarded more than three months after the relevant transaction took place cannot be disputed.
If you have any further questions you can call 1300 150 100 and speak to a friendly representative.
What is the connection between Macquarie Bank and Jetstar?
Macquarie Bank Limited ABN 46 008 583 542 owns Card Services, which is a division of the company. It issues
both of the Jetstar credit card's and administers and provides the credit. Jetstar Airways Pty Ltd ABN 33 069 720 243 receives the redemptions of the two cards.