Mastercard is a card processor network; all the fees and conditions are set by your Mastercard credit card issuer — a bank, credit union, or other financial institution. Usually, an annual fee may be from zero to $150, with a higher amount of money for premium cards. In addition, other fees such as foreign transaction fees (fx fees), balance transfer fees, dishonored payment fees, and over-limit fees may be charged. Also, you will pay interest according to the interest rates determined for your card by the card issuer — on average; an interest rate is about 19,99%.