Mastercard Credit Cards
Compare Mastercard credit card rates, fees, and features to find the best card for you.
Comparing of 20 Mastercard credit cards
On Bankwest's 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.
On Bankwest's 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.
On Bankwest's 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 $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
- Balance transfers incur a 3% one-off fee.
- You cannot earn credit card points on this card.
On Bankwest's 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.
On Westpac's 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 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 & 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.
Balance transfer
N/A
Purchase rate
19.99% p.a. ongoing
Interest-free days
Up to 45 days on purchases
Annual fee
$99.00 for 1st year
Details
- 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
Pros
- 100,000 bonus Altitude Points when you spend $3,000 in 90 days.
- Additional savings with the $99 first-year annual fee ($150 p.a. thereafter).
- Comes with complimentary travel insurance.
- Earn 1 Altitude point per $1 spent on eligible purchases.
Cons
- Only up to 45 days interest-free on purchases.
- Does not include lounge access.
On Westpac's website
Balance transfer
N/A
Purchase rate
20.99% p.a. ongoing
Interest-free days
Up to 45 days on purchases
Annual fee
$119.00 for 1st year
Details
- 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 & cons
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.
On Westpac's 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 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 & cons
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.
On Westpac's website
Balance transfer
26 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 26 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 26 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.
MONEYME Freestyle Virtual Card
Make sure you meet the following criteria before applying.
Application requirements:
- Aged between 18 - 65
- Wages of $3,000
- Must be a Permanent Australian Resident or Australian Citizen
- Must have a VEDA above 600
- No serious marks against credit file
- Has had a previous application declined in the last 365 days
- Not on Government or Centrelink benefits
Disclaimer: You must carefully consider your own circumstances before making any commitments and confirm all offers and terms with credit card providers before accepting them. Please refer to our T&Cs for more information.
Balance transfer
N/A
Purchase rate
From 18.24% p.a. ongoing
Interest-free days
Up to 55 days on purchases
Annual fee
From $0.00 p.a. ongoing
Details
- 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 18.24% 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 & cons
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.
Balance transfer
12 months at 0% p.a.
Purchase rate
20.99% p.a. ongoing
Interest-free days
Up to 55 days on purchases
Annual fee
$349.00 for 1st year
Details
- Earn up to 80,000 bonus Qantas Points. Get 50,000 bonus Qantas Points when you spend $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.
- Get 0% interest on balance transfers for 12 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 & cons
Pros
- Earn up to 80,000 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.
Balance transfer
N/A
Purchase rate
0% p.a. ongoing
Interest-free days
N/A
Annual fee
$0.00 p.a. ongoing
Details
- 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
Pros
- No interest, no late fees.
- No foreign exchange or additional cardholder fees.
- Cashback benefits for eligible cardholders.
Cons
- No Awards points for this card.
- Low credit limits.
- No balance transfers.
On Westpac's website
Balance transfer
N/A
Purchase rate
0% p.a. ongoing
Interest-free days
N/A
Annual fee
$0.00 p.a. ongoing
Details
- 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 & cons
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.
Balance transfer
N/A
Purchase rate
27.99% p.a. ongoing
Interest-free days
Up to 55 days on purchases
Annual fee
$96.00 p.a. ongoing
Details
- Earn a $200 bonus Latitude Rewards when you spend $2,000 or more on eligible transactions each statement period within the first 3 months of approval. T&Cs apply. Offer valid for new approved customers until 31 December 2024.
- 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 & cons
Pros
- An $8 monthly fee totals $96 annually, a fair cost considering the card's benefits.
- Earn up to $120 in Latitude Rewards by spending $1,000 or more on eligible transactions each month for 12 months—ideal for consistent spenders.
- 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
- 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.
Balance transfer
N/A
Purchase rate
20.74% p.a. ongoing
Interest-free days
Up to 55 days on purchases
Annual fee
$99.00 p.a. ongoing
Details
- Earn 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
Pros
- Get 50,000 Flybuys bonus points when you meet the criteria.
- 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 55 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.
