Mastercard Credit Cards
Compare Mastercard credit card rates, fees, and features to find the best card for you.
By Andrew Boyd | Verified by David Boyd | Updated 21 Aug 2024
As seen on
Comparing Mastercard credit cards
On website
Balance transfer
12 months at 0% p.a.
Purchase rate
12 months at 0% p.a.
Annual fee
$49.00 p.a. ongoing
Highlights
- Benefit from 0% p.a. interest on balance transfers for 12 months (with a 2% BT fee, then 12.99% p.a.).
- 0% p.a. for 12 months on purchases (returning to 12.99% p.a.).
- Enjoy up to 55 interest-free days on purchases.
- Exclusive offer for new customers for a limited time. Additional charges, as well as terms and conditions, apply.
Pros
Cons
On website
Balance transfer
12 months at 0% p.a.
Purchase rate
12 months at 0% p.a.
Annual fee
$69.00 p.a. ongoing
Highlights
- Experience 0% p.a. interest on balance transfers for 12 months (with a 2% BT fee, then 12.99% p.a.).
- 0% p.a. for 12 months on purchases (reverting to 12.99% p.a.).
- Benefit from up to 55 interest-free days.
- Offer exclusively for new customers within a specified period. Additional charges, along with terms and conditions, apply.
Pros
Cons
On website
Balance transfer
28 months at 0% p.a.
Purchase rate
14.99% p.a. ongoing
Annual fee
$0.00 p.a. ongoing
Highlights
- Avoid annual fees for the duration of card ownership.
- 0% p.a. for 28 months on transferred balances (with a 3% balance transfer fee). Returns to 14.99% p.a. thereafter.
- Enjoy up to 55 days interest-free on purchases.
- Offer exclusive to new customers for a limited time. Additional fees and charges, as well as terms and conditions, apply.
Pros
Cons
On website
Balance transfer
28 months at 0% p.a.
Purchase rate
14.99% p.a. ongoing
Annual fee
$0.00 p.a. ongoing
Highlights
- Annual fee waived.
- 0% p.a. interest for 28 months on transferred balances (with a 3% balance transfer fee). Returns to 14.99% p.a. thereafter.
- No charges for foreign transactions.
- Offer valid for new customers within a specified timeframe. Additional fees and terms and conditions apply.
Pros
Cons
On website
Balance transfer
N/A
Purchase rate
13.74% p.a. ongoing
Annual fee
$59.00 p.a. ongoing
Highlights
- Get up to $350 cashback when you apply online by 30 November 2024. Receive a $50 cashback monthly for spending over $1,000 in the first 7 statement periods.
- Enjoy a low ongoing 13.74% p.a. interest rate on purchases.
- Annual fee of $59 p.a. applies.
Pros
Cons
Balance transfer
N/A
Purchase rate
19.99% p.a. ongoing
Annual fee
$99.00 for 1st year
Highlights
- Receive 100,000 Altitude bonus points when you spend $3,000 on eligible purchases within 90 days of card approval. Terms and conditions apply.
- $99 p.a. annual fee for the first year ($150 p.a. annual fee thereafter).
- Earn 3 Altitude points per $1 on Qantas and Jetstar flights bought in Australia, eligibility criteria apply.
Pros
Cons
On website
Balance transfer
N/A
Purchase rate
20.99% p.a. ongoing
Annual fee
$119.00 for 1st year
Highlights
- Receive up to 80,000 bonus Qantas Points. Acquire 60,000 Qantas Points in the first year upon spending $4k+ on eligible purchases within the initial 90 days from new card approval, and an additional 20,000 points after your first eligible purchase in the second year..
- Initial $119 p.a. annual fee followed by $175 p.a. thereafter (Plus a $75 Qantas Rewards opt-in annual fee).
- Earn 0.5 Qantas points per $1 spent on eligible purchases.
Pros
Cons
On website
Balance transfer
N/A
Purchase rate
20.99% p.a. ongoing
Annual fee
$150.00 for 1st year
Highlights
- Earn up to 150,000 bonus Altitude Points. Receive 100,000 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.
- Initial $150 p.a. annual fee ($295 p.a. thereafter), applicable to new cardholders only.
- Earn 6 Altitude points per $1 on Qantas, Jetstar, Singapore Airlines, and Emirates flights bought in Australia, subject to eligibility criteria.
Pros
Cons
On website
MONEYME Freestyle Virtual Card
Make sure you meet the following criteria before applying.
Application requirements:
Balance transfer
N/A
Purchase rate
From 18.24% p.a. ongoing
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
On website
Balance transfer
12 months at 0% p.a.
Purchase rate
19.99% p.a. ongoing
Annual fee
$349.00 for 1st year
Highlights
- Get up to 100,000 bonus Qantas Points. Get 70,000 bonus Qantas Points upon spending $3,000 or more on eligible purchases within 3 months from card approval. Plus, an extra 30,000 bonus points if you haven't earned Qantas Points with a credit card in the past 12 months. Terms and Conditions apply.
- Benefit from 0% on Balance Transfer for 12 months with a 2% Balance Transfer fee. Returns to Cash Advance rate thereafter. No interest-free days are applicable on retail purchases with an outstanding balance transfer.
- Benefit from the reduced annual fee of $349 p.a. for the initial year. An ongoing annual fee of $399 p.a. is applicable in the 2nd year.
Pros
Cons
On website
Balance transfer
N/A
Purchase rate
0% p.a. ongoing
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: $12, $18, or $22, corresponding to your chosen credit limit.
Pros
Cons
On website
Balance transfer
N/A
Purchase rate
0% p.a. ongoing
Annual fee
$0.00 p.a. ongoing
Highlights
- 0% interest and $0 late payment fee.
- $10 monthly fee, or no outstanding balance, $0 fee.
- Access to Westpac Extras and Rewards.
Pros
Cons
On website
Balance transfer
N/A
Purchase rate
27.49% p.a. ongoing
Annual fee
$0.00 p.a. ongoing
Highlights
- $0 yearly fee.
- No foreign transaction fees for purchases during travel or online shopping.
- You and four friends can access airport lounges, drinks, and Wi-Fi if your flight is delayed.
Pros
Cons
On website
Balance transfer
N/A
Purchase rate
20.74% p.a. ongoing
Annual fee
$99.00 p.a. ongoing
Highlights
- Receive 50,000 Flybuys bonus points upon spending $3,000 or more on eligible purchases within 90 days of approval. 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
On website
Balance transfer
N/A
Purchase rate
20.74% p.a. ongoing
Annual fee
$0.00 p.a. ongoing
Highlights
- Enjoy 10,000 Flybuys bonus points when you spend $3,000 on eligible purchases within 3 months from card approval.
- No annual fee, guaranteed.
- Earn 1 Flybuys point per $2 spent on qualifying purchases.
Pros
Cons
On website
Balance transfer
15 months at 0% p.a.
Purchase rate
13.49% p.a. ongoing
Annual fee
$58.00 p.a. ongoing
Highlights
- 0% per annum (p.a.) for balance transfers spanning 15 months. Afterward, it reverts to the cash advance rate of 20.74% p.a.
- Enjoy a modest annual fee of $58 p.a.
- Earn 1 Flybuys Point for every $2 spent at Coles Supermarkets.
Pros
Cons
On website
Balance transfer
24 months at 0% p.a.
Purchase rate
20.24% p.a. ongoing
Annual fee
$129.00 p.a. ongoing
Highlights
- Experience 0% for 24 months on Balance Transfers with a 0% balance transfer fee. Reverts to the cash advance rate of 21.74% p.a.
- Receive 20,000 rewards points when you spend $3,000 or more on eligible purchases within 3 months of approval.
- Earn 1 reward point for every $1 spent on Eligible Transactions.
Pros
Cons
On website
Balance transfer
N/A
Purchase rate
8.99% p.a. ongoing
Annual fee
$50.00 p.a. ongoing
Highlights
- Benefit from a low annual fee of just $50 p.a., waived in the first year.
- Enjoy a low purchase rate of 8.99% p.a.
- Get up to 45 days interest-free on purchases.
