Mastercard Credit Cards
Listed on this page is a database of Australian credit cards which come with MasterCard as a third party payment processor.
There is essentially little difference between MasterCard and Visa credit cards. Both are accepted worldwide and anywhere where one is accepted, the other should be as well.
MasterCard Credit Card Offer
The Commonwealth Bank Low Rate Credit Card offer features a low interest rate on purchases and balance transfers with a low annual fee.
- $78 p.a. ($48 for qualifying customers) annual fee
- 0% p.a. for 5 months (reverts to 12.99% p.a.) on purchases
- 5.99% p.a. for 5 months on balance transfers
- Cash Advance Rate of 21.24% p.a.
- 55 days interest free
Read the Commonwealth Bank Low Rate Credit Card terms and conditions.
MasterCard Credit Card Comparison
MasterCard credit cards are very popular with consumers. MasterCard has a long history as a payment processor and has been active in the Australian market since the 1980s. Read on to learn all about MasterCard credit cards.
MasterCard is the second-largest credit card processing company in Australia, closely following on the heels of Visa. It entered the Australian market in the 1980′s and has gained market share rapidly.
MasterCard credit cards offer consumers the ability to shop easily. These credit cards are accepted at a wide range of outlets ranging from retail stores to cinemas to restaurants and more. If it were not for a payment processor like MasterCard, both retailers and consumers would find it difficult to manage payments.
History of MasterCard credit cards
The MasterCard credit cards were first offered in California. These cards were issued to compete with the Bank of America card, now known as the VISA card.
Initially, a number of smaller banks realized that they could not compete with VISA, which was a large company at that time. They decided to join forces and offer a credit card together. They formed the Intercard Charge Association and developed a common credit card. After a while, the card spread from California to New York, where the Midland Marine Bank offered the Master Charge account – that name stuck and was re-branded in 1979 as the MasterCard. Since the 1980s, MasterCard was offered globally.
MasterCard began as a co-operative of the banks in California which joined together to issue the Intercard Charge Card. Since then, it has grown to include all banks and financial institutions that offer it. In 2006, MasterCard was converted to a for-profit company and issued on the New York Stock Exchange.
MasterCard in Australia
In the 1980s, MasterCard credit cards entered the Australian market. At that time, the credit card market in Australia was dominated by Bankcard, which was issued by the major local banks. MasterCard was offered through a few smaller banks and credit unions. As their payment processing network spread, more and more banks started offering MasterCard credit cards and consumers started using MasterCard more often. In the end, Bankcard was forced to concede defeat, and was officially withdrawn from the Australian market in 2006.
In addition to credit cards, MasterCard also offers debit cards. These cards allow customers to spend money directly from their bank accounts. The MasterCard debit card system is in direct competition with the EFTPOS system currently offered by most retailers, and is spreading rapidly.
MasterCard has also issued a new card called the MasterMoney account in the United States. This is an innovative card that combines features of both a debit card and a credit card. It is likely to be launched in Australia soon.
- ANZ Low Rate – Low Interest Credit Card
- Aussie MasterCard – Low Interest Credit Card
- Bank of South Australia Vertigo MasterCard – Low Interest Credit Card
- Bank of South Australia Starts Low Stays Low MasterCard – Low Interest Rate Card
- Bank of South Australia Gold MasterCard – Prestige Credit Card
- Bank of South Australia No Annual Fee MasterCard – No Annual Fee MasterCard
- Bank of Queensland MasterCard – Rewards Credit Card
- Bank of Queensland Gold MasterCard – Rewards Credit Card
- Bankwest Breeze MasterCard – Low Interest Credit Card
- Bankwest Breeze Gold MasterCard – Prestige Credit Card
- BankWest Zero MasterCard – No Annual Fee Credit Card
- BankWest More MasterCard – Rewards Credit Card
- BankWest More Gold MasterCard – Rewards Credit Card
- BankWest More Platinum MasterCard – Rewards Credit Card
- Bendigo Basic Black MasterCard – Low Interest Credit Card
- Bendigo Red MasterCard – Credit Card
- Citibank Silver MasterCard (+Visa) – Rewards Credit Card
- Citibank Gold MasterCard (+Visa) – Rewards Credit Card
- Citibank Platinum MasterCard (+Visa) – Rewards Credit Card
- Emirates Citibank Platinum MasterCard – Rewards (Travel) Credit Card
- Citibank BP MasterCard – Rewards (Petrol) Credit Card
- Commonwealth Bank Low Rate MasterCard – Low Interest Credit Card
- Commonwealth Bank Low Fee MasterCard – No Annual Fee Credit Card
- Commonwealth Bank Awards MasterCard – Rewards Credit Card
- Commonwealth Bank Gold MasterCard – Rewards Credit Card
- Commonwealth Bank Platinum MasterCard – Rewards Credit Card
- Commonwealth Bank Student MasterCard – Student Credit Card
- Credit Union Australia Silver MasterCard – Rewards Credit Card
- Credit Union Australia Gold MasterCard – Rewards Credit Card
- GE Money Eco MasterCard – Environmental Credit Card
- GE Money Low Rate MasterCard – Low Interest Credit Card
- GE Money MasterCard – Credit Card
- GE Money ‘GO’ MasterCard – Rewards Credit Card
- GE Money Coles MasterCard – Rewards (Petrol) Credit Card
- GE Money Coles Platinum MasterCard – Rewards (Petrol) Credit Card
- Members Equity MasterCard – Low Interest Credit Card
- NAB Standard MasterCard – Rewards Credit Card
- NAB Gold MasterCard – Rewards Credit Card
- St George Vertigo MasterCard – Low Interest Credit Card
- St George Gold MasterCard (+Visa) – Prestige Credit Card
- St George Platinum MasterCard (+Visa) – Prestige Credit Card
- St George ‘Starts Low Stays Low’ MasterCard (+Visa) – Low Interest Credit Card
- St George No Annual Fee MasterCard (+Visa) – No Annual Fee Credit Card
- Westpac Low Rate MasterCard (+Visa) – Low Interest Credit Card
- Westpac No Annual Fee MasterCard – No Annual Fee Credit Card
- Westpac Earth Standard MasterCard (+American Express) – Rewards Credit Card
- Westpac Earth Gold MasterCard (+American Express) – Rewards Credit Card
- Westpac Earth Platinum MasterCard (+American Express) – Rewards Credit Card
- Westpac ’55 Day’ MasterCard (+Visa) – Credit Card
- Westpac ’55 Day’ Gold MasterCard (+Visa) – Credit Card
- Westpac Altitude MasterCard (+American Express) – Rewards Credit Card
- Westpac Altitude Platinum MasterCard (+American Express) – Rewards Credit Card
- Westpac Altitude MasterCard (+American Express) – Rewards Credit Card
- Westpac ‘Ignite’ MasterCard – Credit Card
- Westpac Holden GM MasterCard – Rewards (Auto) Credit Card
- Wizard Clear Advantage MasterCard – Low Interest Credit Card
- Woolworths ‘Everyday Money’ MasterCard – Rewards Credit Card
Mastercard Appaloosa
Great tickets are available through MasterCard Applause. This is a ticketing service run by Preferred Seating that gets only the best seats for its members. You have access to great seats, advance tickets, and easy online booking through this program.
MasterCard Applause is one of the best ways to get tickets to concert events. MasterCard members have access to this ticketing service which allows them to book seats for concerts, theater, and even athletic events all over Australia. Not only can you purchase your tickets online through their secure buying system but you get great seats to your chosen events. The program is operated by Preferred Seating Pty. who have been in the business for more then 25 years.
Benefits of MasterCard Applause
- The best seats in the house. Members of this program are able to get premium A-Reserve seats to concerts, theater, and sport competitions. The people at Preferred Seating evaluate the venue and choose the best seats, not necessarily those that are front row which often have an obscurement, but the best seats in each venue.
- Easy booking. You can book with MasterCard Applause all day, every day online and they will be mailed to your home. You can choose to pick them up at the box office on the night of the event. You may also book tickets by phone.
- Advance ticket sales. Sometimes people wait in line for hours on the day tickets go on sale only to see a sold out sign in the window when they finally reach it. That will not happen to you because you can get advance tickets to premium events before the go on sale to the general public and without waiting in any lines.
- Events Wait list. If you hear a rumor that a particular show or artist is coming to town you can register on a wait list. Once the performance or event is confirmed and Preferred Seating has secured tickets they will email you and offer priority access to buy those tickets online.
- Discounted tickets. If you book at the last minute you can get up to 50% off the price of the tickets.
Because you are a MasterCard Applause member you get access to this fabulous ticketing service. There are costs involved with it, just as with any ticketing service.
- Ticket Handling Fee – A fee of $6.95 will be assessed for tickets that are mailed or picked up at the box office. This covers the cost to mail them to you or to get the to the venue where your event is being held.
- If you lose or damage your tickets they can be replaced for a $25 replacement fee. As soon as you realise that you require replacement tickets contact Preferred Seating so they can help make the arrangements for your replacement.
- There is a ticketing agency and minimum service fee of $12.50. For last minute tickets the price goes down to a $5 service fee.
- Some events also incur promoter’s fees.
- If you book by phone there will be a surcharge of $5.95. There is no surcharge for booking tickets online.
- All tickets are the same price, there are no discounts for children, concession, or pensioners.
- If you cancel your booking there will be no refunds, cancel, or transfer tickets to another date offered due to the Entertainment Code of Practice.
- If an actual event is cancelled you will be given a refund once Preferred Seating gets the tickets returned to them.
- Tickets can not be resold including at online auction sites. They may not be used for promotional events. If this contract is breached the tickets may be cancelled without refund.
You might be concerned about seating because when you book your tickets you will not have the exact location of the seats. This is because Preferred Seating gets tickets from the promoter of the concert. All of the tickets they receive are premium seats. Once they have sold the tickets they allocate them based on the combination of the tickets that were sold. In this way they are able to give everyone the best possible seats.
- For indoor events MasterCard Applause members have access to A Reserve seating, in theatre spaces this means the front half of the stalls or the front half of the dress circle/mezzanine sections.
- In larger entertainment centres tickets are on the floor or the first elevation of the venue.
- Outdoor venues like football stadiums quality can not be guaranteed as it is a matter of taste and the sound and viewing clarity varies from space to space.
- Wheelchair accessible tickets can be booked by phone reservation. They will do their best to make accommodations but, during pre-sale times when the exact location of tickets is not known it may be difficult.
The MasterCard Applause program is a great way to get premium seating without the hassle. It is one of the valuable rewards that MasterCard provides for their loyal customers. The next time you need tickets check their website instead of waiting in line and getting less desirable seats.
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0% p.a. for 6 months on balance transfers & no annual fee |
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0% p.a. for 8 months |
0% p.a. for 9 months on balance transfers & low rate |
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As an ISLANDER seeking for the best opportunities abroad, which of the master card type in it’s category best for me?
Hi Takaria. Thanks for your question. This is a very open question. Can you please provide some more information and we can help with your question. Jacob.
As an ISLANDER seeking for the best opportunities abroad, which of the master card type in it’s category best for me?
What type of master card is good for me?
Dear Sir, I require a credit card ASAP mainly to book airfares for me to travel home etc. At present I’m teaching English to Oil workers in Dammam, Saudi Arabia and it is very difficult to buy airfares here with cash, also with a credit you get protection(insurance)My yearly salary is 42,000$ tax free. I have not had or used a credit card for over 5 years I’ll wait for your answer.I do not use Saudi banks.
HI Paul. Thanks for your question. In order to get a credit card, you will have to prove that you’re earning over a certain amount each year – in an Australian bank account – and you will need to records to show it. I don’t believe you’re eligible for a card in this instance. I’m basing this on when I was in the employ of an Easter European country teaching English. I applied for a credit limit increase on the card I got before I left Australia, and they would not do it for me as I could not prove that my earnings covered the request for increased credit. Jacob.
How can I find out if I ever had a MasterCard by name or address or phone number or d.o.b? Or any credit card too?
Hi Kylie. It sounds like you need to order a copy of your credit file. This will allow you to see you previous applications for credit. Jacob.
I would like to redeem my points on a return flight, how do I do this?
HI Jacqueline. Thanks for the question.
The process for redeeming your points for a flight will depend on who has provided your card. For instance, if you have a MasterCard issued with the Commonwealth Bank, you would redeem your points through the CBA Rewards website, the rewards redemption process is similar with other institutions that offer MasterCard credit cards. If you can tell us which card you have, we can provide more information on how to redeem your points for flights. Jacob.