Mastercard credit cards

Commonwealth Bank, Westpac, Citi, Bendigo Bank and Qantas Money all issue credit cards on Mastercard's network.

You can use the table below to compare Mastercard credit cards from banks and card companies across Australia.
1 - 11 of 74
Product AUCCF Purchase rate p.a. Interest-free days Balance transfer rate p.a. Annual fee
Qantas Premier Platinum image
20.99%
Up to 44 days on purchases
0% for 12 months with 2% balance transfer fee, then 21.99%
$349
first year ($399 after)
Limited time offer: Earn up to 80,000 bonus Qantas Points and a $100 Qantas Hotels and Holidays voucher on eligible spend. Plus, save with a reduced first-year annual fee and 0% balance transfer offer. Ends 28 February 2025.
Qantas Premier Everyday image
20.99%
Up to 44 days on purchases
0% for 12 months with 2% balance transfer fee, then 21.99%
$99
Get 2 bonus Qantas Points per $1 spent on eligible purchases in the first 4 months (up to 8,000 points), plus complimentary insurance.
Bankwest Breeze Platinum Mastercard image
12.99%
Up to 55 days on purchases
0% for 24 months with 3% balance transfer fee, then 12.99%
$59
Get 0% p.a. interest on balance transfers for 24 months (with a 3% BT fee). Plus 0% foreign fees and complimentary overseas travel insurance.
Westpac Altitude Platinum Card image
20.99%
Up to 45 days on purchases
$99
first year ($175 after)
Up to 120,000 bonus Altitude Points (90,000 points in year 1 when you spend $3,000 in the first 90 days & 30,000 points after the first spend in year 2).
Westpac Lite Card image
9.9%
Up to 45 days on purchases
$108
Save with 0% foreign transaction fees, a low interest rate on purchases and cashback offers through Westpac Extras.
Westpac Low Rate Card - Cashback Offer image
13.74%
Up to 55 days on purchases
$59
A no-frills card offering up to $350 cashback: $50 each month you make at least $1,000 of eligible purchases for the first 7 months.
Bankwest Breeze Classic Mastercard image
12.99%
Up to 55 days on purchases
0% for 24 months with 3% balance transfer fee, then 12.99%
$49
Save with 0% p.a. on balance transfers for 24 months (with a 3% BT fee).
Qantas Premier Titanium image
20.99%
Up to 44 days on purchases
0% for 6 months, then 21.99%
$1,200
Get 150,000 bonus Qantas Points when you spend $5,000 in the first 3 months. Plus, 20% bonus Status Credits on eligible flights, with a $200k minimum income requirement.
Westpac Altitude Qantas Black image
20.99%
Up to 45 days on purchases
$370
Up to 120,000 bonus Qantas Points (90,000 points in year 1 when you spend $6,000 in the first 120 days & 30,000 points after the first spend in year 2).
13.74%
Up to 55 days on purchases
0% for 26 months with 2% balance transfer fee, then 21.99%
$59
Save with a 0% p.a. interest rate on balance transfers for 26 months (with a 2% BT fee). Plus, a low 13.74% p.a. purchase interest rate.
Westpac Altitude Rewards Black image
20.99%
Up to 45 days on purchases
$200
first year ($295 after)
Earn up to 150,000 bonus Altitude Rewards Points (100,000 points in year 1 when you spend $6,000 in the first 120 days and 50,000 in year 2).
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What's a Mastercard credit card?

Mastercard is one of the 2 largest electronic payment networks that handle card payments in Australia. The other network is Visa. And there's also American Express, which issues cards on its own network.

Mastercard itself doesn't issue credit cards. It provides the payment technology behind the credit card.

Mastercard credit cards do offer some specific features and benefits, like Zero Liability protection and security features. But when comparing credit cards it's more important to look at the rates, fees, perks and features of a specific credit card.

Who is Mastercard?

Mastercard grew out of a series of regional bankcard associations in the late 1960s. Mastercard expanded throughout the world in the 1970s and 1980s. Mastercard went public in 2006.

Which Australian banks and card providers use Mastercard?

  • Commbank
  • Westpac
  • Qantas Money
  • Citi
  • ME Bank
  • Coles
  • Latitude

What benefits can I get with Mastercard?

Every credit card has its own rates, features, fees and benefits regardless of the network it's on. But cards on the Mastercard network do offer some specific features and benefits.

  • Mastercard Priceless. Mastercard Priceless gives you access to offers for travel, dining, shopping and entertainment, with a global network of deals. To give you an idea of the offers available, when we looked in January 2025, you could get up to 16% cashback on accommodation through Booking.com.
  • World Mastercard benefits. If you have a World Mastercard, you'll get access to this booking service that offers exclusive deals and perks such as complimentary breakfast, room upgrades and late check-out at partnered hotels.
  • Global acceptance. Mastercard is accepted in over 200 countries and territories around the world, including almost every business that accepts credit card payments in Australia.
  • Contactless and mobile payments. Mastercard contactless (sometimes called PayPass) is a payment option that lets you tap to pay for purchases when you're at the shops. In Australia, Mastercard credit cards offer contactless payments as a standard feature, giving you a way to pay without entering a PIN if your purchase is under $100.
  • Digital wallet. If your credit card issuer supports Apple Pay, Google Pay, Samsung Pay or another mobile wallet, you can also use your Mastercard credit card for contactless payments from your mobile phone or other device.

Security features of a Mastercard credit card

As well as security features offered by your bank or card issuer, some of the options you can get with a Mastercard include:

  • Zero Liability. Mastercard’s Zero Liability policy protects cardholders from unauthorised and fraudulent charges made using their cards.
  • Mastercard SecureCode. SecureCode is designed to help protect your Mastercard credit card or debit card account from unauthorised transactions by providing an additional layer of security to online payments.
  • Emergency Services. You can contact Mastercard's 24/7 customer service team on 1800 120 113 within Australia.

Visa, Mastercard or American Express? What's the difference?

Visa and Mastercard boast very similar benefits and protections. These include:

  • Zero Liability protection
  • Security and fraud monitoring
  • Contactless payments
  • Travel, dining and entertainment perks (depending on the card)

There are differences between the two. With Mastercard contactless payments you need to enter a PIN on transactions above $100. For Visa it's a bit higher at $200.

American Express is a little bit different to Visa and Mastercard. It issues its own credit cards which have many features and benefits. But fewer businesses accept these cards (although most major businesses today do).

Richard Whitten's headshot
Our expert says: Mastercard or Visa?

"If you're looking for a new credit card, good news: the payment network doesn't matter much. You really want to work out what kind of card you want, and then compare options from different banks. Let them worry about the difference between Visa and Mastercard while you worry about fees, rates, rewards points and benefits. "

Money Editor

How to compare Mastercard credit cards

Whether a card uses the Mastercard network or another network is less importance than the details of the card itself.

Look at:

  • Annual fees. Most credit cards in Australia charge an annual fee, which ranges from $30 to $700 or more depending on the card. There are also some Mastercard credit card accounts that offer no annual fee, either for a promotional period or for life.
  • Interest rates. Mastercard credit card interest rates typically range from 9.9% to 23.99% for purchases. You can also get 0% interest rate offers for purchases or balance transfers, which helps you save on costs when you open a new account.
  • Bank or card company. A lot of Australian banks and financial institutions offer Mastercard credit cards. As they determine many of the features and fees that come with the card, it's important to consider which company issues the card when comparing your options.
  • Rewards. If your goal is to earn points with a credit card, you can compare frequent flyer and rewards cards to find a Mastercard with the features that you want.
  • Complimentary insurance and other perks. Some Mastercard credit cards offer complimentary insurance for travel and shopping, as well as perks like airport lounge access and concierge services.

Frequently asked questions

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Journalist

Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full bio

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Co-written by

Money Editor

Richard Whitten is Finder’s Money Editor, with over seven years of experience in home loans, property and personal finance. His insights appear in top media outlets like Yahoo Finance, Money Magazine, and the Herald Sun, and he frequently offers expert commentary on television and radio, helping Australians navigate mortgages and property ownership. Richard holds multiple industry certifications, including a Certificate IV in Mortgage Broking (RG 206) and Tier 1 and Tier 2 certifications (RG 146), as well as a Graduate Certificate in Communications from Deakin University. See full bio

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Richard has written 586 Finder guides across topics including:
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51 Responses

    Default Gravatar
    BertgMarch 30, 2018

    I need to cancel my MasterCard and get an email confirming this, I note ,there is NO repeat NO email address for this .

      AvatarFinder
      JeniMarch 30, 2018Finder

      Hi Bertg

      Thank you for getting in touch with finder.
      For any card cancellation request, you must either call or visit the bank issuer of your MasterCard. You may ask them to send you the email about this request as well.

      I hope this helps.

      Have a great day!

      Cheers,
      Jeni

    Default Gravatar
    EliasDecember 26, 2017

    Hi I am looking for Platinum MC with rewards and no interest on balance transfer and no international transaction fee with complimentary Travel Insurance can you suggest few for me thanks

    Default Gravatar
    ZhiAugust 19, 2017

    I have a Westpac Earth platinum Master card. Does it come with free travel insurance?

      Default Gravatar
      ArnoldAugust 19, 2017

      Hi Zhi,

      Thanks for your inquiry.

      Yes, your Westpac Earth Platinum Card comes with complimentary travel insurance, but I’m afraid that the policy does not include cruise cover. Thankfully, you can compare travel insurance and find the right policy that comes with cruise cover. You might like to compare travel insurance options which include cover for cruises.

      Hope this information helped.

      Cheers,
      Arnold

    Default Gravatar
    BarbaraApril 12, 2017

    How do I find out if my Woolworths Rewards Card is connected to my Qantas Frequent Flyer account?

    Default Gravatar
    BobNovember 23, 2016

    Can you tell me if any master card have rewards or frequent flyer points please? I have 2 visa cards which both have rewards and woulike a MC to replace my Amex card.
    Thank you for your time with this email
    Regards Bob

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