Take control of your everyday spending and budgeting


  • Keep on top of what you spend. Manage and reload your card through your online ‘My Account’ or the Australia Post Everyday Mastercard App. 

  • Shop safely. With no link to your bank account and Mastercard’s Zero Liability2 protection against fraud and other unauthorised transactions. 

  • Cashless spending - Tap and Go. Enjoy the freedom of ultra-fast, contactless payments with Tap and Go at retail stores, restaurants and more. Wherever you see the universal contactless symbol, your Everyday Mastercard is good to go.

  • Pay using your smart device. You can now use Google PayTM and Samsung Pay with your Everyday Mastercard.3

  • Card-to-card transfers4. Need to transfer pocket money to your kids? Quickly transfer funds from one Australia Post Everyday Mastercard to another.

  • 24/7 global assistance5. Card lost or stolen? Call for a replacement anytime. You may also be eligible for emergency funds assistance. 

  • Shop overseas. Load up to 11 currencies, including USD, EUR, GBP, NZD, THB, CAD, HKD, JPY, SGD, AED and AUD and lock in your exchange rate before you start shopping^.

Managing your everyday spending just got easier

Our Australia Post Everyday Mastercard® app gives you more control over your finances. Check your balance, reload in-app and track your spending on the go.

Convenient bill payments

With Post Billpay, you can easily use your Mastercard to pay your eligible bills online or via our mobile app.

Mastercard Prepaid Management Services Australia Pty Ltd (ABN 47 145 452 044, AFSL 386837) arranges for the issue of the Australia Post Everyday Mastercard in conjunction with the issuer, Heritage and People's Choice Limited trading as Heritage Bank ABN 11 087 651 125, AFSL 244310. Australian Postal Corporation (ABN 28 864 970 579, AR No. 338646), the card distributor, acts as an Authorised Representative of Australia Post Services Pty Ltd (ABN 67 002 599 340, AFSL 457551). You should consider the Australia Post Everyday Mastercard Product Disclosure Statement (PDF 250kB), Product Disclosure Notice of Change (PDF 115kB) and Financial Services Guide (PDF 68kB) before deciding to acquire the product. Any advice does not take into account your personal needs, financial circumstances or objectives and you should consider if it is appropriate for you. Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

The Target Market Determination for this product can be found here (PDF 88kB)

If you click on links to Australia Post Everyday Mastercard you will be leaving the Australia Post site and be directed to a third-party site to place your order and complete your purchase. Please see the terms and conditions of the third-party site for further details.

1 The ATMs and POS terminals are not owned or operated by Australia Post, the Issuer or Mastercard Prepaid Management Services and Australia Post, the Issuer and Mastercard Prepaid Management Services are not responsible for ensuring that they will accept the Card.

2 Further information relating to Zero Liability card protection can be found at the Mastercard website.

3 Cardholders will be required to accept the relevant terms and conditions relating to Google Pay or Samsung Pay.

4 Fees may apply for card to card transactions. For full terms and conditions, please refer to the Product Disclosure Statement (PDF 250kB).

T&Cs apply. Customers must contact Customer Service to report lost or stolen cards. Emergency cash can be arranged up to the balance of your Australia Post Everyday Mastercard, subject to availability of funds at the approved agent location.

^ Lock in your exchange rates means the exchange rate is locked in for the initial load only. The exchange rates for subsequent reloads will be set at the prevailing exchange rate at the time of the transaction.