Interchange Rates

MasterCard® domestic purchase transactions
interchange fees for Australia



In accordance with paragraph 20 of the Reserve Bank of Australia's Standard - The Setting of Wholesale ("Interchange") Fees in the Designated Credit Card Schemes (the "Standard") made under the Payments Systems (Regulation) Act 1998, MasterCard Worldwide hereby advises that, effective immediately, the following interchange fees will apply to MasterCard purchase transactions in Australia where the card issuer and merchant acquirer are both Australian members

MasterCard Credit Card Transactions

Program Type Priority Rate incl. GST (AUD)
Charities 1 0.00%
Strategic Merchants 1 2 0.25%
Strategic Merchants 2 3 0.32%
Contactless & MasterPass (excluding commercial cards and <= AUD 60) 4 0.32%
Government Services, Utilities & Insurance 5 0.32%
Petroleum 6 0.32%
Education & Learning 7 0.32%
Recurring Payments 8 0.32%
Advanced Online Security – SecureCode Merchant UCAF 9 0.32%
Advanced Online Security – SecureCode Full UCAF 9 0.32%
Advanced Online Security – Digital Secure Remote Payment 9 0.32%
Advanced Online Security – MasterPass Advanced Checkout 9 0.32%
Consumer Elite 10 2.00%
Consumer Super Premium 11 1.22%
Commercial Large Ticket (=> AUD 10,000) 12 1.14%
Business Elite 13 1.98%
Commercial Business Executive 14 1.15%
Commercial Corporate Executive 15 1.14%
Commercial 16 0.94%
Consumer Premium 17 0.70%
MasterCard Digital Enablement Service 18 0.70%
Consumer Standard 19 0.32%


MasterCard Credit Card Interchange Fee Qualifying Criteria

Interchange Category Description
Charities Available to merchants set up with card acceptor business code (MCC) 8398 that are recognized by the Australian Taxation Office as charitable organizations.
Strategic Merchants 1 Available to merchants and or merchant groups (as advised by MasterCard from time to time), which meet agreed performance requirements.
Strategic Merchants 2 Available to merchants and or merchant groups (as advised by MasterCard from time to time), which meet agreed performance requirements.
Contactless & MasterPass Available for all MasterCard contactless and MasterPass transactions (except on Commercial Cards) equal to or less than AUD 60, except for transactions that would qualify for Charities and Strategic Merchant. MasterPass transactions must be correctly identified using the Wallet Identifier in the authorisation and clearing messages
Government, Utilities & Insurance Available to the following MCCs: 9211, 9222, 9223, 9311, 9399, 9402, 9405, 4812, 4813, 4814, 4816, 4821, 4899, 4900, 5960, 6300.
Petroleum Available to the following MCCs: 5541, 5542
Education and Learning Available to the following MCCs: 8211, 8220, 8241, 8244, 8249, 8299, 8351.
Recurring Payments Available for transactions containing the Recurring Payment indicator except for transactions that would qualify for Charities, Strategic Merchants, Contactless & MasterPass, Government, Utilities & Insurance, Petroleum, and Education & Learning.
Advanced Online Security Available for SecureCode (Merchant UCAF & Full UCAF), MasterPass Advanced Checkout and DSRP (Digital Secure Remote Payment) transactions except for transactions that would qualify for Charities, Strategic Merchants, Contactless & MasterPass, Government, Utilities & Insurance, Petroleum, Education & Learning, and Recurring Payments.
Consumer Elite Available for Consumer World Elite™ MasterCard cards transactions except for transactions that would qualify for Charities, Strategic Merchants, Contactless & MasterPass, Government, Utilities & Insurance, Petroleum, Education & Learning, Recurring Payments, and Advanced Online Security.
Consumer Super Premium Applicable for Consumer World MasterCard cards transactions except for transactions that would qualify for Charities, Strategic Merchants, Contactless & MasterPass, Government, Utilities & Insurance, Petroleum, Education & Learning, Recurring Payments, Advanced Online Security, and Consumer Elite.
Commercial Large Ticket Available for Corporate Executive cards transactions equal or greater than AUD 10,000 except for transactions that would qualify for Charities, Strategic Merchants, Government, Utilities & Insurance, Petroleum, Education & Learning, Recurring Payments, and Advanced Online Security, excluding T&E transactions (MCCs: 3000-3299, 4511, 3351-3500, 7512, 7513, 7519, 3501-3999, 7011, 4112, 5812, 5813, 5814, 4411).
Business Elite Applicable for Commercial Elite cards transactions except for transactions that would qualify for Charities, Strategic Merchants, Government, Utilities & Insurance, Petroleum, Education & Learning, Recurring Payments, Advanced Online Security, and Commercial Large Ticket.
Commercial Business Executive Applicable for Business Executive MasterCard cards transactions except for transactions that would qualify for Charities, Strategic Merchants, Government, Utilities and Insurance, Petroleum, Education & Learning, Recurring Payments, Advanced Online Security, Commercial Large Ticket, and Business Elite.
Commercial Corporate Executive Applicable for Corporate Executive MasterCard cards transactions except for transactions that would qualify for Charities, Strategic Merchants, Government, Utilities & Insurance, Petroleum, Education & Learning, Recurring Payments, Advanced Online Security, Commercial Large Ticket, Business Elite, and Commercial Business Executive.
Commercial Available to commercial card transactions less than AUD 10,000 except for transactions that would qualify for Charities, Strategic Merchants, Government, Utilities & Insurance, Petroleum, Education & Learning, Recurring Payments, Advanced Online Security, Commercial Large Ticket, Business Elite, Commercial Business Executive, and Commercial Corporate Executive.
Consumer Premium Available for all Customer Platinum cards transactions except for transactions that would qualify for Charities, Strategic Merchants, Contactless & MasterPass, Government, Utilities & Insurance, Petroleum, Education & Learning, Recurring Payments, Advanced Online Security, Consumer Elite, and Consumer Super Premium.
MasterCard Digital Enablement Service Available for all MasterCard Digital Enablement Service transactions except for transactions that would qualify for Charities, Strategic Merchants, Contactless & MasterPass, Government, Utilities & Insurance, Petroleum, Education & Learning, Recurring Payments, Advanced Online Security, Consumer Elite, Consumer Super Premium, Commercial Large Ticket, Business Elite, Commercial Business Executive, Commercial Corporate Executive, Commercial, and Consumer Premium.
Consumer Standard Available for all domestic credit transactions not qualifying for any other interchange category.


MasterCard Debit Card Transactions

Program Type Priority Rate incl. GST (AUD)
Charities 1 0.00
Micropayment (≤ AUD 15) 2 0.004
Strategic Merchants 1 3 0.031
Strategic Merchants 2 4 0.040
Contactless & MasterPass (≤ AUD 60) 5 0.065
Government, Utilities & Insurance 6 0.077
Petroleum 7 0.077
Recurring Payments 8 0.110
Advanced Online Security – SecureCode Merchant UCAF 9 0.088
Advanced Online Security – SecureCode Full UCAF 9 0.088
Advanced Online Security – Digital Secure Remote Payment 9 0.088
Advanced Online Security – MasterPass Advanced Checkout 9 0.088
Business Premium Debit 10 1.00%
Commercial Debit 11 1.00%
Consumer Premium Debit 12 1.00%
MasterCard Digital Enablement Service 13 0.70%
Consumer Electronic Debit 14 0.140
Consumer Standard Debit 15 0.30%


MasterCard Prepaid Card Transactions

Program Type Priority Rate incl. GST (AUD)
Charities 1 0.00
Strategic Merchants 1 2 0.031
Strategic Merchants 2 3 0.040
Commercial Prepaid 4 1.00%
Consumer Premium Prepaid 5 0.55%
Consumer Electronic Prepaid 6 0.132
Consumer Standard Prepaid 7 0.132


MasterCard Debit and Prepaid Purchase with Cash Back Rate

All Products
Group Rate incl. GST (AUD)
All - 0.175


MasterCard Debit Card Interchange Fee Qualifying Criteria

Interchange Category Description
Charities Available to merchants set up with card acceptor business code (MCC) 8398 that are recognized by the Australian Taxation Office as charitable organizations.
Micropayments Available to all transactions equal to or less than AUD 15 other than transactions qualifying for Charities.
Strategic Merchants 1 Available to merchants and or merchant groups (as advised by MasterCard from time to time), which meet agreed performance requirements.
Strategic Merchants 2 Available to merchants and or merchant groups (as advised by MasterCard from time to time), which meet agreed performance requirements.
Contactless & MasterPass Available for all MasterCard contactless and MasterPass transactions equal to or less than AUD 60, except for transactions that would qualify for Charities and Strategic Merchant. MasterPass transactions must be correctly identified using the Wallet Identifier in the authorisation and clearing messages.
Government, Utilities &
Insurance
Available to the following MCCs: 9211, 9222, 9223, 9311, 9399, 9402, 9405, 4812, 4813, 4814, 4816, 4821, 4899, 4900, 5960, 6300.
Petroleum Available to the following MCCs: 5541, 5542.
Recurring
Payments
Available for transactions containing the Recurring Payment indicator except for transactions that would qualify for Charities, Mircopayments, Strategic Merchants, Contactless & MasterPass, Government, Utilities & Insurance, and Petroleum.
Advanced Online
Security
Applicable for transactions with SecureCode (Merchant UCAF & Full UCAF), MasterPass Advanced Checkout and DSRP (Digital Secure Remote Payment) except for transactions that would qualify for Charities, Micropayments, Strategic Merchants, Contactless & MasterPass, Government, Utilities & Insurance, Petroleum, and Recurring Payments.
Business Premium
Debit
Available for all Business Premium Debit transactions except for transactions that would qualify for Charities, Micropayments, Strategic Merchants, Contactless & MasterPass, Government, Utilities & Insurance, Petroleum, Recurring Payments, and Advance Online Security.
Commercial – Debit Available for all Commercial Debit transactions except for transactions that would qualify for Charities, Mircopayments, Strategic Merchants, Contactless & MasterPass, Government, Utilities & Insurance, Petroleum, Recurring Payments, Advanced Online Security, and Business Premium Debit.
Consumer Premium
Debit
Available for all Consumer Premium Debit card transactions except for transactions that would qualify for Charities, Micropayments, Strategic Merchants, Contactless & MasterPass, Government, Utilities & Insurance, Petroleum, Recurring Payments, Advanced Online Security, Business Premium Debit, and Commercial Debit.
MasterCard Digital
Enablement Service
Available for all MasterCard Digital Enablement Service transactions except for transactions that would qualify for Charities, Micropayments, Strategic Merchants, Contactless & MasterPass, Government, Utilities & Insurance, Petroleum, Recurring Payments, Advanced Online Security, Business Premium Debit, Commercial Debit, and Consumer Premium Debit.
Consumer Electronic
Debit
Available for all Consumer Debit MasterCard transactions conducted at an electronic data capture terminal and authorised by the issuer except for transactions that would qualify for Charities, Micropayments, Strategic Merchants, Contactless & MasterPass, Government, Utilities & Insurance, Petroleum, Recurring Payments, Advanced Online Security, Business Premium Debit, Commercial Debit, Consumer Premium Debit, and MasterCard Digital Enablement Service.
Consumer Standard
Debit
Available for all domestic Debit transactions not qualifying for any other interchange category.
Purchase with Cash Back Available for all Debit MasterCard cards at Australian merchants where service is provided. Applicable to Cashback component of transaction only.


MasterCard Prepaid Card Interchange Fee Qualifying Criteria

Interchange Category Description
Charities Available to merchants set up with MCC 8398 that are recognized by the Australian Taxation Office as charitable organizations.
Strategic Merchants 1 Available to merchants and or merchant groups (as advised by MasterCard from time to time), which meet MasterCard performance requirements.
Strategic Merchants 2 Available to merchants and or merchant groups (as advised by MasterCard from time to time), which meet MasterCard performance requirements.
Commercial Prepaid Available for Commercial Prepaid card transactions except for transactions that would qualify for Charities and Strategic Merchants.
Consumer Premium
Prepaid
Available for Consumer Premium Prepaid card transactions except for transactions that would qualify for Charities, and Strategic Merchants.
Consumer Electronic
Prepaid
Available for Consumer Prepaid card transactions conducted at an electronic data capture terminal and authorized by the issuer except for transactions that would qualify for Charities, Strategic Merchants, and Consumer Premium Prepaid.
Consumer Standard
Prepaid
Available to all domestic Prepaid transactions not qualifying for any other interchange category.
Purchase with Cash Back Available for all Prepaid MasterCard cards at Australian merchants where service is provided. Applicable to Cashback component of transaction only.


MasterCard reserves the right to change these fees as it deems appropriate from time to time. Any such changes to these fees will be published on this site as required by the Standard.

Enquiries regarding interchange fees should be directed to MasterCard Worldwide at (02) 9466 3700.