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Eligibility criteria, terms and conditions, fees and charges apply
Receive 20,000 bonus points when you spend $2,000 on eligible purchases in the first 60 days from approval.
You can compare Macquarie Bank credit cards to find a product that best suits your needs below:
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.
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.
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.
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.
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.
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.
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.
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.
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.
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:
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.
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.
Choose between cashback on your account or digital gift cards when you earn and redeem points through the Macquarie Rewards program.
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.
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.
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.
The Macquarie Platinum gives you access to rewards, complimentary travel insurance, a concierge service and introductory bonus points.
This low-cost credit card has the same interest rate for purchases and cash advances, plus an introductory 0% p.a. balance transfer offer.
Thank you May,
But which ones are Macquarie Banks home network? If I use a Redi ATM will this incur fees?
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
When banking with Macquarie which ATM can I use that will not attract fees?
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
Hi – what banks/ providers still provide reward/QFF points for ATO payments?
Hi Sandy,
Thanks for your inquiry.
You may wish to refer on our comparison table for credit cards that lets you earn rewards points.
I hope this helps.
Cheers,
Debbie
I wish to return my unused Macquarie Credit Card so can you please advise where I should send the card to please?
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
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?
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
What is the minimum amount of income required to apply for a card?
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.