Mastercard PayPass

Make fast and secure payments without entering your PIN using Mastercard PayPass.

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Mastercard PayPass is just one of the contactless payment options available for Aussie cardholders. This technology allows you to tap your card on a contactless payment terminal, rather than inserting or swiping your card and entering a PIN, to complete a purchase. You can use this guide to compare credit cards that offer Mastercard PayPass functionality, understand how the technology works and have all of your contactless payment security questions answered.

Mastercard PayPass Contactless Credit Cards Comparison

Name Product Purchase rate Interest-free period Annual fee Balance transfer rate
Citi Rewards Card - Balance Transfer Offer
21.49% p.a.
Up to 55 days on purchases
$49 annual fee for the first year ($149 p.a. thereafter)
0% p.a. for 30 months
Save on interest with 0% p.a. on balance transfers for 30 months with no balance transfer fee. Plus, a $49 first-year annual fee.
Coles No Annual Fee Mastercard - Exclusive Offer
0% p.a. for 12 months, reverts to 19.99% p.a.
Up to 55 days on purchases
$0
0% p.a. for 12 months
Finder Exclusive, ends 30 June 2021
Earn 10,000 bonus Flybuys points and save on interest charges with 0% p.a. on balance transfers and purchases for 12 months.
Citi Rewards Card - Flybuys Offer
21.49% p.a.
Up to 55 days on purchases
$49 annual fee for the first year ($149 p.a. thereafter)
0% p.a. for 15 months with 1% balance transfer fee
Get 100,000 bonus Flybuys points (worth $500 Flybuys dollars) when you spend $3,000 in the first 90 days. Plus, a $49 first-year annual fee.
Qantas Premier Platinum
19.99% p.a.
Up to 55 days on purchases
$225 annual fee for the first year ($299 p.a. thereafter)
0% p.a. for 18 months with 1% balance transfer fee
Enjoy 80,000 bonus Qantas Points when you spend at least $4,000 within the first 3 months, 80 bonus Status Credits on eligible spend, plus a discounted $225 first-year annual fee.
Citi Clear Card
14.99% p.a.
Up to 55 days on purchases
$49 annual fee for the first year ($99 p.a. thereafter)
0% p.a. for 15 months
Get $250 cashback when you spend $3,000 within the first 90 days. Plus, a 0% balance transfer offer and first-year annual fee discount.
Westpac Low Rate Card
13.74% p.a.
Up to 55 days on purchases
$0 annual fee for the first year ($59 p.a. thereafter)
0% p.a. for 28 months with 1% balance transfer fee
Save with a $0 annual fee for the first year, plus, a 0% interest rate on balance transfers for 28 months.
Coles Low Rate Mastercard
12.99% p.a.
Up to 55 days on purchases
$58
0% p.a. for 15 months
Enjoy a 0% interest on balance transfers for 15 months, with no BT fee. Plus, earn Flybuys points as you spend. Ends 30 June 2021.
humm90 Mastercard
23.99% p.a.
Up to 110 days on purchases
$99
0% p.a. for 36 months
Save with 0% interest on balance transfers for 36 months, with no balance transfer fee. Plus, up to 110 days interest-free on purchases.
Bankwest Zero Platinum Mastercard
14.99% p.a.
Up to 55 days on purchases
$0
0% p.a. for 26 months with 2% balance transfer fee
Get 0% p.a. on balance transfers for 26 months (with a 2% BT fee), ​an ongoing $0 annual fee and 0% foreign transaction fees.
Coles Rewards Mastercard
19.99% p.a.
Up to 55 days on purchases
$0 annual fee for the first year ($99 p.a. thereafter)
0% p.a. for 18 months with 1.5% balance transfer fee
Get 20,000 bonus Flybuys points (worth $100 at Coles), a $0 first-year annual fee and an 18-month balance transfer offer. Ends 30 June 2021.
Bendigo Bank Low Rate Credit Card
11.99% p.a.
Up to 55 days on purchases
$45
0% p.a. for 24 months with 2% balance transfer fee
Save with 0% p.a. on balance transfers for 24 months (with a 2% BT fee). Plus a 11.99% p.a. purchase interest rate. Ends 30 June 2021.
Bankwest Breeze Classic Mastercard
0% p.a. for 15 months, reverts to 9.9% p.a.
Up to 55 days on purchases
$0 annual fee for the first year ($49 p.a. thereafter)
0% p.a. for 15 months
Save with 0% p.a. on purchases and balance transfers for 15 months (with no BT fee). Plus, a $0 first-year annual fee.
Westpac Altitude Platinum Card
20.49% p.a.
Up to 45 days on purchases
$49 annual fee for the first year ($150 p.a. thereafter)
0% p.a. for 22 months with 1% balance transfer fee
Get 130,000 bonus Altitude Points (worth $450 cashback) when you spend $3,000 in the first 90 days, a 0% balance transfer offer and a $49 discounted annual fee.
Citi Rewards Card - Points & Gift Card Offer
21.49% p.a.
Up to 55 days on purchases
$49 annual fee for the first year ($149 p.a. thereafter)
0% p.a. for 15 months
Receive 90,000 bonus Citi reward Points (worth $400 in gift cards) and a $100 Coles eGift Card when you spend $3,000 in the first 90 days.
Bankwest Zero Mastercard
14.99% p.a.
Up to 55 days on purchases
$0
0% p.a. for 26 months with 2% balance transfer fee
Features an ongoing $0 annual fee and an introductory rate of 0% p.a. for 26 months on balance transfers (with a 2% BT fee).
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How does Mastercard PayPass work?

Mastercard PayPass is a form of contactless payment technology that lets you make in-store purchases faster. When you make a purchase of up to a limit of $100 at a merchant that has a Mastercard PayPass contactless terminal, you just need to hold your card within 4cm of the terminal to approve the purchase without entering your PIN. If the purchase is over $100, you can still make a contactless payment but you'll need to enter your PIN.Contactless payment coffee

Contactless payments use an embedded computer chip and radio frequency antenna to communicate with the contactless terminal card reader. Each contactless payment generates a unique code so that you won't be charged twice for contactless payments if you accidentally tap your card on the reader twice. If you have more than one contactless payment-enabled card in your wallet, it's wise to take the specific card out of your wallet and tap it against the reader rather than holding your wallet to the terminal. This will ensure the money is taken from the intended card. Once you see the green light on the terminal and hear a beep, you'll know the purchase has been approved.

To make things even easier, you may also be issued with a Mastercard PayPass key fob or payment tag, which is a special device that you can attach to your keychain to avoid getting your card out altogether. The small plastic fob or tag contains the same contactless computer chip and radio frequency antenna as your regular credit card.

Many credit card issuers in Australia also allow you to make Mastercard PayPass contactless payments using smartphone apps. This means that not only do you not have to enter your PIN, you might not even have to use your card to make purchases. You can compare cards that offer mobile contactless payments with our guide.

Is it safe to use Mastercard PayPass?

Contactless payments are just as safe as any other transaction. The following security procedures and policies are in place to make sure that your PayPass contactless payments are protected:

  • No accidental payments. As you need to hold the card within an inch or so of the terminal, there is little chance that an accidental payment will be made using your card as you walk by a terminal that is enabled to accept contactless payments.
  • Encryption technology. Each purchase generates a unique encryption code which ensures that you'll only be charged once, even if you accidentally tap your card against the terminal twice or if you don't hold your card on the reader long enough and you're asked to tap it again.
  • Mastercard Zero Liability guarantee. If your card has been lost or stolen, you should contact your card issuer immediately to either freeze or cancel the card. If your card has been stolen and used for unauthorised transactions, you'll be protected by Mastercard's Zero Liability guarantee and will be reimbursed for any fraudulent transactions.

Are contactless payments safe?

Mastercard PayPass is a simple, convenient and secure way to make contactless payments using your credit card. All new Mastercard credit cards come equipped with PayPass technology and most merchants accept PayPass in Australia. While using your card for contactless payments is mostly safe, it's important that you use it wisely and store it safely to prevent it from falling into the wrong hands. But if it does get lost or stolen, make sure that you report it immediately.

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10 Responses

    Default Gravatar
    askarisJanuary 5, 2015

    when will this be implemented?

      Avatarfinder Customer Care
      ElizabethJanuary 5, 2015Staff

      Hi Askaris,

      Thanks for your question.

      The PayPass feature has already been implemented on MasterCards. If you’re card has the PayPass symbol you’ll be able to use it to pay for purchases under $100.

      I hope this has helped.

      Thanks,

      Elizabeth

    Default Gravatar
    RichardAugust 8, 2014

    I have a paypass Frequent flyer mastercard . I have put money into this account but do not know where to look to find my balance. thank you Richard

      Avatarfinder Customer Care
      ShirleyAugust 11, 2014Staff

      Hi Richard,

      Please try logging into the online portal provided by the bank that issued the card.

      Once you’ve logged in, you can check your account balances. In some cases, you may need to register to use this service.

      All the best,
      Shirley

    Default Gravatar
    LeonAugust 5, 2013

    What are the details of the travel insurance included with the Bankwest MasterCard Platinum PayPass card?

      Avatarfinder Customer Care
      ShirleyAugust 5, 2013Staff

      Hi Leon,

      Thanks for your comment.

      I’ve emailed you about your query.

      Hope it helps,
      Shirley

    Default Gravatar
    AlexApril 11, 2012

    My bad, the Commonwealth Bank MasterCard Paypass does state $100- thanks anyways -A

    Default Gravatar
    AlexApril 11, 2012

    Is the information about the $35 limit for paypass above Incorrect? I just had a $44 purchase applied to my Commonwealth bank rewards credit card, i wasn’t asked, and by the time he said anything the charge to my card had been applied when he put my card on his reader. I did NOT authorize him to use my CC, i wanted to use another account. So i asked comm bank and they said it will work for transactions up to $100 !! I am so not impressed, and will likely change my provider. Thanks for any info on this. -Alex

      Avatarfinder Customer Care
      JacobApril 8, 2013Staff

      Hi Alex. Thanks for your question and apologies about the delay in this response. The PayPass limit is $100, you’re correct – thanks for pointing this out and the page has been amended. Jacob.

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