Mastercard credit cards
Comparison of Mastercard credit card rates, fees, and features.
Comparing of 15 Mastercard credit cards
Balance transfer
24 months at 0% p.a.
Purchase rate
12.99% p.a. ongoing
Interest-free days
55 days
Annual fee
$49.00 p.a. ongoing
Highlights
- Enjoy 0% p.a. interest on balance transfers for 24 months, with a 3% balance transfer fee (then 12.99% p.a. thereafter).
- 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
Balance transfer
24 months at 0% p.a.
Purchase rate
12.99% p.a. ongoing
Interest-free days
55 days
Annual fee
$59.00 p.a. ongoing
Highlights
- Enjoy 0% p.a. interest on balance transfers for 24 months, with a 3% balance transfer fee (then 12.99% p.a. thereafter).
- 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
Balance transfer
6 months at 0% p.a.
Purchase rate
6 months at 0% p.a.
Interest-free days
55 days
Annual fee
$0.00 p.a. ongoing
Highlights
- Avoid annual fees for the duration of card ownership.
- 0% p.a. for 6 months on purchases and transferred balances (with a 3% balance transfer fee). Returns to 18.99% 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
Balance transfer
6 months at 0% p.a.
Purchase rate
6 months at 0% p.a.
Interest-free days
55 days
Annual fee
$0.00 p.a. ongoing
Highlights
- Annual fee waived.
- 0% p.a. for 6 months on purchases and transferred balances (with a 3% balance transfer fee). Returns to 18.99% p.a. thereafter.
- Offer valid for new customers within a specified timeframe. Additional fees and terms and conditions apply.
Pros
Cons
Balance transfer
N/A
Purchase rate
13.74% p.a. ongoing
Interest-free days
55 days
Annual fee
$59.00 p.a. ongoing
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.
- 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
20.99% p.a. ongoing
Interest-free days
45 days
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
Balance transfer
N/A
Purchase rate
20.99% p.a. ongoing
Interest-free days
45 days
Annual fee
$200.00 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 $200 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
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
Interest-free days
55 days
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
Balance transfer
12 months at 0% p.a.
Purchase rate
19.99% p.a. ongoing
Interest-free days
55 days
Annual fee
$349.00 for 1st year
Highlights
- Earn up to 100,000 bonus Qantas Points. Receive 70,000 bonus Qantas Points when you spend $3,000 or more on eligible purchases within 3 months from card approval. Plus an additional 30,000 bonus points if you have not earned Qantas Points with a credit card in the last 12 months. Terms and Conditions apply.
- Enjoy 0% on Balance Transfer for 12 months with no Balance Transfer fee. Reverts to Cash Advance rate, thereafter. No interest-free days apply on retail purchases while you have a balance transfer.
- Save with the reduced annual fee of $349 p.a. for the first year. An ongoing annual fee of $399 p.a. applies in the 2nd year.
Pros
Cons
Balance transfer
N/A
Purchase rate
0% p.a. ongoing
Interest-free days
N/A
Annual fee
$0.00 p.a. ongoing
Highlights
- No interest, no late fees.
- A choice of three credit limits; $1,000, $2000 or $3,000
- Simple monthly fee of $12, $18 or $22, based on your credit limit.
Pros
Cons
Balance transfer
N/A
Purchase rate
0% p.a. ongoing
Interest-free days
N/A
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
Balance transfer
N/A
Purchase rate
27.49% p.a. ongoing
Interest-free days
55 days
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
Balance transfer
N/A
Purchase rate
20.74% p.a. ongoing
Interest-free days
55 days
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
Balance transfer
N/A
Purchase rate
20.74% p.a. ongoing
Interest-free days
55 days
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
Balance transfer
15 months at 0% p.a.
Purchase rate
13.49% p.a. ongoing
Interest-free days
55 days
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.
