Credit card surcharge

The following surcharge rates apply to credit cards accepted by NCAT.  Surcharge rates are based on cost-recovery only.

​​Card type Surcharge percentage
Visa0.4%
Mastercard0.4%
American Express1.4%
Diners Club1.5%

A surcharge is not payable for other methods of payment. These include cheque, money order, EFTPOS and cash payments.

How much extra will I need to pay?

Use the following method to calculate the total amount payable when using a credit card including the surcharge.

  • Visa and Mastercard - multiply the fee amount by 1.004
  • American Express - multiply the fee amount by 1.014
  • Diners Club - multiply the fee amount by 1.015

Why is there a surcharge?

Government agencies incur merchant interchange fees when credit card payments accepted from the public or customers. All NSW Government agencies are required to impose surcharges to recoup the merchant interchange fees. Surcharge rates are based on cost-recovery only.

View NSW Treasury Circular NSWTC 12/13 - Agency recouping of merchant interchange fees.