Mastercard credit cards
Comparison of Mastercard credit card rates, fees, and features.
Comparing of 16 Mastercard credit cards
Not available for application via this website
Balance transfer
24 months at 0% p.a.
Purchase rate
12.99% p.a. ongoing
Interest-free days
55 days
Annual fee
$49.00 p.a. ongoing
Highlights
- Get 0% p.a. interest on balance transfers for 24 months, with a 3% balance transfer fee (then 12.99% p.a. thereafter).
- An annual fee of $49 p.a., making it an affordable option.
- Add up to 3 additional cardholders at no extra cost.
Pros
Cons
Not available for application via this website
Balance transfer
24 months at 0% p.a.
Purchase rate
12.99% p.a. ongoing
Interest-free days
55 days
Annual fee
$59.00 p.a. ongoing
Highlights
- Get 0% p.a. interest on balance transfers for 24 months, with a 3% balance transfer fee (then 12.99% p.a. thereafter).
- No foreign transaction fees.
- Plus, complimentary overseas travel insurance for you and your family.
Pros
Cons
Not available for application via this website
Balance transfer
6 months at 0% p.a.
Purchase rate
6 months at 0% p.a.
Interest-free days
55 days
Annual fee
$0.00 p.a. ongoing
Highlights
- No annual fee for the life of the card.
- 0% p.a. for 6 months on purchases and transferred balances (with a 3% balance transfer fee). Returns to 18.99% p.a. thereafter.
- Add up to 3 additional cardholders at no extra cost.
Pros
Cons
Not available for application via this website
Balance transfer
6 months at 0% p.a.
Purchase rate
6 months at 0% p.a.
Interest-free days
55 days
Annual fee
$0.00 p.a. ongoing
Highlights
- 0% p.a. for 6 months on purchases and balance transfers, with a 3% balance transfer fee. (Reverts to 18.99% p.a. thereafter.)
- No foreign transaction fees, including when you're shopping at an overseas online store.
- No annual fee to pay for the life of the card.
- Put up to five eligible purchases on an interest-free payment plan with Easy Instalments.
- Credit limits start from a minimum of $6,000.
Pros
Cons
Not available for application via this website
Balance transfer
N/A
Purchase rate
13.74% p.a. ongoing
Interest-free days
55 days
Annual fee
$59.00 p.a. ongoing
Highlights
- Get up to $350 cashback when you apply online and get approved. Receive a $50 cashback monthly for spending over $1,000 in the first 7 statement periods.
- A low 13.74% p.a. interest rate on purchases helps keep costs manageable.
- Split purchases over $100 into 4 payments over 6 weeks with PartPay, making it easier to manage larger expenses.
Pros
Cons
Not available for application via this website
Balance transfer
N/A
Purchase rate
20.99% p.a. ongoing
Interest-free days
45 days
Annual fee
$99.00 for 1st year
Highlights
- Earn up to 120,000 bonus Altitude Rewards Points. Get 90,000 Altitude Rewards Points when you spend at least $3,000 on eligible purchases in the first 90 days from new card approval, and an additional 30,000 points after your first eligible purchase in the second year. Terms and Conditions apply.
- Earn 3 Altitude points per $1 on Qantas, Jetstar and Virgin Australia flights bought in Australia, subject to eligibility criteria.
- Earn 2 points per $1 spent on Uber, Uber Eats, Spotify Premium, Airbnb, and Overseas spend (including overseas purchases made from Australia).
- Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.
Pros
Cons
Not available for application via this website
Balance transfer
N/A
Purchase rate
20.99% p.a. ongoing
Interest-free days
45 days
Annual fee
$49.00 for 1st year
Highlights
- Earn 75,000 Qantas Points when you spend at least $4,000 on eligible purchases in the first 90 days from new card approval. Terms and Conditions apply.
- Earn 0.5 points for every $1 spent on eligible domestic and overseas purchases.
- Points are automatically transferred to your Qantas Frequent Flyer account, ready to use for flights, upgrades, shopping, and more.
- Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.
Pros
Cons
Not available for application via this website
Balance transfer
N/A
Purchase rate
20.99% p.a. ongoing
Interest-free days
45 days
Annual fee
$200.00 for 1st year
Highlights
- Earn up to 180,000 bonus Altitude Points. Receive 130,000 Altitude bonus points by spending $6,000 on eligible purchases within 120 days of card approval. Additionally, get 50,000 points after your first eligible purchase in year 2. Exclusions apply.
- Earn 6 Altitude points per $1 on Qantas, Jetstar, Singapore Airlines, and Emirates flights bought in Australia, subject to eligibility criteria.
- Redeem your points for gift cards, travel, transferring to partner airline programs, and other rewards.
- Get 2 free Priority Pass lounge visits each year.
- Use the Concierge Service to book experiences online, including exclusive tickets, last-minute reservations, and more.
- Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.
Pros
Cons
Not available for application via this website
MONEYME Freestyle Virtual Card
Make sure you meet the following criteria before applying.
Application requirements:
Balance transfer
N/A
Purchase rate
From 18.74% p.a. ongoing
Interest-free days
55 days
Annual fee
From $0.00 p.a. ongoing
Highlights
- Use virtual card instantly once approved (typically within 60 mins)
- Tap n Pay with up to 55 days interest free
- Use credit to transfer money to anyone
- Exclusive features
- Thousands of 5-star customer reviews
Bank promo
Pros
Cons
Not available for application via this website
Balance transfer
6 months at 0% p.a.
Purchase rate
20.99% p.a. ongoing
Interest-free days
44 days
Annual fee
$349.00 for 1st year
Highlights
- Earn up to 90,000 bonus Qantas Points. Get 50,000 bonus Qantas Points when you spend $5,000 or more on eligible purchases within 3 months from card approval. Plus, an extra 40,000 bonus points if you haven't earned Qantas Points with a credit card in the past 12 months. Terms and Conditions apply.
- Get 0% interest on balance transfers for 6 months with a 2% fee, reverting to the cash advance rate afterward.
- The annual fee is reduced to $349 for the first year, then increases to $399 p.a. thereafter.
Pros
Cons
Not available for application via this website
Balance transfer
N/A
Purchase rate
0% p.a. ongoing
Interest-free days
N/A
Annual fee
$0.00 p.a. ongoing
Highlights
- Zero interest, zero late fees.
- Three credit limit options: $1,000, $2,000, or $3,000.
- Monthly fee remains straightforward: $15, $20, or $25, corresponding to your chosen credit limit.
Pros
Cons
Not available for application via this website
Balance transfer
N/A
Purchase rate
0% p.a. ongoing
Interest-free days
N/A
Annual fee
$0.00 p.a. ongoing
Highlights
- This card offers 0% interest, helping you save on interest costs.
- $0 fee if you have no outstanding balance; otherwise, a $10 monthly fee applies.
- Access Westpac Extras and Rewards for additional offers and perks.
Pros
Cons
Not available for application via this website
Balance transfer
N/A
Purchase rate
27.99% p.a. ongoing
Interest-free days
55 days
Annual fee
$0.00 for 1st year
Highlights
- Earn up to $300 cashback when you spend at least $1,000 on eligible purchases every statement period for your first 3 months from approval.
- $0 annual fee on the first 12 months.
- There are no foreign transaction fees for purchases during travel or online shopping.
- Get FREE access to airport lounges, food, drinks, and Wi-Fi if your flight is delayed for 2+ hours.
Pros
Cons
Not available for application via this website
Balance transfer
N/A
Purchase rate
20.74% p.a. ongoing
Interest-free days
44 days
Annual fee
$99.00 p.a. ongoing
Highlights
- Get 10% off one Coles shop (up to $50) and join Coles Plus Saver for free when you apply by 30 June 2025, get approved as a new Coles Plus Saver member, and link your Flybuys. Terms and Conditions apply.
- Earn 2 points per $1 on eligible spend—this is in addition to the regular Flybuys Points earned from other partners.
- Pay $0 in international transaction fees for purchases made online or overseas.
Pros
Cons
Not available for application via this website
Balance transfer
N/A
Purchase rate
20.74% p.a. ongoing
Interest-free days
44 days
Annual fee
$0.00 p.a. ongoing
Highlights
- No annual fee ever.
- Get access to complimentary insurance.
- Earn 1 Flybuys point per $2 spent on eligible purchases.
