Foreign Card: Asia Pacific Intra-regional Interchange Rates
The table below sets forth the interchange fee applied on Visa transactions originating at merchants located in Australia on Visa cards issued by Visa issuers located outside of Australia and within the Asia Pacific region.
| Fee Program | Classic | Gold | Premium | Super Premium | High Net Worth | Commercial | Premium Commercial |
| Product Base Fee Program | 1.22% | 1.42% | 1.88% | 2.02% | 2.35% | 2.00% | 2.02% |
| Alternative Fee Program | 1.35% | 1.55% | 1.88% | 2.02% | 2.35% | 2.00% | 2.02% |
| Acquirer Downgrade Fee Program | 1.40% | 1.60% | 1.93% | 2.07% | 2.40% | 2.05% | 2.07% |
Key Definitions
- AP Intra-regional Interchange Rates – apply to Australia merchants’ Visa transactions on Visa cards issued in markets outside of Australia and within the Asia Pacific region. The other Asia Pacific Region markets are - American Samoa, Bangladesh, Bhutan, British Indian Ocean Territories, Brunei, Cambodia, China, Christmas Island, Cocos (Keeling) Island, Cook Islands, Fiji, French Polynesia, French Southern Territories, Guam, Heard & McDonald Islands, Hong Kong, India, Indonesia, Japan, Kiribati, Laos, Macao, Malaysia, Maldives, Marshall Islands, Micronesia, Mongolia, Myanmar, Nauru, Nepal, New Caledonia, New Zealand, Niue, Norfolk Island, North Korea, Northern Mariana Islands, Palau, Papua New Guinea, Philippines, Pitcairn, Samoa, Singapore, Solomon Islands, Sri Lanka, Taiwan, Thailand, Timor Leste, Tokelau, Tonga, Tuvalu, U.S. Minor Outlying Islands, Vanuatu, Vietnam, Wallis and Futuna Islands.
- Product Base Fee Program – applies to card present transactions which are cleared within 3 days of purchase date and authorized through VisaNet.
- Alternative Fee Program – applies to card not present transactions which are cleared within 3 days of purchase date for non-airlines transactions and within 7 days of purchase date for airlines transactions, and authorized through VisaNet.
- Acquirer Downgrade Fee Program – applies to all transactions unless they qualify for the Product Base Fee Program or the Alternative Fee Program.
- Classic – includes the following consumer products: Visa Classic and Visa Electron.
- Gold – includes the following consumer products: Visa Gold products.
- Premium – includes the following consumer premium products: Visa Platinum, Visa Rewards and Visa Installment Credential.
- Super Premium – includes the following consumer super premium products: Visa Signature and Visa Infinite.
- High Net Worth – includes the following consumer products: Visa Ultra High Net Worth.
- Commercial – includes the following commercial products: Visa Business, Visa Business Platinum, Visa Corporate, Visa Purchasing, Visa Commercial Choice Omni, Visa Commercial Choice Travel, and commercial products which are targeted at small businesses and large organizations. Visa Commercial Choice Omni enables issuers and buyers to support wholesale commercial agreements with acquirers and suppliers for non-travel MCCs. Visa Commercial Choice Travel is designed to support B2B travel payment needs. Tiered interchange rates, capped at 2.0% that are implemented at account range level for cross-border use only are made available for both Visa Commercial Choice Omni and Visa Commercial Choice Travel. Issuers should speak to their Visa representative for more details and consult the appropriate Visa Product Guide for full details.
- Premium Business – includes the following commercial products: Visa Business Rewards, Business Signature and Business Infinite which are targeted at high-value small businesses.