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 May 27th, 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.

Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate (p.a.) Product Description
The Mac MyCard Low Rate MasterCard
12.99% p.a.
Up to 55 days on purchases
$49 p.a.
0% p.a. for 12 months
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.

Compare up to 4 providers

Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate (p.a.) Product Description
HSBC Low Rate Credit Card
13.25% p.a.
Up to 55 days on purchases
$55 p.a.
0% p.a. for 15 months with 2% balance transfer fee
Save with 13.25% p.a. on purchases. Also enjoy exclusive offers with the home&Away Privilege Program.
St.George Vertigo Visa
13.24% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
0% p.a. for 14 months
Save with 13.24% p.a. on purchases. Also enjoy up to 55 days interest-free.
St.George Vertigo Platinum
12.74% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 20 months
Save with 12.74% p.a. on purchases. Also enjoy Visa Platinum Concierge service.
Westpac Low Rate Card - Online Only Balance Transfer Offer
13.49% p.a.
Up to 55 days on purchases
$59 p.a.
0% p.a. for 24 months with 2% balance transfer fee
A low interest rate on everyday purchases and a long term balance transfer rate offer of 0% for 24 months.
Bendigo Bank Basic Black Credit Card
12.24% p.a.
Up to 44 days on purchases
$45 p.a.
A basic credit card that features low interest rates, low annual fee and up to 44 interest-free days on purchases.
ANZ Low Rate Platinum
11.49% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 16 months with 2% balance transfer fee
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.
NAB Low Rate Platinum Card
13.99% p.a.
Up to 55 days on purchases
$100 p.a.
0% p.a. for 18 months with 3% balance transfer fee
Save with 13.99% p.a. on purchases. Also enjoy access to 7 complimentary insurances.
ANZ Low Rate
12.49% p.a.
Up to 55 days on purchases
$58 p.a.
0% p.a. for 16 months with 2% balance transfer fee
Take advantage of 0% p.a. for 16 months on balance transfers and a low ongoing interest rate on purchases.
Coles Low Rate Mastercard
12.99% p.a.
Up to 62 days on purchases
$49 p.a.
0% p.a. for 6 months
Receive $100 off a single Coles Supermarket shop If you apply, are approved by 30 June 2017 and make a purchase within the first 30 days.
Bank of Melbourne Vertigo Platinum
12.74% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 20 months
Save with 12.74% p.a. on purchases. Also enjoy up to 55 days interest-free.
NAB Low Rate Credit Card
13.99% p.a.
Up to 55 days on purchases
$59 p.a.
0% p.a. for 18 months with 3% balance transfer fee
Save with 13.99% p.a. on purchases. Also enjoy special offers from Visa Entertainment.
American Express Essential®  Credit Card
14.99% p.a.
Up to 55 days on purchases
$0 p.a.
0% p.a. for 12 months with 1% balance transfer fee
A no annual fee card that collects up to 1 Membership Rewards point for every $1 spent.
Virgin Money Low Rate Credit Card
11.99% p.a.
Up to 44 days on purchases
$99 p.a.
0% p.a. for 12 months
Save with 11.99% p.a. on purchases. Also enjoy the protection of Fraudshield.
Westpac Low Rate Card
0% p.a. for 6 months (reverts to 13.49% p.a.)
Up to 55 days on purchases
$59 p.a.
0% p.a. for 12 months
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.
Heritage Bank Gold Low Rate Credit Card
11.80% p.a.
0 interest free days
$0 p.a.
0% p.a. for 12 months
Save with 11.8% p.a. on purchases. Also enjoy $0 annual fee.
BankSA Vertigo Visa
13.24% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
0% p.a. for 14 months
Enjoy a low balance transfer offer of 0% p.a. for 14 months and a low ongoing purchase rate from BankSA.

Compare up to 4 providers

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 May 27th, 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 May 27th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
NAB Rewards Platinum Card
Earn double points on purchases made in major department and hardware stores and receive complimentary travel and purchase insurance.
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
Take advantage of a 0% p.a. for 22 months on balance transfers offer with a 2% p.a. balance transfer fee.
19.99% p.a. 0% p.a. for 22 months with 2% balance transfer fee $99 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Exclusive Offer
Earn 2 Velocity Points on top of the standard earn rate per $1 spent on eligible transactions within the first 3 months.
20.74% p.a. 0% p.a. for 18 months $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 of 0% p.a. for 24 months with a 1.5% p.a. balance transfer fee.
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.
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
Receive platinum benefits including complimentary insurance covers, airport lounge passes, and a complimentary return flight each year.
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
Enjoy complimentary membership to the Qantas Frequent Flyer program and international travel insurance.
19.99% p.a. $199 p.a. Go to site More info
American Express Explorer® Credit Card
Get a $400 travel voucher every year, complimentary airline lounge passes and several travel insurances.
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
Take advantage of a 0% p.a. for 20 months on balance transfers offer with no balance transfer fee.
12.74% p.a. 0% p.a. for 20 months $99 p.a. Go to site More info
ANZ Frequent Flyer Platinum
Receive a complimentary Qantas Frequent Flyer membership and a range of included insurance covers.
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
Receive 10% cash back on all eligible purchases, capped at $50 per month for 4 months from card approval.
19.99% p.a. 0% p.a. for 6 months $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 up to 55 days interest-free on purchases.
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 a 24/7 personal concierge.
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
Take advantage of a 0% p.a. for 18 months on balance transfers offer with a 3% p.a. balance transfer fee.
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
Receive a $129 Virgin Australia Gift Voucher each year and complimentary insurance with this long-term 0% p.a. interest offer.
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
ANZ Rewards Travel Adventures card
No overseas transaction fee on purchases, plus a complimentary domestic return flight each year when you meet the eligibility criteria.
20.24% p.a. $225 p.a. Go to site More info
ANZ Rewards Platinum
Enjoy accelerated points earning and great platinum features including complimentary travel insurance and purchase protection.
18.79% p.a. $0 p.a. annual fee for the first year ($95 p.a. thereafter) Go to site More info
Heritage Bank Platinum Credit Card
Take advantage of 0% p.a. for 12 months on balance transfers. Plus, receive complimentary insurance when you travel.
16.75% p.a. 0% p.a. for 12 months $125 p.a. Go to site More info
Westpac 55 Day Platinum Credit Card
Take advantage of a 0% p.a. for 12 months on balance transfers offer, plus up to 55 days interest-free on purchases.
0% p.a. for 6 months (reverts to 19.84% p.a.) 0% p.a. for 12 months $0 p.a. annual fee for the first year ($90 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.

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

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.

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.

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

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

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

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.

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.

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.

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American Express Velocity Platinum Card
American Express Velocity Platinum Card

Interest rate

20.74

Annual fee

375
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

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