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Difference Between Maestro Card And Mastercard

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When it comes to payment cards, there are a few different types that you might be aware of. There is the Mastercard and the Maestro card. But what is the difference between these two?

The main difference between a Maestro Card and Mastercard is that the former is a debit card issued by Mastercard itself, while a Mastercard can be either a debit or a credit card.

Let's dive deeper & further explore the key differences between these two types of payment cards.

What is a Maestro Card?

maestro card

A Maestro card is a debit card that can make payments and withdrawals. This type of card is linked to your bank account, which means that the funds are immediately taken from there when you make a purchase or transaction.

One of the benefits of using a Maestro card is that it's widely accepted online and offline. You'll also find that this type of card usually doesn't come with an annual fee.

Maestro Card is one of the offered products by Mastercard. When using a Maestro card, you will be able to enjoy all the perks and advantages that are associated with Mastercard.

This Mastercard product can be used anywhere Mastercard is accepted, which means you'll have plenty of places to use your card. In addition, the Maestro card comes with several features that can benefit cardholders.

Additionally, the Maestro card comes with Mastercard ID Theft Protection, which provides 24/7 monitoring and alerts if your personal information is compromised. And if you're ever in a bind, the Mastercard Global Service can provide 24/7 assistance with lost or stolen cards.

What is a Mastercard?


Mastercard is an American multinational financial services corporation. Founded in 1966, Mastercard Inc. has become one of the world's largest card issuers. A Mastercard can be either a debit or credit card. It functions in much the same way as a Maestro Card.

Like the Maestro Card, a Mastercard is widely accepted and can be used to make online and offline payments. And, similar to the Maestro Card, there usually isn't an annual fee associated with this type of card in most cases.

Mastercard has its main rival Visa, another American multinational financial services corporation. Both these companies compete in the credit and debit card market globally.

Key Differences Between Maestro Cards And Mastercards

Now that we've looked at each type of card in more detail let's take a look at some of the key differences between Maestro cards and Mastercards:

The difference in the product segment

The main difference between these two payment cards is that a Maestro card is a debit card, while a Mastercard can be either a debit or credit card. If you're looking for a card that you can use to make payments and withdrawals, then the Maestro Card would do the job. However, if you're looking for a card that offers more flexibility in using it, then the Mastercard would be the better choice.

The difference in the limit of spending

Another key difference to be aware of is the spending limit. With a Maestro card, you can only spend up to the amount that you have in your bank account. However, with a Mastercard, there may be a credit limit attached to it if it's a credit card. This means that you could potentially spend more or less than what's available in your bank account.

The difference in interest rates

There is usually no interest charged on transactions made with a Maestro card when it comes to the interest rate. This is because the funds are taken directly from your bank account. On the other hand, if you're using a Mastercard, an interest rate may be charged on credit card transactions.

The difference in terms of usage

Another key difference between these two types of payment cards is how they can be used. A Maestro card can only be used to make payments and withdrawals. However, a Mastercard can be used for various purposes, such as making online purchases or making solely credit-based payments.

Comparison Chart: Maestro Card Vs Mastercard

ParametersMaestro CardMastercard
Type of cardDebitDebit or Credit
InterestLow or non-existentHigh
LimitAs per funds in the bankEither credit-based or fund based

Similarities between a Maestro Card & Mastercard

Let's now take a look at some of the similarities that these two types of payment cards share:

They're both widely accepted

One similarity between a Maestro card and Mastercard is that they're widely accepted. This means that you'll be able to use either card type in most places, online or offline.

They can both be used for making payments

Another similarity is that both types of cards can be used to make payments. Whether you're using a Maestro card or Mastercard, you'll be able to use it to pay for goods and services.

They usually don't have an annual fee

Finally, another similarity between these two types of cards is that they usually don't have an annual fee. This means that you won't have to worry about paying a fee for using either card type. However, some credit cards issued by Mastercards can have a nominal annual fee for their users.

Both have similar security features

Both Maestro cards and Mastercards come with a chip and PIN feature in terms of security features. This means that you'll need to enter your PIN to make a transaction. In addition, both types of cards also come with fraud protection features.

Maestro is Mastercard

In a way; you could say that Maestro is a type of Mastercard. This is because Maestro cards are issued by banks and processed on the Mastercard network. So, in a sense, they're the same.


Now that you know the key differences between Maestro cards and Mastercards, you can decide which type of card is right for you. Whichever card you choose, make sure to read the terms and conditions carefully so you know what you’re getting into. Have you ever used either of these types of cards before? Let us know in the comments!


Feel free to comment and discuss about the article in the comment space below if you have any information or remarks to add. If you think we made a mistake, you can also report it there.
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About the Author: Nicolas Seignette

Nicolas Seignette, who holds a scientific baccalaureate, began his studies in mathematics and computer science applied to human and social sciences (MIASHS). He then continued his university studies with a DEUST WMI (Webmaster and Internet professions) at the University of Limoges before finishing his course with a professional license specialized in the IT professions. On 10Differences, he is in charge of the research and the writing of the articles concerning technology, sciences and mathematics.
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