MasterCard Credit Cards
MasterCard Credit Cards are a worldwide accepted credit card like its counterpart Visa. There is essentially no difference between the two other than the card design and logos. Wherever one card is accepted the other one will be also so it is ultimately a matter of consumer preference.
MasterCard Credit Card Comparison
| Interest Rate (p.a.) | Cash Advance Rate (p.a.) | Balance Transfer Rate (p.a.) | Annual fee | Interest Free Days | |||
|---|---|---|---|---|---|---|---|
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The St. George Vertigo MasterCard is one of Australias most popular credit card. |
13.24% p.a. | 21.49% p.a. | 0.99% p.a. for 12 months | $55 | 55 |   |
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ANZs base credit card, the ANZ Low Rate MasterCard. |
0% p.a. for 3 (reverts back to 13.24% p.a.) | 21.49% p.a. | 0% p.a. for 3 months | $58 | 55 | |
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Low interest rate on purchases with interest free days. Also available in Gold and Platinum. |
10.99% p.a. | 21.99% p.a. | 4.99% p.a. for 12 months | $69 | 55 | |
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One of the cheapest balance transfer credit cards currently on offer. |
1% p.a. for 6 (reverts back to 17.99% p.a.) | 18.99% p.a. | 4.99% p.a. for 12 months | $0 | 55 | |
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Travel accident insurance, 12 month extended warranty on purchases with licensed Australia warranty and purchase protection |
1% p.a. for 6 (reverts back to 17.99% p.a.) | 18.99% p.a. | 4.99% p.a. for 12 months | $0 | 55 | |
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Similar features to the Zero Gold, with added 24/7 concierge service to help you arrange travel, bookings, shopping and medical services. |
1% p.a. for 6 (reverts back to 17.99% p.a.) | 18.99% p.a. | 4.99% p.a. for 12 months | $0 | 55 | |
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Features a free rewards program along with no point expiry. |
20.99% p.a. | 21.74% p.a. | $89 | 55 | | |
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Wetpac Low Rate kept everything low – from balance transfers, purchases rate and now a low annual fee. |
19.99% p.a. | 21.49% p.a. | 0.99% p.a. for 6 months | $75 | 45 | |
Australian MasterCard Comparison Listings
The following list is a compilation of MasterCard Credit Cards that are available to Australian consumers.
- St.George Vertigo MasterCard 2.99% interest rate for 6 months and than 13.24% p.a. with up to 55 interest free days and a $55 annual fee
- ANZ Low Rate MasterCard has a 0% p.a. for 3 months (reverts to 13.24% p.a.) interest rate, 55 interest free days and a $58 annual fee
- Aussie MasterCard has a 2.99% for 6 months and than 9.99% p.a. for 12 months (reverts to 13.29% p.a.) with up to 55 interest free days and a $89 annual fee
- BankSA Vertigo MasterCard also has a 2.99% for 6 months introductory offer than 13.24% p.a., up to 55 interest free days and a $55 annual fee
- Bankwest Lite MasterCard offers a 10.99% p.a. interest rate, 55 interest free days and a $69 annual fee
- Bankwest Zero MasterCard has a 1% p.a. for 6 months (reverts to 17.99% p.a.) interest rate, 55 interest free days and $0 annual fee
- Bankwest Zero Gold MasterCard also has a 1% p.a. for 6 months (reverts to 17.99% p.a.) interest rate, 55 interest free days and $0 annual fee
- Bankwest Zero Platinum MasterCard also offers a 1% p.a. for 6 months (reverts to 17.99% p.a.) interest rate, 55 interest free days, and $0 annual fee
- Citibank Emirates Card has a 20.99% p.a. interest rate, 55 interest free days, and a $229 annual fee
- Citibank Silver, Gold, and Platinum series cards all offer a 20.99% p.a. interest rate, 55 interest free days and $89, $149, and $199 annual fees respectively
- Citibank BP MasterCard has a 20.89% p.a. interest rate, 55 interest free days, and a $89 annual fee
- Commonwealth Bank Low Fee Card has a 20.24% p.a. interest rate, 55 interest free days, and a $24 ($0 for qualifying customers) annual fee
- Commonwealth Bank also offers an awards card with a 20.74% p.a. interest rate, 55 interest free days, an $89 ($59 for qualifying customers) annual fee and a frequent flyer program.
- Commonwealth Bank Gold and Platinum Cards are 20.74% p.a. interest rate, 55 interest free days on each and $144 ($114 for qualifying customers) and $280 ( $250 for qualifying customers) annual fees respectively.
- CUA Gold Rewards MasterCard has a 19.74% p.a. interest rate, 55 interest free days, and an $90 annual fee
- IMB Gold Rewards Card has an 19.74% p.a. interest rate, 55 interest free days, and a $99 annual fee
- NAB Gold and Standard Cards have a 19.74% p.a. interest rate, 44 interest free days, and a and $30 annual fee respectively.
- NAB Qantas Gold and Platinum Cards offer a 20.24% p.a. interest rate, 44 interest free days, and $145.50 and $290 annual fee respectively.
History of MasterCard in Australia
MasterCard has been an active payment processing company in Australia since the 1980's. MasterCard Credit Cards are the second largest credit card company in Australia. With access to food, entertainment, shopping, and any other Australian consumer needs there is no reason that MasterCard Credit Cards should not continue to have great success. After a long battle with Bankcard, Australia's premiere card at the time, MasterCard forced Bankcard to concede defeat by 2006.
History of MasterCard
MasterCard originated in California. It was formed by a conglomerate of smaller companies that banded together to compete against VISA. Once the spread from California mad its way to New York it was introduced to the Midland Marine Bank who offered a Master Charge account. The name stuck and in 1979 the company was branded MasterCard, which has been offered globally since the 1980's. It began as a co-operative of banks in California and has been listed as a for profit company on the New York Stock Exchange since 2006. No matter what needs a financial consumer may have, MasterCard has it covered. If a person is searching for a particular rewards program or interest rate, MasterCard has it. There are plenty of options and today's MasterCard has all of them.
