Mastercard Credit Cards
Compare Mastercard credit card rates, fees, and features to find the best card for you.
Comparing of 7 Mastercard credit cards
On Bankwest's website
Balance transfer
24 months at 0% p.a.
Purchase rate
12.99% p.a. ongoing
Interest-free days
Up to 55 days on purchases
Annual fee
$59.00 p.a. ongoing
Details
- Move your balance with 0% interest p.a. for 24 months, plus a 3% transfer fee. After that, it shifts to 12.99% p.a.
- Shop online or overseas without foreign transaction fees.
- You and your family get free overseas travel insurance as a handy extra.
Pros & cons
Pros
- Enjoy 0% interest p.a. on balance transfers for 24 months.
- Keep ongoing purchase interest low at 12.99% p.a.
- Pay a modest annual fee of $59 p.a.
- Add up to three extra cardholders for free.
- Get up to 55 days interest-free on purchases.
- Start with a credit limit as low as $6,000.
- Lock your card quickly if needed through the Bankwest App.
- Spread up to five purchases over four monthly payments at 0% interest with Easy Instalment Plans.
Cons
- This card has no rewards program.
- Balance transfers come with a 3% fee.
- Cash advances attract 21.99% interest p.a.
On Bankwest's website
Balance transfer
24 months at 0% p.a.
Purchase rate
12.99% p.a. ongoing
Interest-free days
Up to 55 days on purchases
Annual fee
$49.00 p.a. ongoing
Details
- Move your balance with 0% interest p.a. for 24 months, plus a 3% transfer fee. It then changes to 12.99% p.a.
- Pay a low annual fee of $49 p.a., which keeps it budget-friendly.
- Add up to three extra cardholders at no cost.
Pros & cons
Pros
- Enjoy 0% interest p.a. on balance transfers for 24 months.
- Keep purchase interest low at 12.99% p.a. ongoing.
- Get up to 55 days interest-free on purchases.
- Start with a credit limit from just $1,000.
- Lock your card easily through the Bankwest App if you need to.
- Spread up to five purchases over four monthly payments at 0% interest with Easy Instalment Plans.
Cons
- This card offers no rewards program.
- Balance transfers include a 3% fee.
- Foreign transactions attract a 2.95% fee.
On Bankwest's website
Balance transfer
6 months at 0% p.a.
Purchase rate
6 months at 0% p.a.
Interest-free days
Up to 55 days on purchases
Annual fee
$0.00 p.a. ongoing
Details
- Enjoy 0% interest per year for six months on purchases and balance transfers, with a 3% balance transfer fee. It then changes to 18.99% per year.
- Pay no foreign transaction fees, even for online shopping from overseas stores.
- Keep costs down with no annual fee for life.
- Spread payments with Easy Instalments, putting up to five eligible purchases on an interest-free plan.
- Start with a credit limit from at least $6,000.
Pros & cons
Pros
- No annual fee suits this card for everyday or spare use.
- Six months interest-free on purchases and balance transfers helps manage spending.
- No foreign transaction fees on currency or overseas buys.
- Make interest-free repayments on up to five eligible purchases through Easy Instalments.
- Begin with a minimum credit limit of $6,000.
- Get up to 55 days interest-free by paying your full statement balance.
- Balance transfers switch to the purchase rate, not the higher cash advance rate.
- Transfer up to 95% of your credit limit.
Cons
- A 3% fee applies to balance transfers, which you can add to your balance.
- This card does not earn rewards points, common for no-fee options.
- Balance transfers need at least $500, though most users move more.
On Bankwest's website
Balance transfer
9 months at 2.99% p.a.
Purchase rate
19.99% p.a. ongoing
Interest-free days
Up to 44 days on purchases
Annual fee
$199.00 p.a. ongoing
Details
- Start strong with up to 80,000 bonus Qantas Points. Spend $7,500 on eligible purchases in the first 90 days and keep your card open for over 15 months to claim them. This is a limited-time deal for new customers only, with terms and conditions that apply.
- Earn 0.6 Qantas Points for every dollar on your first $2,500 spent each month on eligible purchases, then 0.3 points per dollar after that.
- Enjoy free overseas travel insurance for you and your family when you book flights using this card.
- Pay no foreign transaction fees on purchases made online or overseas.
Pros & cons
Pros
- Grab 80,000 bonus Qantas Points once you meet the criteria.
- Get extra cover with extended warranty and purchase security insurance, where conditions apply.
- Build Qantas Points without any cap.
- Save $99.50 on a free Qantas Frequent Flyer membership that comes with the card.
- Transfer balances at 2.99% p.a. for nine months, with 0% transfer fee.
- Add up to three extra cards at no cost.
- Set up easy instalment plans at 0% interest.
Cons
- Some other rewards cards give higher points per dollar.
- The $199 yearly fee has no waiver option.
- Cash advances cost 21.99% p.a.
- Purchases get up to 44 days interest-free.
On Latitude Financial Services' website
Balance transfer
12 months at 6.99% p.a.
Purchase rate
27.99% p.a. ongoing
Interest-free days
Up to 55 days on purchases
Annual fee
$0.00 for 1st year
Details
- Limited-time deal for new customers. Apply and get approved by 17 November 2025 to earn up to $340 in Latitude Rewards. Spend $1,000 each month for the first three months to claim a bonus $100, and unlock up to $240 more each year on local and overseas purchases that qualify. Terms and conditions apply.
- No annual fee in your first year. From year two, keep it waived by spending at least $12,000 on eligible purchases each year. The standard annual fee is $96, with other charges and terms that apply. This offer is for new customers only, and you must meet the minimum spend.
- Shop overseas or online without foreign transaction fees.
- If your flight delays by two hours or more, enjoy free access to airport lounges with food, drinks and Wi-Fi.
Pros & cons
Pros
- New customers can earn up to $340 in Latitude Rewards.
- Begin spending right away with Apple Pay, before your physical card arrives.
- Transfer balances at 6.99% interest p.a. for 12 months, with a 3% fee. Any remaining balance after that attracts the cash advance rate of 29.99% p.a., which could change.
- Your first-year $96 annual fee gets waived for new approved customers. Spend $12,000 on eligible purchases in year one to waive it for year two.
- Save up to 10% on hotel bookings through Expedia or Wotif for your next trip.
- Get 3GB of free data each calendar year with Flexiroam, plus 15% off extra data.
- Stay protected with purchase and e-commerce insurance.
- Add an extra cardholder at no cost.
Cons
- Purchases attract a high interest rate of 27.99% p.a.
- Cash advances cost 29.99% p.a., so steer clear of them.
On Latitude Financial Services' website
Balance transfer
12 months at 6.99% p.a.
Purchase rate
9 months at 0% p.a.
Interest-free days
Up to 55 days on purchases
Annual fee
$69.00 p.a. ongoing
Details
- Get this limited-time deal for new customers. Apply by 12 January 2026 to enjoy 0% interest on everyday purchases for the first nine months. After that, it shifts to a low ongoing rate of 13.99% p.a.
- Earn 3% back in Latitude Rewards on regular payments to selected utilities, telco providers and streaming services.
- Add one extra cardholder for free.
- This offer stands alone and cannot combine with others.
Pros & cons
Pros
- Earn Latitude Rewards by shopping through the merchant offers portal.
- Benefit from a low ongoing purchase rate of 13.99% p.a., better than many standard cards.
- Transfer balances at 6.99% interest p.a. for 12 months, with a 3% fee. Any leftover balance after that attracts the cash advance rate of 29.99% p.a., which may change.
- Stay on top of your spending with the easy-to-use Latitude App.
Cons
- Cash advances hit you with a high 29.99% interest rate p.a.
- Overseas transactions come with a 3% foreign exchange fee.
- Miss a payment and face a $45 late fee.
On Latitude Financial Services' website
Balance transfer
12 months at 6.99% p.a.
Purchase rate
13.99% p.a. ongoing
Interest-free days
Up to 55 days on purchases
Annual fee
$0.00 for 1st year
Details
- New customers can take advantage of this limited-time deal. Apply and get approved by 12 January 2026, then make an eligible purchase within 90 days to skip the annual card fee in your first year and save $69. Terms and conditions apply.
- Earn 3% back in Latitude Rewards on regular bill payments to selected utilities, telco providers and streaming services.
- Add one extra cardholder at no cost.
- This offer cannot combine with any others.
Pros & cons
Pros
- Pay no annual card fee in your first year if you make a purchase within 90 days, then just $69 each year after that.
- Enjoy a low ongoing purchase interest rate of 13.99% p.a., which beats many standard cards.
- Transfer balances at 6.99% interest p.a. for 12 months, with a 3% fee. If any balance remains after this period, it attracts interest at the cash advance rate of 29.99% p.a., which may change. Any leftover balance at the end of an interest-free period switches to the purchase rate of 13.99% p.a., also subject to change.
- Start spending straight away with Apple Pay, even before your physical card shows up.
- Pick up Latitude Rewards when you shop through the merchant offers portal.
- Keep track of your card easily with the Latitude App.
Cons
- Cash advances attract a high interest rate of 29.99% p.a., common for this type of use.
- Overseas transactions come with a 3% foreign exchange fee.
- Late payments cost $45.
