Mastercard Credit Cards
Compare Mastercard credit card rates, fees, and features to find the best card for you.
Comparing of 25 Mastercard credit cards
On Citi's website
Balance transfer
N/A
Purchase rate
22.49% p.a. ongoing
Interest-free days
Up to 44 days on purchases
Annual fee
$199.00 p.a. ongoing
Details
- Receive 100,000 bonus Citi reward Points after spending $5,000 on eligible purchases within the initial 3 months from approval. Terms and Conditions apply.
- Earn 1 Citi reward point per $1 spent on eligible transactions.
- Access complimentary insurance for eligible products purchased with your Citi Credit Card. See Terms and Conditions here.
- Get up to 15% off Limited Time Lux Exclusive hotel offers (up to $250 per booking) booked by 1 March 2026. See Terms and Conditions here.
This product is provided by National Australia Bank Limited, using certain trademarks under license from Citigroup Inc.
Pros & cons
Pros
- Get 100,000 bonus points when you meet the criteria. That's $400 when you pay with points!
- Use your Citi Reward Points for a credit back on almost any purchase.
- Save on your next getaway with 10% off selected hotels on Expedia or Wotif. Book by 31 January 2026 and complete your stay by 30 June 2026.
- Get $10 cashback every month until 31 October 2025 when you sign up for a Binge Standard (normally $19 per month) or Premium (normally $22 per month) monthly subscription.
- 5% discount on international flights with Trip.com with no blackout dates. Book by 31 December 2025 for travel by 30 September 2026.
- Provides Purchase Protection Insurance and Extended Warranty Insurance for added security on your eligible purchases.
- Get a maximum credit limit of up to $100,000, providing flexibility for larger expenses.
- Supports Apple Pay, Google Pay and Samsung Pay.
Cons
- No ongoing introductory balance transfer or purchase offer.
- Rewards earning is capped at $10,000 in spending per statement period, which works well for moderate spending habits.
- Each additional card costs $90 annually, with a limit of up to four cardholders.
On Citi's website
Balance transfer
15 months at 0% p.a.
Purchase rate
15 months at 0% p.a.
Interest-free days
Up to 44 days on purchases
Annual fee
$199.00 p.a. ongoing
Details
- 0% p.a. for 15 months on purchases and balance transfers. Balance transfer reverts to cash advance rate after the promotional period.
- Earn 1 Citi reward point per $1 spent on eligible transactions.
- Use your Citi Reward Points for a credit back on almost any purchase.
- Access complimentary insurance for eligible products purchased with your Citi Credit Card. See Terms and Conditions here.
- Get up to 15% off Limited Time Lux Exclusive hotel offers (up to $250 per booking) booked by 1 March 2026. See Terms and Conditions here.
This product is provided by National Australia Bank Limited, using certain trademarks under license from Citigroup Inc.
Pros & cons
Pros
- 0% p.a. on balance transfers and purchases for the first 15 months.
- Save on your next getaway with 10% off selected hotels on Expedia or Wotif. Book by 31 January 2026 and complete your stay by 30 June 2026.
- Get $10 cashback every month until 31 October 2025 when you sign up for a Binge Standard (normally $19 per month) or Premium (normally $22 per month) monthly subscription.
- 5% discount on international flights with Trip.com with no blackout dates. Book by 31 December 2025 for travel by 30 September 2026.
- Provides Purchase Protection Insurance and Extended Warranty Insurance for added security on your eligible purchases.
- Get a maximum credit limit of up to $100,000, providing flexibility for larger expenses.
- Supports Apple Pay, Google Pay, and Samsung Pay.
Cons
- There is a 2% BT fee.
- Rewards earning is capped at $10,000 in spending per statement period, which works well for moderate spending habits.
- Each additional card costs $90 annually, with a limit of up to four cardholders.
On Citi's website
Balance transfer
20 months at 0% p.a.
Purchase rate
14.99% p.a. ongoing
Interest-free days
Up to 44 days on purchases
Annual fee
$149.00 p.a. ongoing
Details
- 0% p.a. for 20 months on Balance Transfers with a 2% fee. Reverts to 22.24% p.a after the promotional period.
- Has a low ongoing purchase rate, making it more affordable for everyday spending.
- Access complimentary insurance for eligible products purchased with your Citi Credit Card. See Terms and Conditions here.
- Get up to 15% off Limited Time Lux Exclusive hotel offers (up to $250 per booking) booked by 1 March 2026. See Terms and Conditions here.
This product is provided by National Australia Bank Limited, using certain trademarks under license from Citigroup Inc.
Pros & cons
Pros
- Long interest-free balance transfer period (20 months).
- Pay your Monthly Mobile Plan bill with your Citi Clear Credit Card and you'll be covered for Accidental Damage and Theft.
- Add up to 4 cardholders for free, making it a great option for most families.
- My Cashback offers are personalised and require no opt-in or registration.
- Save on your next getaway with 10% off selected hotels on Expedia or Wotif. Book by 31 January 2026 and complete your stay by 30 June 2026.
- Get $10 cashback every month until 31 October 2025 when you sign up for a Binge Standard (normally $19 per month) or Premium (normally $22 per month) monthly subscription.
- 5% discount on international flights with Trip.com with no blackout dates. Book by 31 December 2025 for travel by 30 September 2026.
- Get a credit limit ranging from a minimum of $2,000 to a maximum of $100,000.
- Works with Apple Pay, Google Pay, and Samsung Pay.
Cons
- No rewards program, but this card is about simplicity.
- High revert rate on balance transfers (22.24% p.a.) after the promotional period.
- Purchases have no interest-free days while there's a balance transfer.
Not available for application via this 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 offer for new customers: Earn up to $340 in Latitude Rewards when you apply and get approved by 28 August 2025. Get a bonus $100 in Latitude Rewards each month when you spend at least $1,000 in the first 3 months, plus unlock up to $240 in rewards every year on eligible local and overseas purchases. T&Cs apply.
- Pay no annual fee in the first year*. Keep saving with ongoing annual fee waivers when you spend at least $12,000 each year.
- 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.
*T&C's, annual credit card fee (normally $96), and other charges apply. New customers only, must be approved by 28 August 2025. Minimum spend applies.
Pros & cons
Pros
- Earn up to $340 in Latitude Rewards. New customers only.
- Start using your card instantly with Apple Pay—no need to wait for the physical card to arrive.
- Get a 6.99% p.a interest rate on balance transfers for 12 months (3% transfer fee applies). If there is an outstanding balance after the plan period, interest will be charged at the cash advance rate, currently 29.99% (subject to change).
- The $96 annual card fee will be waived for your first year for new and approved customers. To have your annual card fee waived in your second year, you must spend at least $12,000 on eligible purchases in your first year.
- Save up to 10% on your next holiday when booking with Expedia, or Wotif.
- The Flexiroam feature includes 3GB of free data every calendar year, plus a 15% discount on extra data purchases.
- Comes with Purchase Protection and E-commerce insurance.
- Add an additional cardholder at no extra cost.
- It supports Apple Pay, Google Pay, Samsung Pay, and Garmin Pay
Cons
- A high purchase interest rate of 27.99% p.a.
- The cash advance rate is high at 29.99% p.a., so it's best to avoid withdrawing cash with this card.
Not available for application via this 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
- Limited-time offer: Get 0% interest on purchases for the first 9 months when you apply as a new customer by 2 September 2025. After that, a low ongoing rate of 13.99% applies
- Earn 3% in Latitude Rewards on recurring payments with participating utilities, telco, and streaming services.
- Add an additional cardholder at no extra cost.
- Excludes any other offers.
Pros & cons
Pros
- Earn Latitude Rewards when you shop in the merchant offers portal.
- The ongoing purchase interest rate is 13.99% p.a., lower than many standard credit cards.
- Get a 6.99% p.a interest rate on balance transfers for 12 months (3% transfer fee applies). If there is an outstanding balance after the plan period, interest will be charged at the cash advance rate, currently 29.99% (subject to change).
- Get access to exclusive offers and discounts from hundreds of popular merchants.
- Track and manage your card using the Latitude App.
- It supports Apple Pay, Google Pay, Samsung Pay, and Garmin Pay.
Cons
- Cash advances attract a high interest rate of 29.99% p.a.
- A 3% foreign exchange fee applies to overseas transactions.
- The late payment fee is $45.
Not available for application via this 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
- Limited time offer: Pay no annual card fee in the first year and save $69 when you apply and get approved by 2nd September and make an eligible purchase within 90 days. T & C's apply.
- Get 3% back in Latitude Rewards on recurring bill payments with participating utility, telco, and streaming services.
- Add an additional cardholder at no extra cost.
- Excludes any other offers.
Pros & cons
Pros
- $0 annual card fee in the first year, when you make a purchase in the first 90 days, followed by a low ongoing fee of $69 per year
- The ongoing purchase interest rate is 13.99% p.a., lower than many standard credit cards.
- Get a 6.99% p.a interest rate on balance transfers for 12 months (3% transfer fee applies). If there is an outstanding balance after the plan period, interest will be charged at the cash advance rate, currently 29.99% (subject to change).
- Start using your card instantly with Apple Pay—no need to wait for the physical card to arrive.
- Get Latitude Rewards when you shop in the merchant offers portal.
- Get access to exclusive offers and discounts from hundreds of popular merchants.
- Track and manage your card using the Latitude App.
- It supports Apple Pay, Google Pay, Samsung Pay, and Garmin Pay.
Cons
- The standard cash advance rate is 29.99% p.a., which is on the higher side and typical for this type of transaction.
- A 3% foreign exchange fee applies to overseas transactions.
- The late payment fee is $45.
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
Up to 55 days on purchases
Annual fee
$49.00 p.a. ongoing
Details
- 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
Pros
- 0% p.a. on balance transfers for 24 months.
- Low ongoing interest rate of 12.99% p.a. on purchases.
- Up to 55 interest-free days on purchases.
- As low as a $1,000 credit limit.
- Temporarily lock your card anytime using the Bankwest App.
- Easy Instalment Plans let you spread up to 5 purchases over four monthly payments at 0% p.a.
- Compatible with Apple Pay, Google Pay and Samsung Pay.
Cons
- No rewards program on this card.
- The 3% BT fee.
- There is a 2.95% foreign transaction fee.
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
Up to 55 days on purchases
Annual fee
$59.00 p.a. ongoing
Details
- 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
Pros
- 0% p.a. on balance transfers for 24 months.
- Low ongoing interest rate of 12.99% p.a. on purchases.
- Low annual fee of $59 p.a.
- Add up to 3 additional cardholders at no extra cost.
- Up to 55 interest-free days on purchases.
- As low as a $6,000 credit limit.
- Temporarily lock your card anytime using the Bankwest App.
- Easy Instalment Plans let you spread up to 5 purchases over four monthly payments at 0% p.a.
- Compatible with Apple Pay, Google Pay and Samsung Pay.
Cons
- No rewards program on this card.
- There is a 3% BT fee.
- Cash advance rate is 21.99% p.a.
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
Up to 55 days on purchases
Annual fee
$0.00 p.a. ongoing
Details
- 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
Pros
- No annual fee makes this an option for occasional or backup use.
- Interest-free purchases and balance transfers for 6 months.
- No foreign transaction fees for foreign currency or overseas purchases.
- Interest-free repayments for up to five eligible purchases with Easy Instalments.
- Credit limits start from a minimum of $6,000.
- Up to 55 days interest-free when you pay the statement balance in full.
- Balance transfers revert to the purchase rate instead of the higher cash advance rate.
- Use up to 95% of your credit limit for balance transfers.
Cons
- There is a 3% fee on balance transfers, which can be added to the balance if desired.
- You can't earn rewards points, but that's not unusual for a no annual fee card like this.
- There is a $500 minimum balance transfer amount, although most people transfer more.
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
Up to 55 days on purchases
Annual fee
$0.00 p.a. ongoing
Details
- 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
Pros
- The introductory balance transfer and purchase offers.
- 18.99% p.a. interest rate on purchases is relatively low.
- Up to 55 days interest-free on purchases.
- As low as a $1,000 credit limit.
- Temporarily lock your card anytime using the Bankwest App.
- Easy Instalment Plans let you spread up to 5 purchases over four monthly payments at 0% p.a.
- Compatible with Apple Pay, Google Pay, and Samsung Pay.
Cons
- Balance transfers incur a 3% one-off fee.
- You cannot earn credit card points on this card.
Not available for application via this website
Balance transfer
N/A
Purchase rate
13.74% p.a. ongoing
Interest-free days
Up to 55 days on purchases
Annual fee
$59.00 p.a. ongoing
Details
- 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
Pros
- Get up to $350 cashback when you meet the criteria.
- The $59 p.a. annual fee keeps costs low, with no fee in the first year if you're already with Westpac.
- Start with a credit limit as low as $500, helping you manage your spending.
- Supports Apple Pay, Google Pay, and Samsung Pay.
Cons
- No rewards program although there is a cashback offer.
- No complimentary travel insurance, which is typical for a low-rate card.
Not available for application via this website
Balance transfer
N/A
Purchase rate
20.99% p.a. ongoing
Interest-free days
Up to 45 days on purchases
Annual fee
$99.00 for 1st year
Details
- 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
Pros
- Earn up to 120,000 bonus Altitude Rewards Points when you meet the criteria.
- Earn 1 point for every $1 spent on other eligible purchases.
- The discounted annual fee for the first year.
- Add 1 additional cardholder at no extra cost.
- Split purchases over $100 into 4 payments over 6 weeks with PartPay, making it easier to manage larger expenses.
- Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
- Works with Apple Pay, Google Pay, and Samsung Pay.
Cons
- Earnings are capped at $100,000 annually, but bonus Altitude Rewards Points are excluded from this limit.
- The earning rate of 0.5 points is lower than that of others.
Not available for application via this website
Balance transfer
N/A
Purchase rate
20.99% p.a. ongoing
Interest-free days
Up to 45 days on purchases
Annual fee
$49.00 for 1st year
Details
- 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
Pros
- Earn 75,000 bonus Qantas Points when you meet the criteria.
- The discounted annual fee for the first year.
- Add 1 additional cardholder at no extra cost.
- Split purchases over $100 into 4 payments over 6 weeks with PartPay, making it easier to manage larger expenses.
- Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
- Works with Apple Pay, Google Pay, and Samsung Pay.
Cons
- Earnings are capped at $100,000 annually, but bonus Qantas Points are excluded from this limit.
- The earning rate of 0.5 points is lower than that of others.
- A $75 annual fee applies for the Qantas Rewards Program, worth it if you regularly earn points.
Not available for application via this website
Balance transfer
N/A
Purchase rate
20.99% p.a. ongoing
Interest-free days
Up to 45 days on purchases
Annual fee
$200.00 for 1st year
Details
- 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
Pros
- Earn up to 180,000 bonus Altitude Points when you meet the criteria.
- The discounted annual fee for the first year.
- Earn 2 points per $1 spent at Spotify Premium, David Jones, Myer, THE ICONIC, Airbnb, Uber and Uber Eats
- Earn 1.25 points per $1 spent on other eligible purchases.
- No limit on the points you can earn, which is great for high spenders.
- Add 1 additional cardholder at no extra cost.
- Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
- Works with Apple Pay, Google Pay, and Samsung Pay.
Cons
- The high annual fee of $295 p.a. after the initial year.
- There is no introductory balance transfer offer, so it’s better suited for everyday spending than consolidating debt.
- A 3% fee applies to foreign transactions made with your card.
Not available for application via this website
Balance transfer
24 months at 0% p.a.
Purchase rate
13.74% p.a. ongoing
Interest-free days
Up to 55 days on purchases
Annual fee
$59.00 p.a. ongoing
Details
- Get a 0% interest rate on balance transfers for 24 months with a 2% transfer fee. After that, the rate changes to 21.99% p.a. for cash advances.
- 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
Pros
- 0% for 24 months on balance transfers gives you plenty of time to pay off your balance without interest.
- The $59 p.a. annual fee keeps costs low, with no fee in the first year if you're already with Westpac.
- Start with a credit limit as low as $500, helping you manage your spending.
- Supports Apple Pay, Google Pay, and Samsung Pay.
Cons
- A 2% balance transfer fee applies.
- No complimentary travel insurance, which is typical for a low-rate card.
