Macquarie Bank Credit Cards

macquarie logo

Macquarie Bank credit cards give you the ability to earn rewards or take advantage of a low interest rate

Macquarie Bank, originally known as Hill Samuel Australia, began operations in 1969. The name Macquarie Bank Limited came into effect only in 1985 after receiving its Australian banking license. It also started offering stockbroking services in the same year. Establishment of Macquarie Bank International Limited, as well as its branch in United Kingdom, took place in 2008.

Macquarie now operates as a global business, with its presence felt in 28 countries. In Australia, this bank offers its members an array of financial service and products, which include credit cards.

Compare credit cards from Macquarie Bank

Rates last updated December 8th, 2016.

Hilton HHonors Macquarie Platinum Card

$0 annual fee for the first year has been replaced with $99 annual fee for the first year

December 5th, 2016

View latest updates

Jonathan Choi Jonathan
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Macquarie Platinum Card
Earn 40,000 bonus points when you spend $2,000 on eligible purchases within 60 days of approval and enjoy a range of rewards and complimentary insurance covers.
20.70% p.a. 0% p.a. for 14 months $99 p.a. annual fee for the first year ($199 p.a. thereafter) More info
Macquarie Platinum Card with Qantas Rewards
Receive 40,000 bonus Qantas Points when you meet the minimum spend, 1 Qantas Point per $1 spent and complimentary insurances.
20.70% p.a. 0% p.a. for 14 months $99 p.a. annual fee for the first year ($249 p.a. thereafter) More info
Macquarie Black Card
Earn 60,000 bonus points when you meet the minimum spend, 2 rewards points per $1 spent, a long term balance transfer offer of 0% p.a. for 14 months with a discounted annual fee of $99 on the first year.
20.70% p.a. 0% p.a. for 14 months $99 p.a. annual fee for the first year ($249 p.a. thereafter) More info
Macquarie Black Card with Qantas Rewards
Earn 40,000 bonus Qantas Points plus enjoy a long term offer of 0% p.a. for 14 months on balance transfers.
20.70% p.a. 0% p.a. for 14 months $99 p.a. annual fee for the first year ($299 p.a. thereafter) More info
Hilton HHonors Macquarie Platinum Card
A platinum credit card with bonus Macquarie points when you spend at hotels and resorts within the Hilton Portfolio
20.70% p.a. 0% p.a. for 14 months $99 p.a. annual fee for the first year ($295 p.a. thereafter) More info
Macquarie RateSaver Card
Enjoy a low annual fee, 0% p.a. for 14 months on balance transfers plus up to 55 days interest-free on purchases.
15.95% p.a. 0% p.a. for 14 months $69 p.a. More info

Types of credit cards that Macquarie Bank offers

Macquarie Bank customers get to choose from a few different types of credit cards, meaning you're able to choose a product that's tailored to your spending needs.

  • Low rate credit cards

A low rate credit card can be good to have if you don’t pay your balances in full each month. The Macquarie Visa RateSaver Card comes with a 0% p.a. balance transfer offer for 14 months as well as up to 55 interest-free days on purchases. These low-cost features are offset by a nominal annual fee.

Rates last updated December 8th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
Macquarie RateSaver Card
Enjoy a 0% p.a. interest rate on balance transfers for 14 months and a low interest rate on purchases.
15.95% p.a. 0% p.a. for 14 months $69 p.a. Up to 55 days on purchases More info
Rates last updated December 8th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
ANZ Low Rate Platinum Credit Card
$250 Back plus 0% p.a. for the first 6 months on purchases from approval.
0% p.a. for 6 months (reverts to 13.49% p.a.) $99 p.a. Up to 55 days on purchases Go to site More info
NAB Low Fee Card
Enjoy a low introductory rate of 0% p.a. on balance transfers and purchases for 15 months.
0% p.a. for 15 months (reverts to 19.74% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $30 p.a. Up to 44 days on purchases Go to site More info
ME Bank frank Credit Card
A low interest rate on purchases and cash advances with no annual fee charge.
11.99% p.a. $0 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
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 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 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 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.
1% p.a. for 12 months (reverts to 13.49% p.a.) 0% p.a. for 16 months $59 p.a. Up to 55 days on purchases Go to site More info
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 18 months and an introductory purchase offer of 1% p.a. for 12 months with an annual fee waiver for the first year.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Up to 55 days on purchases Go to site More info
Coles Low Rate MasterCard
A low rate MasterCard with a competitive rate on purchases and a low annual fee.
12.99% p.a. 0% p.a. for 6 months $49 p.a. Up to 62 days on purchases Go to site More info
Bank of Melbourne Vertigo Visa Credit Card
Enjoy a low annual fee combined with 0% p.a. balance transfer offer for 18 months and 1% p.a. for up to 12 months on purchases.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 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 18 months and 1% p.a. for 12 months on purchases combined with complimentary insurance covers.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Up to 55 days on purchases Go to site More info
Australian Military Bank Low Rate Visa Credit Card
Enjoy a low interest rate of 10.99% p.a. on purchases, combined with a balance transfer offer of 0% p.a. for 12 months and a low annual fee.
10.99% p.a. 0% p.a. for 12 months $49 p.a. Up to 55 days on purchases Go to site More info
ANZ Low Rate
$100 Back plus 0% p.a. for the first 6 months on purchases from approval.
0% p.a. for 6 months (reverts to 13.49% p.a.) $58 p.a. Up to 55 days on purchases Go to site More info
BankSA Vertigo Visa
Enjoy a low balance transfer offer of 0% p.a. for 18 months and a low ongoing purchase rate from BankSA.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
Citi Clear Platinum Card
Enjoy 0% p.a. for 9 months interest-free purchasing and 0% p.a. for 9 months on balance transfers.
0% p.a. for 9 months (reverts to 14.99% p.a.) 0% p.a. for 9 months $99 p.a. Up to 55 days on purchases Go to site More info
BankSA Vertigo Platinum
Experience Platinum card benefits with complimentary insurance policies and 24/7 Visa Platinum Concierge Service. Get 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months if you apply by 4 January 2017.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Up to 55 days on purchases Go to site More info
Learn more about Low Rate Credit Cards
  • Rewards credit cards

If you like the idea of earning and redeeming reward points by paying a slightly higher annual fee and interest rate you can consider getting a rewards card.

Rates last updated December 8th, 2016
Rewards Points per $ spent (AMEX) Rewards Points per $ spent (VISA/MC) Bonus Points Annual fee
Hilton HHonors Macquarie Platinum Card
Pay $99 annual fee for the first year, enjoy a balance transfer offer of 0% p.a. for 14 months and earn up to 4 HHonors Bonus Points when you spend at hotels and resorts within the Hilton Portfolio.
0 4 $99 p.a. annual fee for the first year ($295 p.a. thereafter) More info
Macquarie Platinum Card
Earn 40,000 bonus points when you spend $2,000 on eligible purchases within 60 days of approval and enjoy a range of rewards and complimentary insurance covers.
0 1.25 40,000 bonus points $99 p.a. annual fee for the first year ($199 p.a. thereafter) More info
Macquarie Platinum Card with Qantas Rewards
Receive 40,000 bonus Qantas Points when you meet the minimum spend, 1 Qantas Point per $1 spent and complimentary insurances.
1 40,000 bonus points $99 p.a. annual fee for the first year ($249 p.a. thereafter) More info
Rates last updated December 8th, 2016
Rewards Points per $ spent (AMEX) Rewards Points per $ spent (VISA/MC) Bonus Points Annual fee
American Express Explorer Credit Card
Receive 100,000 Membership Rewards Bonus Points on eligible spend within the first 2 months of Card Membership. Also enjoy a $400 travel voucher and two complimentary airline passes per year.
2 100,000 bonus points $395 p.a. 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.
1 $0 p.a. Go to site More info
HSBC Platinum Credit Card
Enjoy an annual fee refund every year if you meet the spend requirement with a balance transfer offer, high credit limits and prestige services including a personal concierge service and VISA Platinum rewards program.
0 1 $149 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.
0 1 60,000 bonus points $199 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn bonus Velocity Points in the first 3 months plus a low balance transfer offer of 0% p.a. for 18 months
0 0.66 $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
NAB Qantas Rewards Premium Card - Exclusive Offer
Get 75,000 bonus Qantas Points plus enjoy a low promotional offer of 4.99% p.a. for 6 months on balance transfers.
1.5 0.5 75,000 bonus points $250 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Earn Velocity Points plus enjoy an introductory interest-free offer of 0% p.a. on purchases for 12 months, and 0% p.a. for 6 months on balance transfers.
0 0.66 $129 p.a. Go to site More info
ANZ Rewards Platinum
Earn points for every dollar spent on purchases plus a 50,000 Reward Points after your first eligible purchase is made within 3 months of card approval.
2 1 50,000 bonus points $95 p.a. Go to site More info
American Express Velocity Platinum Card
Enjoy up to 50,000 bonus Velocity Points when you meet the minimum required spend and earn up to 3 rewards points per dollar spent. Also receive a complimentary return flight every year.
1 0 50,000 bonus points $349 p.a. Go to site More info
American Express Platinum Edge Credit Card
Receive 10,000 Membership Rewards Bonus Points when you meet the minimum spend requirement. Enjoy a $200 travel credit every year and get 0% p.a. for 12 months on balance transfers.
1 0 10,000 bonus points $195 p.a. Go to site More info
ANZ Rewards Travel Adventures card
Pay no overseas transaction fee on purchases and 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.
2 1 $225 p.a. Go to site More info
Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
Receive 30,000 bonus Velocity Points and earn 1 Velocity Points per $1 spent. Receive an exclusive $129 Virgin Australia Gift Voucher and two complimentary Single Entry Virgin Australia domestic Lounge passes each year.
0 1 30,000 bonus points $144 p.a. annual fee for the first year ($289 p.a. thereafter) Go to site More info
American Express Qantas Discovery Card
A no annual fee frequent flyer credit card with Earn 7,500 bonus points and enjoy 0% p.a. on balance transfers for 12 months when you apply and are approved. Earn 1 Qantas Point per $1 spend.
1 0 7,500 bonus points $0 p.a. Go to site More info
American Express Velocity Escape Card
Enjoy 7,500 bonus Velocity Points when you meet the minimum spend requirement and earn up to 2 points for every $1 you spend, together with a $0 annual fee.
1 0 7,500 bonus points $0 p.a. Go to site More info
Westpac Altitude Black - Exclusive Offer
Earn 100,000 bonus points when you spend $5,000 on eligible purchases, choose between two reward programs offering Altitude or Qantas Rewards and receive premium cardholder benefits.
3 1.25 100,000 bonus points $395 p.a. Go to site More info
American Express Qantas Premium Card
Earn as much as 30,000 bonus Qantas Points when you meet the minimum spend requirement. Enjoy frequent flyer benefits including uncapped Qantas Points per $1 spent, complimentary travel insurance and Qantas Club lounge invitations.
1 0 30,000 bonus points $249 p.a. Go to site More info
David Jones American Express Platinum Card
Receive 40,000 Membership Rewards points or 30,000 Qantas Points. Plus earn up to 4 rewards point per $1 spend.
1 40,000 bonus points $295 p.a. Go to site More info
Citi Qantas Signature Credit Card
Earn up to 50,000 bonus Qantas Points when you spend $2,000 or more on eligible purchases in the first 90 days. Plus, enjoy introductory interest rates on balance transfers and purchases with a discounted annual fee of $199 in the first year.
0 1 50,000 bonus points $199 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
American Express Platinum Business Card
Receive 100,000 bonus points when you meet the minimum spend requirement and earn up to 2 Membership Rewards points for every dollar spent.
1 0 100,000 bonus points $1,500 p.a. Go to site More info
Commonwealth Bank Business Platinum Awards Credit Card
Earn up to 3 Awards points per dollar spent and enjoy a range complimentary insurances.
3 1 $300 p.a. Go to site More info
Learn more about Rewards Credit Cards
  • Platinum credit cards

Apart from offering rewards, a platinum credit card tends to offer extras as well, although you’ll have to pay higher annual fees. Depending on the card you apply for, using a Macquarie Visa Platinum Card enables you to earn Macquarie reward points, Qantas Points, or Hilton HHonors points. All Macquarie Bank Platinum cards offer complimentary insurance covers and access to a 24/7 concierge service, and you can take advantage of a 0% p.a. balance transfer offer for nine months.

Rates last updated December 8th, 2016
Points per $ spent Complimentary Travel Insurance Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Macquarie Platinum Card
Earn 40,000 bonus points when you spend $2,000 on eligible purchases within 60 days of approval and enjoy a range of rewards and complimentary insurance covers.
VISA/MC: 1.25 AMEX: 0 Yes 20.70% p.a. 0% p.a. for 14 months $99 p.a. annual fee for the first year ($199 p.a. thereafter) More info
Hilton HHonors Macquarie Platinum Card
Pay $99 annual fee for the first year, enjoy a balance transfer offer of 0% p.a. for 14 months and earn up to 4 HHonors Bonus Points when you spend at hotels and resorts within the Hilton Portfolio.
VISA/MC: 4 AMEX: 0 Yes 20.70% p.a. 0% p.a. for 14 months $99 p.a. annual fee for the first year ($295 p.a. thereafter) More info
Rates last updated December 8th, 2016
Points per $ spent Complimentary Travel Insurance Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
ANZ Low Rate Platinum Credit Card
$250 Back plus 0% p.a. for the first 6 months on purchases from approval.
Yes 0% p.a. for 6 months (reverts to 13.49% p.a.) $99 p.a. 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.
VISA/MC: 1 AMEX: 0 Yes 19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
NAB Qantas Rewards Premium Card - Exclusive Offer
Get 75,000 bonus Qantas Points plus enjoy a low promotional offer of 4.99% p.a. for 6 months on balance transfers.
VISA/MC: 0.5 AMEX: 1.5 Yes 19.99% p.a. 4.99% p.a. for 6 months $250 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn bonus Velocity Points in the first 3 months and a low 0% p.a. for 18 months on balance transfers. Receive a free Virgin Australia $129 Gift Voucher each year. Available from mid-2016.
VISA/MC: 0.66 AMEX: 0 No 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
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.
VISA/MC: 0 AMEX: 0 Yes 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
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.
VISA/MC: 1 AMEX: 0 Yes 19.99% p.a. $199 p.a. Go to site More info
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 18 months and an introductory purchase offer of 1% p.a. for 12 months with an annual fee waiver for the first year.
VISA/MC: 0 AMEX: 0 Yes 1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Go to site More info
Citi Rewards Credit Card - Platinum Card
Enjoy a long term balance transfer offer and earn 1.25 Citi Reward Points on per $1 spent for all domestic purchases.
VISA/MC: 1.25 AMEX: 0 Yes 20.99% p.a. 0% p.a. for 24 months with 1.5% balance transfer fee $199 p.a. annual fee for the first year ($249 p.a. thereafter) Go to site More info
American Express Platinum Edge Credit Card
Receive 10,000 Membership Rewards Bonus Points when you meet the minimum spend requirement. Enjoy a $200 travel credit every year and get 0% p.a. for 12 months on balance transfers.
VISA/MC: 0 AMEX: 1 Yes 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $195 p.a. 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 18 months and 1% p.a. for 12 months on purchases combined with complimentary insurance covers.
VISA/MC: 0 AMEX: 0 Yes 1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Go to site More info
Citi Qantas Signature Credit Card
Earn up to 50,000 bonus Qantas Points when you spend $2,000 or more on eligible purchases in the first 90 days. Plus, enjoy introductory interest rates on balance transfers and purchases with a discounted annual fee of $199 in the first year.
VISA/MC: 1 AMEX: 0 Yes 20.99% p.a. 0% p.a. for 6 months $199 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
American Express Velocity Platinum Card
Enjoy up to 50,000 bonus Velocity Points when you meet the minimum required spend and earn up to 3 rewards points per dollar spent. Also receive a complimentary return flight every year.
VISA/MC: 0 AMEX: 1 Yes 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $349 p.a. 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 1.5 Qantas Points per dollar spent.
VISA/MC: 0.5 AMEX: 1.5 Yes 19.99% p.a. $0 p.a. annual fee for the first year ($295 p.a. thereafter) Go to site More info
American Express Explorer Credit Card
Receive 100,000 Membership Rewards Bonus Points on eligible spend within the first 2 months of Card Membership. Also enjoy a $400 travel voucher and two complimentary airline passes per year.
2 Yes 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $395 p.a. Go to site More info
ANZ Rewards Travel Adventures card
Pay no overseas transaction fee on purchases and 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.
VISA/MC: 1 AMEX: 2 Yes 20.24% p.a. $225 p.a. Go to site More info
American Express Qantas Premium Card
Earn as much as 30,000 bonus Qantas Points when you meet the minimum spend requirement. Enjoy frequent flyer benefits including uncapped Qantas Points per $1 spent, complimentary travel insurance and Qantas Club lounge invitations.
VISA/MC: 0 AMEX: 1 Yes 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $249 p.a. Go to site More info
Citi Rewards Platinum Card - Cashback Offer
Earn $250 cashback on eligible spend, plus enjoy 0% p.a. balance transfer offer for 12 months, discounted annual fees for the life of the card and a complimentary travel insurance.
VISA/MC: 1.25 AMEX: 0 Yes 20.99% p.a. 0% p.a. for 12 months $99 p.a. annual fee for the first year ($199 p.a. thereafter) Go to site More info
American Express Platinum Card
Receive 100,000 Membership Rewards Bonus Points when you meet the minimum spend requirement and earn up to 3 points per dollar spent. Gain access to travel insurance, $300 Platinum Travel Credit every year and access to 900 VIP airport lounges.
VISA/MC: 0 AMEX: 1 Yes $1,200 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.
VISA/MC: 0.66 AMEX: 0 No 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
Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
Receive 30,000 bonus Velocity Points and earn 1 Velocity Points per $1 spent. Receive an exclusive $129 Virgin Australia Gift Voucher and two complimentary Single Entry Virgin Australia domestic Lounge passes each year.
VISA/MC: 1 AMEX: 0 Yes 20.74% p.a. 1.9% p.a. for 15 months $144 p.a. annual fee for the first year ($289 p.a. thereafter) Go to site More info
Learn more about Platinum Credit Cards
  • Black credit cards

Macquarie Bank offers black-tier credit cards, providing cardholders with another level of benefits beyond platinum cards. Black cardholders can look forward to airport lounge access, uncapped rewards points with higher points per $1 spent on eligible purchases and concierge services.

Rates last updated December 8th, 2016
Points per $ spent Complimentary Travel Insurance Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Macquarie Black Card
Earn 60,000 bonus points when you meet the minimum spend, 2 rewards points per $1 spent, a long term balance transfer offer of 0% p.a. for 14 months with a discounted annual fee of $99 on the first year.
VISA/MC: 2 AMEX: 0 Yes 20.70% p.a. 0% p.a. for 14 months $99 p.a. annual fee for the first year ($249 p.a. thereafter) More info
Macquarie Black Card with Qantas Rewards
Earn 40,000 bonus Qantas Points plus enjoy a long term offer of 0% p.a. for 14 months on balance transfers.
VISA/MC: 1 AMEX: 0 Yes 20.70% p.a. 0% p.a. for 14 months $99 p.a. annual fee for the first year ($299 p.a. thereafter) More info
Rates last updated December 8th, 2016
Points per $ spent Complimentary Travel Insurance Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Westpac Altitude Black - Exclusive Offer
Earn 100,000 bonus points when you spend $5,000 on eligible purchases, choose between two reward programs offering Altitude or Qantas Rewards and receive premium cardholder benefits.
VISA/MC: 1.25 AMEX: 3 Yes 20.24% p.a. $395 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 2 months of Card Membership. Also enjoy a $400 travel voucher and two complimentary airline passes per year.
2 Yes 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $395 p.a. Go to site More info
ANZ Frequent Flyer Black
Earn 75,000 bonus Qantas Points after you spend $2,500 on eligible purchases within the first 3 months plus enjoy $0 annual fee for the first year. Plus, enjoy easy payments with Apple Pay.
VISA/MC: 0.75 AMEX: 1.5 Yes 19.99% p.a. $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
ANZ Rewards Black Credit Card
Earn 75,000 Reward Points after your first eligible purchase within the first three months. Up to 3 reward points per dollar spent and unlimited access to airport lounges with complimentary travel insurance.
VISA/MC: 1.25 AMEX: 3 Yes 18.79% p.a. $375 p.a. Go to site More info
Citi Prestige Card
Receive 70,000 bonus reward points on your first spend with uncapped rewards points and no points expiry.
2 Yes 20.99% p.a. 0% p.a. for 6 months $700 p.a. Go to site More info

Learn more about Black Credit Cards

Benefits of banking with Macquarie Bank

Banking with this institution allows you to have all your financial needs met under a single umbrella, be it through savings accounts, transaction accounts, term deposits, loans, online trading, specialist investments or financial advice. Getting a credit card through Macquarie comes with a number of advantages.

  • Round-the-clock service

Irrespective of the credit card you choose you can access the Macquarie Bank service centre at any time of the day or night. Its team of specialists aims to deliver high levels of customer service.

  • Choice of reward points

If you’re applying for the Macquarie Visa Platinum Card you have the option to apply for the card with Macquarie reward points or Qantas Points, and you can also get a Hilton HHonors Macquarie Platinum Card through this bank. This card comes with automatic HHonors Gold status and enables you to earn HHonors points.

  • MyChoice Travel

The Macquarie Visa Platinum Card with Macquarie reward points gives you access to MyChoice Travel, your personal travel agent. You can use this service to redeem your reward points and pay for part of or all your travel expenses, no matter where you’re going. This covers flight tickets, car hire, accommodation, tours, and the like.

  • Visa benefits

These credit cards, owing to their Visa connection, find acceptance the world over. Visa Entertainment brings to you exclusive offers as well as access to upcoming sporting events, live shows, movies, and more. Visa's Zero Liability policy offers protection to all cardholders, and 24/7 online account monitoring provides advanced fraud protection.

Applying for a Macquarie Bank credit card

You can apply for a Macquarie Bank Credit Card by visiting any of the bank’s branches, by speaking to a credit card specialist over the phone, or you can complete and submit your application online.

Eligibility criteria

  • You’re older than 18 years of age
  • You’re a permanent Australian resident
  • You have good credit history
  • You meet the minimum income requirements (which vary from card to card)

Required documents

  • Applicant details. These include your complete name, date of birth, marital status, number of dependant children and driver’s license number.
  • Identification details. This section requires your mother’s maiden name as well as the name and phone number of a friend or relative who does not share the same address with you.
  • Contact details. Enter your residential address, time spent at this address, phone numbers and email address.
  • Professional details. This section requires your employment status, occupation, name of your employer, time at current job, your employer’s contact details, your gross annual income and income from other sources.
  • Expenses. Here, you have to provide details about rent, mortgage repayments, living expenses, your total available credit limit on existing credit cards and the minimum repayments towards other loans.

What happens next?

You might receive a call from a Macquarie Bank representative if the bank needs any extra information. If you let your employer’s payroll department know of an impending income verification call in advance, the process can move a little quicker. New Macquarie Bank customers have to go through an identity verification process, as stipulated by the Australian government. You might have to visit a branch to complete this formality.

Back to top

Frequently asked questions

Listed below are a range of questions and answers about Macquarie Bank's credit cards. To ask a question that isn't listed below you can use the form at the end of this page.

How quickly can I complete the online application?

Keep all the information needed to complete the application nearby, and you can complete it in around 10 to 15 minutes.

How can I check my application’s status?

You can call Macquarie Bank directly to find out about the status of your application.

Can I add an additional cardholder?

With the platinum card, you can get up to four additional cards for free.

What complimentary insurance covers do platinum cardholders receive?

All Macquarie Visa Platinum cardholders receive complimentary extended warranty insurance, interstate flight inconvenience insurance and overseas travel insurance.

How do I earn reward points?

You earn rewards points when you use your gold or platinum card to make eligible transactions. With the gold card, you earn one Macquarie point for every dollar spent. The platinum card with Macquarie reward points offers 1.25 reward points for every dollar spent. If you opt for the platinum card with Qantas Points, every dollar spent earns one Qantas Point. With the Hilton HHonors Macquarie Platinum card you can earn up to Up to four HHonors bonus points per dollar spent.

How can I find out how many points I have?

You can find out how many points you have online, over the phone, or by going through your credit card statement.

Do Macquarie reward points expire?

As long as you keep your account open and operate it as per the given terms and conditions, your reward points don’t expire.

Is there a cap on the number of points I can earn?

Macquarie Visa Gold cardholders earn reward points on annual spending of up to $130,000, and it changes to $200,000 for Platinum cardholders.

Can I transfer my reward points?

No, you cannot transfer your reward points, and your points automatically cancel when your account closes.

How can I redeem my reward points?

You can redeem your Macquarie reward points through the Macquarie Rewards Program. Choose from an array of merchandise, gift cards, experiences, vouchers, and travel bookings. Qantas points are accumulated in your Qantas Frequent Flyer program account, and you redeem them like you would your regular Qantas Points. Redeeming HHonors points presents you with options such as staying at Hilton hotels, dining in their restaurants and making purchases.

Back to top
Back to top

Read more on this topic

American Express Essential Credit Card
American Express Essential Credit Card

Interest rate

14.99

Annual fee

0
ME Bank frank Credit Card
ME Bank frank Credit Card

Interest rate

11.99

Annual fee

0
HSBC Platinum Credit Card
HSBC Platinum Credit Card

Interest rate

19.99

Annual fee

149

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.

12 Responses to Macquarie Bank Credit Cards

  1. Default Gravatar
    Christine | April 11, 2016

    Thank you May,

    But which ones are Macquarie Banks home network? If I use a Redi ATM will this incur fees?

    • Staff
      May | April 11, 2016

      Hi Christine,

      Thanks again for your comment.

      As I mentioned in my previous comment, any Westpac, St.George or BankSA branded ATM are Macquarie Bank home network. Other than these brands, you may be charged ATM withdrawal fees.

      As for using the rediATM, their partners’ cardholders can use any of the 3,000 rediATMs across Australia without receiving a direct charge fee. I’ve sent a link to your email for the list of the rediATM partners.

      I hope this helps.

      Cheers,
      May

  2. Default Gravatar
    Christine | April 11, 2016

    When banking with Macquarie which ATM can I use that will not attract fees?

    • Staff
      May | April 11, 2016

      Hi Christine,

      Thanks for your inquiry.

      To avoid unnecessary ATM transaction fees, you should use ATMs that are part of the Macquarie Bank home network including any Westpac, St.George or BankSA branded ATMs where transactions are free and unlimited.

      On the other hand, if you need to use an ATM that is not part of the home network, Macquarie Bank does not charge for this. But you may be charged directly by the ATM owner at the time of the transaction.

      Hope this helps.

      Cheers,
      May

  3. Default Gravatar
    Sandy | February 24, 2016

    Hi – what banks/ providers still provide reward/QFF points for ATO payments?

  4. Default Gravatar
    Peter | December 9, 2015

    I wish to return my unused Macquarie Credit Card so can you please advise where I should send the card to please?

    • Staff
      Debbie | December 9, 2015

      Hi Peter,

      Thank you for your inquiry.
      Please note that you’ve come through finder.com.au, an online comparison service and not Macquarie.

      You can contact a Macquarie customer service representative directly to further assist you by using this hotline:
      +61 2 8232 3333.

      For other information on how to cancel a credit card, please go through this page.
      I hope this helps.

      Cheers,
      Debbie

  5. Default Gravatar
    Gleno | September 9, 2014

    I currently have a Founding Member Platinum Visa Card and want to know what your best offer interest rate would be if I wish to do a Balance Transfer to this account?

    • Staff
      Shirley | September 10, 2014

      Hi Gleno,

      Thanks for your question.

      At the time of writing, the BT offer for the Macquarie Bank Platinum Visa is 5.99% p.a. for 9 months.

      If you’d like, you can compare more offers on this page.

      Cheers,
      Shirley

  6. Default Gravatar
    Richard | August 16, 2013

    What is the minimum amount of income required to apply for a card?

    • Staff
      Jacob | August 16, 2013

      Hi Richard.

      There are number of credit cards, the each currently have a minimum income requirement of $50,000 per annum. You will have to apply direct through the Macquarie website.

      Thanks for your question.

      Jacob.

Credit Cards Comparison

Rates last updated December 8th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
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
ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
11.99% p.a. $0 p.a. 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
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $59 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

* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

Ask a question
feedback