MacArthur Credit Union Credit Cards

MacArthur Credit Union

Consider credit card solutions from The Mac, Macarthur district’s community-based credit union.

This financial institution began operations in 1971 in the form of Clutha Employees Credit Union, in order to service around 2,000 employees of Clutha Mines. The credit union grew quickly, and by 1978 it started offering membership to everyone in Macarthur district.

They also changed their name to Macarthur Credit Union. They rebranded themselves as The Mac in 2013, and it remains the only community-based credit union in the Macarthur district. Today, it has more than $200 million in assets and serves its members through branches in Camden, Picton, Tahmoor, and Narellan. The Mac provides a range of financial services and products to its members, including credit cards. Learn more about their credit card offerings on the page below and see if their cards will be right for you.

Compare credit cards from The Mac

Rates last updated April 30th, 2017.

The Mac MyCard Platinum Rewards MasterCard

Balance transfer and bonus points offer have been extended until 31 July 2017.

February 17th, 2017

The Mac MyCard Low Rate MasterCard

Balance transfer and annual fee offer has been extended until 31 July 2016.

February 17th, 2017

View latest updates

Jonathan Choi Jonathan
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
The Mac MyCard Low Rate MasterCard
Enjoy a low annual fee of $49, a low interest rate on purchases and balance transfer of 0% p.a. for up to 12 months, plus up to 55 interest-free days on purchases.
12.99% p.a. 0% p.a. for 12 months $49 p.a. More info
The Mac MyCard Platinum Rewards MasterCard
Low interest rate offer on balance transfers of 0% p.a. for up to 14 months.
20.24% p.a. 0% p.a. for 14 months $99 p.a. annual fee for the first year ($159 p.a. thereafter) More info

Types of credit cards that The MacArthur Credit offers

The Mac gives you two credit cards options from which to choose, letting you take up a product that suits your credit card spending.

  • Low rate credit cards

    People who don’t pay entire outstanding balances each month can benefit by getting credit cards that charge low ongoing rates, and the MyCard Low Rate MasterCard that The Mac provides fits this category. These cards don't usually offer too much in terms of extras, but can help support your ongoing spending needs. The MyCard Low Rate MasterCard also offers protection for purchases you make using the card.

Rates last updated April 30th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
The Mac MyCard Low Rate MasterCard
Enjoy a low annual fee of $49, a low interest rate on purchases and balance transfer of 0% p.a. for up to 12 months, plus up to 55 interest-free days on purchases.
12.99% p.a. 0% p.a. for 12 months $49 p.a. Up to 55 days on purchases More info
Rates last updated April 30th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
NAB Low Rate Credit Card
A low rate card which offers 0% p.a. on balance transfers for the first 18 months combined with a low annual fee.
13.99% p.a. 0% p.a. for 18 months with 3% balance transfer fee $59 p.a. Up to 55 days on purchases Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 12 months on balance transfers and 0% p.a. for 6 months on purchases, plus a low annual fee.
0% p.a. for 6 months (reverts to 13.24% p.a.) 0% p.a. for 12 months $55 p.a. Up to 55 days on purchases Go to site More info
HSBC Low Rate Credit Card
This card comes with a balance transfer offer, a low interest rate and up to 55 days interest-free on purchases.
13.25% p.a. 0% p.a. for 15 months with 2% balance transfer fee $55 p.a. Up to 55 days on purchases Go to site More info
American Express Essential®  Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Up to 55 days on purchases Go to site More info
ANZ Low Rate Platinum
Enjoy platinum benefits with exclusive discounts, complimentary travel insurance and personal concierge. Also repay your credit card debt interest-free with 0% p.a. for 16 months on balance transfers.
11.49% p.a. 0% p.a. for 16 months with 2% balance transfer fee $99 p.a. Up to 55 days on purchases Go to site More info
NAB Low Rate Platinum Card
Offers a low introductory rate of 0% p.a. on balance transfers for 18 months plus enjoy premium benefits including international travel insurance.
13.99% p.a. 0% p.a. for 18 months with 3% balance transfer fee $100 p.a. Up to 55 days on purchases Go to site More info
Bendigo Bank Basic Black Credit Card
A basic credit card that features low interest rates, low annual fee and up to 44 interest-free days on purchases.
12.24% p.a. $45 p.a. Up to 44 days on purchases Go to site More info
Westpac Low Rate Card - Online Only Balance Transfer Offer
A low interest rate on everyday purchases and a long term balance transfer rate offer of 0% for 24 months.
13.49% p.a. 0% p.a. for 24 months with 2% balance transfer fee $59 p.a. Up to 55 days on purchases Go to site More info
ANZ Low Rate
Take advantage of 0% p.a. for 16 months on balance transfers and a low ongoing interest rate on purchases.
12.49% p.a. 0% p.a. for 16 months with 2% balance transfer fee $58 p.a. Up to 55 days on purchases Go to site More info
Virgin Money Low Rate Credit Card
Enjoy a low ongoing purchase rate with an introductory rate on balance transfers and a competitive annual fee.
11.99% p.a. 0% p.a. for 12 months $99 p.a. Up to 44 days on purchases Go to site More info
St.George Vertigo Platinum - Online Only Balance Transfer Offer
Enjoy a long-term balance transfer offer of 3% p.a. for 36 months when you apply online, plus complimentary insurance covers and a personal concierge service.
12.74% p.a. 3% p.a. for 36 months $99 p.a. Up to 55 days on purchases Go to site More info
Westpac Low Rate Card
A simple low interest rate card featuring a low ongoing rate on purchases, up to 55 days interest-free on purchases and a low annual fee.
0% p.a. for 6 months (reverts to 13.49% p.a.) 0% p.a. for 12 months $59 p.a. Up to 55 days on purchases Go to site More info
Bank of Melbourne Vertigo Platinum
A platinum card with a low balance transfer offer of 0% p.a. interest for 12 months and 0% p.a. for 6 months on purchases combined with complimentary insurance covers.
0% p.a. for 6 months (reverts to 12.74% p.a.) 0% p.a. for 12 months $99 p.a. Up to 55 days on purchases Go to site More info
Learn more about low rate credit cards
  • Platinum credit cards

    If you're looking to get a bit more out of your credit card, a platinum card might be one to consider. Compare these cards by the access they give you to the premium features you want, but make sure you don't get charged too much in terms of fees and higher rates. MacArthur CU offers you a platinum card with standard access to lucrative extras you'd expect with a platinum card.

Rates last updated April 30th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
The Mac MyCard Platinum Rewards MasterCard
Low interest rate offer on balance transfers of 0% p.a. for up to 14 months.
20.24% p.a. 0% p.a. for 14 months $99 p.a. annual fee for the first year ($159 p.a. thereafter) More info
Rates last updated April 30th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
NAB Rewards Platinum Card
Enjoy 80,000 bonus points when you spend $2,500 on everyday purchases within 90 days from card approval. Benefit from $0 annual fee for the first year and a range of platinum features.
19.99% p.a. 4.99% p.a. for 6 months $0 p.a. annual fee for the first year ($195 p.a. thereafter) Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn 2 Velocity Points on top of the standard earn rate per $1 spent within the first three months. Plus, save with a long-term balance transfer offer and a reduced annual fee in the first year.
20.74% p.a. 0% p.a. for 18 months with 1.5% balance transfer fee $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
Citi Rewards Platinum Credit Card
Enjoy a long-term balance transfer offer and earn 1 Citi Reward Point per $1 spent on all eligible domestic and international spend.
20.99% p.a. 0% p.a. for 24 months with 1.5% balance transfer fee $49 p.a. annual fee for the first year ($149 p.a. thereafter) Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Also, enjoy an annual fee waiver in the first year.
0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
NAB Premium Card
Platinum credit card benefits including higher credit limits and travel insurance, plus a low interest rate on balance transfers.
19.74% p.a. 0% p.a. for 24 months with 3% balance transfer fee $90 p.a. Go to site More info
Qantas American Express Ultimate Card
Enjoy 75,000 bonus Qantas Points when you meet the spend criteria plus 75 Bonus Status Credits when you book and fly back with Qantas. Earn up to 2.5 Qantas Points per $1 spent on eligible purchases.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $450 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
19.99% p.a. $199 p.a. Go to site More info
American Express Explorer Credit Card
Receive 100,000 Membership Rewards Bonus Points on eligible spend within the first 3 months of card membership. Also enjoy a $400 travel voucher and two complimentary airline passes per year.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $395 p.a. Go to site More info
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 12 months and an introductory purchase offer of 0% p.a. for 6 months.
0% p.a. for 6 months (reverts to 12.74% p.a.) 0% p.a. for 12 months $99 p.a. Go to site More info
NAB Rewards Business Platinum Card
Enjoy 80,000 bonus points when you meet the spend criteria, earn 1 rewards point per $1 spent and enjoy a $0 annual card fee for the first year.
18.50% p.a. $0 p.a. annual fee for the first year ($175 p.a. thereafter) Go to site More info
ANZ Frequent Flyer Platinum
Get 50,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases within the first 3 months. Enjoy a waived annual fee for the first year and earn up to 0.750 Qantas Points for spending.
19.99% p.a. $0 p.a. annual fee for the first year ($295 p.a. thereafter) Go to site More info
Citi Simplicity Card
Take advantage of the 0% p.a. for 15 months offer on balance transfers, a low interest rate on purchases, an annual fee waiver for life, plus 5% cash back on retail purchases.
19.99% p.a. 0% p.a. for 15 months with 1.5% balance transfer fee $0 p.a. Go to site More info
28 Degrees Platinum MasterCard
Benefit from no international transaction fees on purchases, no currency conversion fees and no annual fee.
21.99% p.a. 4.99% p.a. for 6 months $0 p.a. Go to site More info
ANZ Low Rate Platinum
Enjoy platinum benefits with exclusive discounts, complimentary travel insurance and personal concierge. Also repay your credit card debt interest-free with 0% p.a. for 16 months on balance transfers.
11.49% p.a. 0% p.a. for 16 months with 2% balance transfer fee $99 p.a. Go to site More info
NAB Low Rate Platinum Card
Offers a low introductory rate of 0% p.a. on balance transfers for 18 months plus enjoy premium benefits including international travel insurance.
13.99% p.a. 0% p.a. for 18 months with 3% balance transfer fee $100 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
An interest-free period on both purchases and balance transfers.
0% p.a. for 12 months (reverts to 20.74% p.a.) 0% p.a. for 6 months $129 p.a. Go to site More info
Woolworths Everyday Platinum Credit Card
Receive a $100 eGift Card when you apply by 30 June 2017 and make an eligible purchase by 31 July 2017. Also, enjoy a long-term balance transfer offer and an annual fee waiver for the first year.
19.99% p.a. 0% p.a. for 14 months $0 p.a. annual fee for the first year ($49 p.a. thereafter) Go to site More info
ANZ Rewards Travel Adventures card
Pay no overseas transaction fee on purchases, earn up to 1.5 for every dollar spent on eligible purchases, plus receive complimentary domestic return flight and lounge passes each year you hold the card when you spend $500 on eligible purchases within the first three months.
20.24% p.a. $225 p.a. Go to site More info
ANZ Rewards Platinum
Enjoy accelerated points earning and great Platinum features with ANZ Rewards Platinum card. Also get the chance to receive $250 Westfield Gift Card when you spend $2,500 in the first 60 days from card approval plus a waived annual fee for the first year.
18.79% p.a. $0 p.a. annual fee for the first year ($95 p.a. thereafter) Go to site More info
Learn more about Platinum Credit Cards

Benefits of banking with The Mac

The Mac is a credit union, and as such develops their products and services with their members in mind. Look forward to highly competitive products, including their credit cards, that offer a number of distinct benefits.

  • Easy access to funds

MasterCard is not only a globally recognised credit card issuer, but they're also globally accepted. Look forward to using your card at millions of locations worldwide. You can make contactless purchases for transactions under $100, use your card to withdraw funds at ATMs (just be aware of the cash advance fees) and use it online and over the phone.

  • Secure spending

If you're looking to be protected when you spend with your card, The Mac has you covered. Purchase cover insurance and a guaranteed pricing scheme offer protection to both Low Rate and Platinum cardholders. Your card comes with an embedded microchip and as a MasterCard, your transactions will be monitored for unusual activity. When you use your card to spend online, SecureCode will provide that extra layer of security you need.

  • Premium services

All platinum cardholders get 24/7 access to a platinum concierge service that can assist you in areas such as travel, entertainment, shopping, and executive services. You can turn to this service to get information about different modes of travel and also make reservations. You can use it for hotel reservations and restaurant reservations, for information and logistical arrangements on gifts, and for interpretation and translation services.

Applying for a credit card through The Mac

You can apply for a MyCard MasterCard by visiting any Mac branch, you can initiate the process over the phone, or you can download an application from the Mac website and post, email, or fax the completed application. Before you begin, make sure you meet the following application criteria.

Eligibility criteria

  • You are at least 18 years old.
  • You are a permanent resident of Australia.
  • You don’t have bad credit history.
  • Income $25,000 p.a. or over required for the low rate card, and $35,000 p.a. or over required for the platinum card.

Required documents

While the application does not take long to complete, it requires that you have access to different types of information. Prepare to part with the following.

  • Personal details. The first section requires information such as your name, address and contact information.
  • Financial details. Provide information detailing your income, assets, debts and liabilities.
  • Professional details. Select your employment status and provide your employer’s name and contact details. If self-employed or retired, provide the name and contact details of your accountant.

After submitting the application

Once you submit your application a Card Services rep might get in touch with you for additional information. If you’re not an existing Mac member you’ll have to become one to get your card. New members have to go through an identity verification process, which is a legal requirement.

Frequently asked questions

If you have a question about Mac credit cards you might find the answer below. If not, feel free to ask us using the form at the end of the page.

How long does it take for me to receive my MasterCard?

The entire process of reviewing your application, processing it, and dispatching your card can take up to three weeks.

What repayment options do I have?

Setting up automatic repayments using just about any Australian savings or transaction account is one way to make repayments, and this takes away the need to remember making payments each month. You can also turn to online and phone banking, post cheques, or make payments by visiting a Mac branch.

What credit limit can I expect?

Your credit limit depends on your existing financial situation. The minimum credit limit of the low rate card is $2,000, and it is $6,000 for the platinum card.

Can I request for an increase in credit limit?

You can submit an application for an increase in your card’s credit limit, but approval depends on your meeting certain credit criteria.

Is there a limit on balance transfers?

The minimum you can transfer is $500, and transferred balances cannot exceed 80% of your card’s credit limit.

When do I apply for a balance transfer?

Provide all the relevant details during the application process, or when you hear about your card’s conditional approval.

How do I get an additional card?

You can request for an additional card linked to your primary card by visiting a Mac branch, on the phone, or online. You can get up to four additional cards.

How do I earn reward points and how do I found out how many points I have?

You earn reward points when you use your Platinum MasterCard to make eligible purchases, which exclude cash advances, balance transfers and the like. To find out your points balance, take a look at your credit card statement or call Card Services directly.

Is there a limit to the number of reward points I can earn and do they expire?

Yes, there is a limit but no they do not expire. Every year you're able to earn up to 100,000 points. And as long as your account remains in good standing your points won't expire.

Back to top
Was this content helpful to you? No  Yes

ANZ Platinum Credit Card - Exclusive Offer
ANZ Platinum Credit Card - Exclusive Offer

Interest rate

19.74

Annual fee

87
St.George Vertigo Platinum
St.George Vertigo Platinum

Interest rate

12.74

Annual fee

99
NAB Low Rate Credit Card
NAB Low Rate Credit Card

Interest rate

13.99

Annual fee

59

Ask a Question

You are about to post a question on finder.com.au

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Disclaimer: At finder.com.au we provide factual information and general advice. Before you make any decision about a product read the Product Disclosure Statement and consider your own circumstances to decide whether it is appropriate for you.
Rates and fees mentioned in comments are correct at the time of publication.
By submitting this question you agree to the finder.com.au privacy policy, receive follow up emails related to finder.com.au and to create a user account where further replies to your questions will be sent.

Ask a question
feedback