If you’re a credit card user, you probably already know Visa and MasterCard. These two types of cards are providers that allow Banks to issue credit cards so that users can use them on VISA or MasterCard-based merchants. You can find this logo on the bottom right of your credit card.

Visa and MasterCard provide the same facilities and facilities, just by using one card you can use it anywhere and anytime.

When you want to create a credit card, you will usually be given the option to use a VISA or MasterCard card. Well, before you decide which one to use, it’s a good idea to read TimiKimi’s review below on the differences. What is it? Let’s check it out below.

Type of Credit Card and its Benefits

Type of Credit Card and its Benefits

There are several types of credit cards between VISA and MasterCard. Some are the same and some are different. Both will provide different types and benefits. Basically, there are 3 types of credit cards both on VISA and on MasterCard namely Classic, Gold, and platinum. Then what are the different types of credit cards between VISA and MasterCard?

VISA Signature

VISA Signature is a very exclusive type of credit card. Typically the users of this type of credit card are big business owners or other large professions. Not only that, to have this card you will go through the stages of assessing the property’s worth, such as deposits, investments, newspaper accounts, savings accounts, and other things related to your wealth.

The benefit of owning this credit card is that users will be given a very large limit. Starting minimum limit starts from 100 Million dollars to an infinite nominal limit. The facilities provided vary from Airport Lounge, travel assist, golf club membership, special travel, and more.

Infinite VISA

Infinite Visa is a type of credit card that is not offered to the public. Its users are restricted to those with assets above $ 1 Billion and must be in cash.

In addition, the owner specializes in premium customers, including accounts, deposits, or investments from card-issuing banks. These credit card limits range from 50 Million dollars to infinite nomads. The larger the asset or property you have, the greater the credit card limit will be. The facilities offered by this credit card are travel insurance, travel assist, and special priority pass, which is the convenience provided when dealing with immigration officers at airport hampers worldwide. And interestingly, these credit card owners usually have direct access to rent a private jet.

World MasterCard

World MasterCard

The World MasterCard is arguably equivalent to the Infinite Visa. If you don’t want to be charged yearly or monthly, you are required to transact at least USD 75 million annually. The annual or monthly fees may vary depending on your credit card issuing bank.

To qualify for this card, you must meet the same standards set by VISA Infinite. The benefits of this card are 2x more acceptable in many countries. In addition, you will find it easy to make reservations, such as at the Airport. World MasterCard also provides the Identity Theft Resolution Service, an identity protection service. When someone tries to steal your identity, you will receive a warning alarm from this feature.

World Elite MasterCard

World Elite MasterCard is the highest type of credit card from MasterCard. If you have this type of credit card, then you will find it easier than ever. For example, you will have easy access to reservations for luxury hotels, airports, fancy restaurants and more.

The World Elite Mastercard also comes with the Identity Theft Resolution Service feature. If you love traveling or vacation, then this type of credit card will work best for you.


The second difference is the major companies of both providers. VISA is a product of the Visa International Service Association (VISA .INC) based in Foster City, California. INC VISA has been around since 1955. While MasterCard is a product of MasterCard Worldwide. The corporation has been in existence since 1966 and is located in Purchase, New York. MasterCard is a rival of VISA, both of which are the largest credit card providers in the world.


VISA and MasterCard credit cards will apply to merchant partners with the provider. For example, an electronics store is partnering with VISA, so a credit card can be used as a VISA credit card, a MasterCard credit card can’t be used. In general, VISA credit cards are more popular in Asian countries. MasterCard is widely used in American and European countries.

Consumer Protection

Consumer Protection

VISA and MasterCard have their own way of protecting users. When you make an online transaction, your credit card becomes more risky. Therefore, both providers provide security services to protect the security of users’ personal data.

VISA offers the security of entering a static pin or One Time Password (OTP) into the Verified by VISA window. This way, your credit card will be more protected. While MasterCard provides protection to its users in the form of Secure Code. The Secure code is an additional pin code that users must enter when interacting online. This pin will be determined by the user himself.

Transaction Fee

When you make a transaction using a credit card, either VISA or MasterCard, you will be charged an additional fee. For example, for VISA if you make transactions overseas, the fee payable is 1% of your total transaction, while MasterCard has different fees, which range from 0.2% to 1%.

Dude, that’s the difference between VISA and MasterCard credit cards. If you have never used a credit card and intend to own it, you should first understand the difference between these two providers. You can customize it to your own needs.