Macquarie Bank Credit Cards

Macquarie Bank credit cards give you the ability to earn rewards, enjoy platinum features or take advantage of a low interest rate.


Fact checked
Macquarie Bank

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!

Macquarie Bank operates as a global business in more than 25 countries. In Australia, Macquarie Bank offers customers an array of financial services and products, including credit cards. Whether you're looking for a platinum or rewards credit card or want to save with competitive interest rates, you can compare your credit card options with Macquarie Bank below.

Macquarie Bank Credit Card Offer

Macquarie Platinum Card

Receive 20,000 bonus Macquarie Reward points

Eligibility criteria, terms and conditions, fees and charges apply

Macquarie Bank Credit Card Offer

Receive 20,000 bonus points when you spend $2,000 on eligible purchases in the first 60 days from approval.

  • Earns 1.25 Macquarie Reward points per $1 spent
  • $99 annual fee
  • Interest rate of 20.7% p.a. on purchases and cash advances
  • 0% international transaction fees

Compare credit cards from Macquarie Bank

Data indicated here is updated regularly
% p.a.
Name Product Balance transfer rate Purchase rate Annual fee Amount saved
Macquarie Platinum Card
0% p.a. for 14 months
20.7% p.a.
Earn 20,000 bonus points and receive a 0% p.a. balance transfer offer for 14 months.
Macquarie Platinum Card with Qantas Rewards
0% p.a. for 14 months
20.7% p.a.
Collect 20,000 bonus Qantas Points and enjoy a 0% p.a. balance transfer offer for 14 months.
Macquarie Black Card
0% p.a. for 14 months
20.7% p.a.
Earn 20,000 bonus Macquarie Reward points and receive a 0% p.a. balance transfer offer for 14 months.
Macquarie Black Card with Qantas Rewards
0% p.a. for 14 months
20.7% p.a.
Earn 20,000 bonus Qantas Points and receive a 0% p.a. interest rate on balance transfers for 14 months.
Macquarie RateSaver Card
0% p.a. for 14 months
15.95% p.a.
Receive up to 55 days interest-free on purchases, a 0% p.a. for 14 month balance transfer offer and exclusive offers from Visa Entertainment.

Compare up to 4 providers

Types of credit cards that Macquarie Bank offers

You can compare Macquarie Bank credit cards to find a product that best suits your needs below:

  • Low rate credit cards

A low rate credit card can be good to have if you don’t regularly 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. Please note that this card also comes with an annual fee.

  • Rewards credit cards

Macquarie Bank currently offers cards linked to the Qantas Frequent Flyer program, Hilton Honors and the bank's own rewards program. Some of these cards also come with bonus points, which can help you redeem rewards faster. If you like the idea of earning reward points as you spend, you can compare your rewards credit card options below.

  • Platinum credit cards

Macquarie Bank platinum credit cards come linked to rewards programs and offer extra perks including complimentary insurances and a 24/7 concierge service. These cards come with annual fees and high interest rates, though, so it's important that the value of the extra features outweigh the cost of the card.

  • 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, higher earn reward points rates and concierge services.

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 on 02 8232 3333.

  • 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. It's also the only bank that directly earns Hilton Honors points. Depending on the card you choose, cardholders can look forward to competitive earn rates and bonus points offers.

  • 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 including flights, hotels and tours.

  • Visa benefits

As a Visa product, you can use Macquarie Bank cards internationally. You'll also enjoy Visa perks including Visa Entertainment to access 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, over the phone or online. Before you apply, make sure you've met the eligibility requirements and organised the following information:

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 dependent 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. 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.

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.

More guides on Finder

  • Macquarie Bank credit card rewards program

    Choose between cashback on your account or digital gift cards when you earn and redeem points through the Macquarie Rewards program.

  • Macquarie Black Card with Qantas Points

    The 20,000 introductory bonus points and 0% p.a. balance transfer offer are just the start of what you can get with this card.

  • Macquarie Black Card

    The Macquarie Black credit card earns 2 points per $1 spent, which you can use to get digital gift cards or cash back on your account.

  • Macquarie Platinum Card with Qantas Rewards

    Earn Qantas Points as you spend, receive 20,000 bonus points and take advantage of complimentary travel insurance with the Macquarie Platinum Card with Qantas Rewards.

  • Macquarie Platinum credit card

    The Macquarie Platinum gives you access to rewards, complimentary travel insurance, a concierge service and introductory bonus points.

  • Macquarie RateSaver Card

    This low-cost credit card has the same interest rate for purchases and cash advances, plus an introductory 0% p.a. balance transfer offer.

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • 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

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

12 Responses

    Default Gravatar
    ChristineApril 11, 2016

    Thank you May,

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

      Avatarfinder Customer Care
      MayApril 11, 2016Staff

      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.


    Default Gravatar
    ChristineApril 11, 2016

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

      Avatarfinder Customer Care
      MayApril 11, 2016Staff

      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.


    Default Gravatar
    SandyFebruary 24, 2016

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

    Default Gravatar
    PeterDecember 9, 2015

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

      Avatarfinder Customer Care
      DebbieDecember 9, 2015Staff

      Hi Peter,

      Thank you for your inquiry.
      Please note that you’ve come through, 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.


    Default Gravatar
    GlenoSeptember 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?

      Avatarfinder Customer Care
      ShirleySeptember 10, 2014Staff

      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.


    Default Gravatar
    RichardAugust 16, 2013

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

      Avatarfinder Customer Care
      JacobAugust 16, 2013Staff

      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.


Go to site