We’re no longer accepting CareCredit applications. Instead, check out our Gem Visa card that offers the convenience of an everyday card, combined with the flexibility of interest free deals.

Find out more about Gem Visa

Already using CareCredit?
Don’t forget these great features.

A card to manage your healthcare expenses

Using a payment plan option across various practices, including for dentistry, vision care, laser hair removal and non-surgical cosmetic treatments, means you can get the treatment now and pay for it over time.

Streamlined rates and fees

Our rates are easy to understand and you’ll only have to pay one, small and manageable monthly account keeping fee.

Interest free deals

Enjoy interest free finance at a number of healthcare providers Australia wide.

Got questions? Call Customer Solutions on 1300 622 273, Mon - Fri: 8:30am-7pm, Sat: 9am-5pm, Sun: Closed (AEST).

Interest rates and fees

Interest Rates

% p.a.
interest rate
% p.a.
cash purchase rate


Annual fee$0
Monthly account keeping fee$4.95
Replacement card fee$0
Paper statement fee$2.50
Late fee $20
Payment handling fee $2.50 (in person) Charged for each payment made in person $0.95 (online) Charged for each payment made online (this excludes payments made via the Online Service Centre)

Manage your account online

Keep track of your payments

Access your account from anywhere at anytime.

Stay up-to-date

Keep us in the loop with any changes to your personal information.

Never miss a payment

Opt-in to receive email reminders when your payment is due.

Got questions? Call the Low Rate MasterCard team on 1300 622 273, 1300 622 273, Mon - Fri: 8:30am-7pm, Sat: 9am-5pm, Sun: Closed (AEST).

Frequently Asked Questions

Your credit limit

Managing your account