Interchange structure and rates changes | Merchant support - NAB
April 2026 – What’s changing?
MasterCard are making changes to their Interchange rates. The changes are effective from 16 April 2026 and covers selected credit card types.
New Rates: Effective 16 April 2026
MasterCard
Intracountry Credit Interchange Rates
| Program Type | Current Rate Ex. GST | Current Rate Inc. GST | Updated Rate Ex. GST | Updated Rate Inc. GST | Difference Ex GST | Difference Inc. GST |
|---|---|---|---|---|---|---|
| Tokenised Contactless - Commercial | Current Rate Ex. GST 0.690% | Current Rate Inc. GST 0.759% | Updated Rate Ex. GST 0.580% | Updated Rate Inc. GST 0.638% | Difference Ex GST - 0.110% | Difference Inc. GST - 0.121% |
| Tokenised Contactless - Consumer Premium High Spend | Current Rate Ex. GST 0.680% | Current Rate Inc. GST 0.748% | Updated Rate Ex. GST 0.600% | Updated Rate Inc. GST 0.660% | Difference Ex GST -0.080% | Difference Inc. GST -0.088% |
| Other Card Present - Commercial | Current Rate Ex. GST 0.590% | Current Rate Inc. GST 0.649% | Updated Rate Ex. GST 0.580% | Updated Rate Inc. GST 0.638% | Difference Ex GST -0.010% | Difference Inc. GST -0.011% |
What does this mean for you?
Interchange Rate structure changes impact only Interchange Plus pricing merchants. Your cost of accepting payments via these card types may also change.
What do you need to do?
You don’t need to make any changes. The interchange fee will automatically be applied to respective MasterCard transactions after the implementation dates advised above. Your April 2026 statements will reflect this change.
How this affects your cost of acceptance?
Depending on the card mix your business accepts, you could see an impact to your cost of acceptance.
The new interchange rates will be applied to your merchant statements and will show your cost of acceptance based on the new rates.
Where can you find out more about interchange fees?
Interchange fees information is published by MasterCard online and information is due to be updated from the day the changes come into effect.
These rates can be found at:
Want to know more?
Visit our Interchange categories definitions page for more information.
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