Mastercard Credit Cards
If you are looking for a Mastercard credit card, the table below shows a selection of credit cards on Canstar’s database that use the Mastercard card network.
Instantly compare 140+ credit cards based on the inputs below
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- Travel insurance
- Points never expire
- Airline lounge access
- Travel insurance
- Points never expire
- Airline lounge access
- Travel insurance
- Points never expire
- Airline lounge access
- Travel insurance
- Points never expire
- Airline lounge access
- Travel insurance
- Points never expire
- Airline lounge access
- Travel insurance
- Points never expire
- Airline lounge access
- Travel insurance
- Points never expire
- Airline lounge access
- Travel insurance
- Points never expire
- Airline lounge access
- Travel insurance
- Points never expire
- Airline lounge access
Showing 10 of 59 results
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The initial results in the table above are sorted by Reward points per $1 (High-Low) , then Annual fee (Low-High) . Additional filters may have been applied, see top of table for details.
SPONSORED
- Receive 60,000 bonus Qantas Points
- Spend $3K within 3 months of approval date
- New Card Members only. T&Cs apply.
About Mastercard credit cards
What is a Mastercard credit card?
A Mastercard credit card is a credit card that uses the electronic payments network operated by Mastercard to process transactions. These credit cards are issued by banks and financial institutions, not Mastercard, as the card network company is not a credit provider. So Mastercard credit cards and what they offer can vary significantly depending on the credit card issuer and the specific product in question.
Which Australian banks use Mastercard?
Mastercard credit cards are offered by a range of banks and financial institutions in Australia. At the time of writing, this includes well-known institutions such as Commonwealth Bank and Westpac.
You can view a range of Mastercard credit cards offered by Australian institutions in the comparison table at the top of this page.
What is the difference between Mastercard and Visa?
Mastercard and Visa are two different payment platforms. There are some small differences between the two payment platforms. For example, some providers have ‘exclusive’ arrangements with one payment platform over the other one. NAB, for instance, is currently in a 10-year agreement with Visa until 2025. There are also differences in the benefit programs they offer. However, credit card providers decide what benefits to offer and they can offer their own programs instead.
What features are included with a Mastercard credit card?
The features you can get with a Mastercard credit card will largely depend on the credit card provider. But some of the general features you can get include:
- Worldwide acceptance. Mastercard cards are accepted in over 210 countries and territories worldwide.
- Mastercard PayPass. Tap and pay wherever you see the contactless symbol. You generally don’t have to enter your PIN number to pay for purchases under $100 (or, in some cases, $200).
- Zero Liability. You won’t be held responsible for unauthorised transactions made with your Mastercard credit card, including for purchases made in store, over the phone, online and via a mobile device, and through ATM transactions.
- Mastercard Priceless. Access offers for travel, food, sports, shopping, entertainment and more.
- Mastercard SecureCode. Gives you an additional layer of security to help prevent unauthorised use of your card when shopping online with participating retailers.
To get a better picture of what the Mastercard credit card you are considering offers, it could be a good idea to read the Target Market Determination, Key Facts Sheet and other important documentation before signing up.
How can I compare Mastercard credit cards?
There are a variety of Mastercard credit cards available in Australia, including low rate, low fee, frequent flyer and rewards credit cards. What is on offer will depend on the credit card provider and specific card. You can use our comparison table at the top of this page to compare credit cards from a wide range of financial institutions in Australia.
When comparing Mastercard credit cards, some general factors to look at include:
- Annual fees. Some Mastercard credit cards charge no annual fee, either for the life of the card or for a promotional period. Other Mastercard credit cards do charge an annual fee, so it can be worth calculating whether this cost is worth the potential benefits you can get with the card.
- Other fees. You can be charged a range of other credit card fees, such as international transaction fees, cash advance fees and late fees.
- Interest rates. Some providers offer low rate Mastercard credit cards, including some with 0% interest rates for promotional periods or with 0% balance transfer offers.
- Interest-free days. Credit cards typically have interest-free periods of 44 or 55 days. This is the maximum amount of time that you won’t be charged interest on purchases, provided you pay off your balance in full by the due date.
- Rewards. Some Mastercard credit cards are linked to rewards or frequent flyer programs (such as Qantas and Velocity), allowing you to earn points on your eligible spending.
- Features. Some Mastercard credit cards offer features such as complimentary travel insurance, purchase protection insurance and extended warranty insurance.
Explore credit cards further:
Compare credit cards with sign-up offers
Pros and Cons of Credit Cards
Visa vs Mastercard: What’s the Difference?
Frequently Asked Questions about Mastercard
Canstar Credit Card Star Ratings and Awards
Looking for an award-winning credit card product or to switch providers or brands? Canstar rates products based on price and features in our Credit Card Star Ratings and Awards. Our expert Research team shares insights about which products offer 5-Star value and which providers offer outstanding value overall.
Canstar rates a range of financial products, covering banking, insurance and investment. We also reveal which providers have the most satisfied customers in our dedicated Customer Satisfaction Awards.
View all Star Ratings and Awards
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About the authors
Nina Rinella, Editor-in-Chief
Joshua Sale, Group Manager, Research & Ratings
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Important information
For those that love the detail
This advice is general and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you.