Mastercard credit cards

Comparison of Mastercard credit card rates, fees, and features.

Bill Ryan Natividad avatar
Written by   |  
David Boyd avatar
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Updated 7 Mar 2025   |   Rates updated regularly

Comparing of 16 Mastercard credit cards

Bankwest Breeze Mastercard

Not available for application via this website

Featured

Bankwest Breeze Mastercard

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

  • 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.
Bankwest Breeze Platinum Mastercard

Not available for application via this website

Bankwest Breeze Platinum Mastercard

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

  • 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.
Bankwest Zero Mastercard

Not available for application via this website

Bankwest Zero Mastercard

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

  • 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.
Bankwest Zero Platinum Mastercard

Not available for application via this website

Bankwest Zero Platinum Mastercard

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

  • 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.
Westpac Low Rate Credit Card (Cashback offer)

Not available for application via this website

Apply by 30 April 2025

Westpac Low Rate Credit Card (Cashback offer)

Highlights

  • Get up to $350 cashback when you apply online by 30 April 2025. 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

  • 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.
Westpac Altitude Platinum Credit Card (Altitude)

Not available for application via this website

Apply by 30 April 2025

Westpac Altitude Platinum Credit Card (Altitude)

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

  • 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.
Westpac Altitude Platinum Credit Card (Qantas)

Not available for application via this website

Apply by 30 April 2025

Westpac Altitude Platinum Credit Card (Qantas)

Highlights

  • Earn up to 80,000 bonus Qantas Points. Get 60,000 Qantas Points when you spend at least $4,000 on eligible purchases in the first 90 days from new card approval, and an additional 20,000 points after your first eligible purchase in the second year. 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

  • Earn up to 80,000 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.
Westpac Altitude Black Credit Card (Altitude)

Not available for application via this website

Apply by 30 April 2025

Westpac Altitude Black Credit Card (Altitude)

Highlights

  • Earn up to 150,000 bonus Altitude Points (equivalent to up to $700 in eGift cards). 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.
  • 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

  • Earn up to 150,000 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.
MONEYME Freestyle Virtual Card

Not available for application via this website

MONEYME Freestyle Virtual Card

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

  • Get MONEYME's lowest advertised rate EVER of 18.74% p.a.
  • Annual fee of $0 to $149 p.a. based on credit limit plus a monthly fee of $5 for balances over $20.

Pros

  • Available to use immediately after approval.
  • Money can be transferred to your bank account.
  • Get cashback at participating stores with Cashrewards.

Cons

  • The maximum credit limit is comparatively low.
  • Combination of annual and monthly fees can be quite expensive for the highest credit limit.
  • There is a 1.5% withdrawal fee.
Qantas Premier Platinum Credit Card

Not available for application via this website

Qantas Premier Platinum Credit Card

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

  • Earn up to 90,000 bonus Qantas Points when you meet the criteria.
  • Earn 1.5 points per $1 on international transactions and 1 point on domestic spending.
  • An additional 1 point per whole $1 on selected Qantas products and services.
  • Comes with complimentary travel insurance (cover for Covid-19 included).
  • Get 2 complimentary lounge access every year.
  • Save up to 20% off each year on select Qantas and QantasLink flights within Australia when you book through Qantas Premier Concierge.
  • Compatible with Apple Pay and Google Pay.
  • Safeguard your identity with Mastercard ID Theft Protection™.

Cons

  • The annual fee increases to $399 p.a. after the initial year.
  • Additional card fee costs $50 p.a.
  • There is a 2% balance transfer fee.
CommBank Neo Interest-Free Credit Card

Not available for application via this website

CommBank Neo Interest-Free Credit Card

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

  • No interest, no late fees.
  • No foreign exchange or additional cardholder fees.
  • Cashback benefits for eligible cardholders.
  • Get exclusive access to travel bookings through the CommBank App.
  • Supports, Apple Pay, Beem, Google and Samsung Pay.

Cons

  • As expected for a Low rate card, there are no Awards points for this card.
  • Low credit limit.
  • No balance transfers.
  • Cash advances are blocked.
Westpac Flex Card

Not available for application via this website

Westpac Flex Card

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

  • A straightforward and budget-friendly card option.
  • Quick application process, with immediate use upon approval.
  • There’s no monthly fee if you have no outstanding balance. If you do, a minimum monthly repayment of $40 applies.
  • You can repay monthly or twice a month and make extra payments anytime.
  • Plus no late payment fees.
  • Includes fraud protection for added security.

Cons

  • Low credit limit of $1,000.
  • No balance transfers or cash advances.
  • You cannot add an additional cardholder.
  • Does not offer a rewards program.
Latitude 28° Global Platinum Mastercard®

Not available for application via this website

Latitude 28° Global Platinum Mastercard®

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

  • Save up to 10% on your next holiday when booking with Expedia, Booking.com, 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.
  • Get an additional cardholder for FREE.
  • It supports Apple Pay, Google Pay, Samsung Pay, and Garmin Pay

Cons

  • After the first year, an $8 monthly fee adds up to $96 annually—a reasonable trade-off if the card’s perks align with your spending.
  • 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.
Coles Rewards Mastercard

Not available for application via this website

Apply by 31 March 2025

Coles Rewards Mastercard

Highlights

  • Get 10% off one Coles shop (up to $50) and join Coles Plus Saver for free when you apply by 31 March 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

  • Offers shopping discounts of up to $50.
  • Includes Purchase Protection and Extended Warranty insurance.
  • Add up to 4 additional cardholders at no extra cost.
  • Instalment plans are available for large purchases.
  • Up to 44 interest-free days on purchases.
  • Includes Coles Shield for fraud protection.
  • Supports Apple Pay, Samsung Pay, and Google Pay.
  • Credit limit ranges from $1,000 - $100,000.

Cons

  • The ongoing purchase rate and cash advance rate are both 20.74% p.a., which is relatively high.
  • The annual fee of $99 p.a.
  • No international travel insurance.
Coles No Annual Fee Mastercard

Not available for application via this website

Apply by 14 May 2025

Coles No Annual Fee Mastercard

Highlights

  • Earn 10,000 Flybuys bonus points when you spend $3,000 on eligible purchases within 3 months from card approval. Terms and Conditions apply.
  • No annual fee ever.
  • Earn 1 Flybuys point per $2 spent on eligible purchases.

Pros

  • Earn 10,000 Flybuy points when you meet the criteria.
  • Earn 0.5 points per $1 spent on domestic and international spending.
  • Get access to complimentary insurance.
  • Add up to 4 additional cardholders at no extra cost.
  • Instalment plans are available for large purchases.
  • Up to 44 interest-free days on purchases.
  • Includes Coles Shield for fraud protection.
  • Supports Apple Pay, Samsung Pay, and Google Pay.
  • Credit limit ranges from $1,000 - $100,000.

Cons

  • The ongoing interest rate of 20.74% p.a. on purchases is relatively high.
  • Transactions made in a foreign currency incur a 3% fee.

    As seen on

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