Utilize the input text as a context reference, choose the right relationship between MasterCard and credit card from the options. Options: product/material produced, manufacturer, distributed by, industry, position held, original broadcaster, owned by, founded by, distribution format, headquarters location, stock exchange, currency, parent organization, chief executive officer, director/manager, owner of, operator, member of, employer, chairperson, platform, subsidiary, legal form, publisher, developer, brand, business division, location of formation, creator.

Effective from 1 August 2015, cardholders of SAA Voyager Gold and platinum MasterCard credit cards within Ghana will benefit from annual credit card fee which USD28 and Voyager earn rate which 1 SAA Voyager mile for USD 1.50 spend respectively.

Answer: product_or_material_produced