Credit Card Brands

Aside from the logo of your bank or financial institution, most credit cards will have another important logo on the front.

Although credit cards are issued by banks and other financial institutions, each of them rely on the technology and services provided by well known organisations such as Visa and MasterCard.

These companies are known as payment processors, and it is their job to process the payments made on their cards. They also work hard to develop new payment technologies such as payWave and Touch & Go.

Visa and MasterCard are two of the most well known groups, along with American Express and Diners Club. There are other groups around the world, however these are the most commonly used credit card brands in Australia.


Visa is one of the most recognised credit card brands in the world. They issue the traditional Visa credit card as well as the Visa Debit and Visa Prepaid.

The contactless credit card offered by Visa is known as payWave, and it allows shoppers to make purchases up to $100 without having to swipe their card or enter a PIN.

Visa credit cards are available from most banks and credit unions in Australia, and they are also one of the most widely accepted cards around the world.


MasterCard is another of the biggest credit cards brands in the world. As with Visa they offer credit, debit and prepaid cards.

MasterCard has also developed a contactless card, which is marketed under the Touch & Go name. Touch & Go cards enable contactless and PIN free transactions where the amount is less than $100.

Most Australian banks and credit unions offer MasterCards, and they are generally accepted everywhere that Visa cards are accepted.

American Express

Also known as Amex, the American Express card is popular with business users and high volume card users.

Unlike Visa and MasterCard whose cards are usually issued by other banks and financial institutions, American Express issue their own cards as well as offering them through other banks and institutions.

American Express also offers a charge card, which generally has no credit limit, but must be repaid in full each month.

American Express also has a range of frequent flyer credit cards with generous reward point rates offered.

Choosing a Card

Choosing a credit card for personal or business use will depend on your individual preferences. Things to consider when choosing a credit card include:
  • Interest rates and fees
  • Rewards programs
  • Credit limits, and
  • Accessability regarding merchant fees

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