Macquarie Bank Credit Cards

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

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.

Compare credit cards from Macquarie Bank

Rates last updated May 29th, 2017.

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

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.

Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate (p.a.) Product Description
Macquarie RateSaver Card
15.95% p.a.
Up to 55 days on purchases
$69 p.a.
0% p.a. for 14 months
Enjoy a 0% p.a. interest rate on balance transfers for 14 months and a low interest rate 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
Enjoy exclusive offers with the home&Away Privilege Program, and the ability to pay with Apple Pay.
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
Receive exclusive ticket and lifestyle offers through Visa Entertainment and the security of Falcon Fraud protection.
St.George Vertigo Platinum
12.74% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 20 months
Features platinum insurance covers including Extended Warranty, Price Guarantee and Purchase Cover Insurance.
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
Offers a long term balance transfer rate of 0% for 24 months and up to $25 off your first Uber ride.
Bendigo Bank Basic Black Credit Card
12.24% p.a.
Up to 44 days on purchases
$45 p.a.
A basic low fee, low ongoing rate card that calculates interest from the monthly statement date.
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.
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
Includes four complimentary travel insurances, concierge service and complimentary purchase insurance covers.
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
Get peace of mind with ANZ Falcon security protection and Mastercard's Zero Liability Guarantee.
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
Take advantage of overseas travel insurance, purchase cover insurance, price guarantee cover and extended warranties.
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
Gain access to Visa Global Customer Assistance Services and add an additional cardholder at no cost.
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
Earn 1.00 Membership Rewards point per $1 spent and receive a $50 credit when you meet the eligibility criteria.
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
Choose to get the protection of CreditShield Edge and enjoy the convenience of Visa PayWave.
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
Get an additional cardholder at no extra cost and take advantage of Visa PayWave and Samsung Pay.
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
Add one additional cardholder at no extra cost and enjoy the protection of secure shopping and fraud monitoring.

Compare up to 4 providers

Learn more about Low Rate Credit Cards
  • Rewards credit cards

Macquarie Bank currently offers cards linked to the Qantas frequent flyer program, Hilton HHonors 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.

Rates last updated May 29th, 2017
Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) 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.
4 0 $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.
1.25 0 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 May 29th, 2017
Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Bonus Points Annual fee
NAB Rewards Platinum Card
Earn 1 NAB Rewards Point per $1 spent and receive double points on purchases made in major department and hardware stores.
1 80,000 bonus points $0 p.a. annual fee for the first year ($195 p.a. thereafter) Go to site More info
ANZ Frequent Flyer Black
Receive 75,000 bonus Qantas Points when you spend $2,500 on eligible purchases within the first 3 months, plus earn up to 1 point for every dollar spent on eligible purchases. Also, earn 75 Bonus Status Credits when you apply by 30 June 2017, buy and fly return with Qantas by 30 September 2017.
1 75,000 bonus points $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
Citi Rewards Platinum Credit Card
Consolidate your debt with a low balance transfer offer of 0% p.a. for 24 months and a host of platinum privileges. Earn 1 Citi Reward Points for every $1 spent on eligible domestic and international spend.
1 0 $49 p.a. annual fee for the first year ($149 p.a. thereafter) Go to site More info
HSBC Platinum Qantas Credit Card
Fly faster with up to 1 Qantas Point per $1 spent and receive bonus Qantas Points on selected Qantas products, services and partners.
1 0 60,000 bonus points $199 p.a. Go to site More info
American Express Explorer® Credit Card
Earn up to 2 Membership Rewards Points per $1 spent and receive a $400 Travel Credit every year.
2 50,000 bonus points $395 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.
1 0 $99 p.a. Go to site More info
St.George Amplify Signature
Receive up to 90,000 bonus Amplify points on eligible spend and earn up to 3 reward points per $1 spent on eligible purchases.
1.5 0 90,000 bonus points $279 p.a. Go to site More info
ANZ Rewards Platinum
Earn up to 50,000 bonus Reward Points when you spend $2,500 in the first 3 months plus $0 in the first year.
1.5 50,000 bonus points $0 p.a. annual fee for the first year ($95 p.a. thereafter) Go to site More info
Bank of Melbourne Amplify Platinum - Qantas Rewards
Fly faster with up to 1.000 Qantas Point per $1 spent and receive complimentary overseas travel insurance.
0.5 0 60,000 bonus points $99 p.a. Go to site More info
St.George Amplify Platinum - Amplify Qantas
Fly faster with up to 1 Qantas Point per $1 spent and receive complimentary overseas travel insurance.
0.5 0 60,000 bonus points $99 p.a. Go to site More info
American Express Velocity Platinum Card
Take off sooner with up to 2.5 Velocity Points per $1 spent and receive a complimentary Virgin Australia return domestic flight every year.
0 1.5 100,000 bonus points $375 p.a. Go to site More info
St.George Amplify Signature - Amplify Qantas
Fly faster with up to 1.5 Qantas Points per $1 spent and receive 2 complimentary Qantas Lounge Passes.
0.75 0 90,000 bonus points $279 p.a. Go to site More info
ANZ Rewards Black Credit Card
This card offers 75,000 bonus points when you spend $2,500 on eligible purchases in the first 3 months from approval and $0 annual fee for the first year. Earn up to 2 reward points per $1 spent and unlimited access to airport lounges with complimentary travel insurance.
2 75,000 bonus points $0 p.a. annual fee for the first year ($375 p.a. thereafter) Go to site More info
Bank of Melbourne Amplify Signature - Amplify Qantas
Fly faster with up to 1.500 Qantas Point per $1 spent and receive 2 complimentary Qantas Lounge Passes.
0.75 0 90,000 bonus points $279 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 within the first 3 months, plus a $129 Virgin Australia Gift Voucher each year.
0.66 0 $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
BankSA Amplify Signature - Amplify Qantas
Fly faster with up to 1.5 Qantas Points per $1 spent and instantly become a Visa Luxury Hotel Collection member.
0.75 0 $279 p.a. Go to site More info
NAB Rewards Classic Card
Earn 0.75 NAB Rewards Point per $1 spent and receive complimentary purchase protection insurance.
0.75 40,000 bonus points $0 p.a. annual fee for the first year ($95 p.a. thereafter) Go to site More info
BankSA Amplify Platinum - Amplify Qantas
Fly faster with up to 1 Qantas Point per $1 spent and receive complimentary overseas travel insurance.
0.5 0 $99 p.a. Go to site More info
Westpac Altitude Black
Earn up to 3 Altitude Points per $1 spent and enjoy up to four complimentary airport lounge visits each year.
1.25 3 80,000 bonus points $195 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
BankSA Amplify Platinum
Earn up to 2 Amplify Rewards Points per $1 spent and receive complimentary travel insurance.
1 $99 p.a. Go to site More info
Learn more about Rewards Credit Cards
  • 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.

Rates last updated May 29th, 2017
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 May 29th, 2017
Points per $ spent Complimentary Travel Insurance 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.
1 Yes 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.
VISA/MC: 1 AMEX: 0 Yes 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.
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
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.
VISA/MC: 1 AMEX: 0 Yes 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.
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
NAB Premium Card
Platinum credit card benefits including higher credit limits and travel insurance, plus a low interest rate on balance transfers.
VISA/MC: 0 AMEX: 0 Yes 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.
1.5 Yes 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.
VISA/MC: 1 AMEX: 0 Yes 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.
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
St.George Vertigo Platinum
Take advantage of a 0% p.a. for 20 months on balance transfers offer with no balance transfer fee.
VISA/MC: 0 AMEX: 0 Yes 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.
0.75 Yes 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.
VISA/MC: 0 AMEX: 0 No 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.
No 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.
Yes 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.
Yes 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.
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
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.
1.5 Yes 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.
1.5 Yes 18.79% p.a. $0 p.a. annual fee for the first year ($95 p.a. thereafter) 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.
VISA/MC: 0 AMEX: 0 Yes 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
Bankwest Zero Platinum Mastercard
A low cost platinum card with $0 foreign transaction fee and complimentary purchase and travel insurance.
VISA/MC: 0 AMEX: 0 Yes 17.99% p.a. 2.99% p.a. for 9 months $0 p.a. 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, higher earn reward points rates and concierge services.

Rates last updated May 29th, 2017
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 May 29th, 2017
Points per $ spent Complimentary Travel Insurance Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
ANZ Frequent Flyer Black
Earn 75 Bonus Status Credits when you apply by 30 June 2017, buy and fly return with Qantas by 30 September 2017.
1 Yes 19.99% p.a. $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
American Express Explorer® Credit Card
Receive a $400 travel voucher and two complimentary American Express Lounge passes each 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 Black Credit Card
Receive access to participating Véloce airport lounges outside of Australia and a personal 24/7 concierge.
2 Yes 18.79% p.a. $0 p.a. annual fee for the first year ($375 p.a. thereafter) Go to site More info
Westpac Altitude Black
A credit card that lets you choose between Altitude or Qantas Points. Receive dedicated concierge services and complimentary Priority Pass access.
VISA/MC: 1.25 AMEX: 3 Yes 20.24% p.a. $195 p.a. annual fee for the first year ($395 p.a. thereafter) 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.
VISA/MC: 0 AMEX: 0 No 12.24% p.a. $45 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 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 Hhonors 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.

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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.

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

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

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

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

You earn reward points when you use your black or platinum card to make eligible transactions. Eligible transactions exclude cash advances, balance transfers, GST or government charges, payments to the Australian Tax Office, interest and other bank fees, BPAY payments or gambling transactions. 

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

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

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

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.

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Read more on this topic

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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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 May 29th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Exclusive Offer
Earn 2 Velocity Points on top of the standard earn rate per $1 spent within the first 3 months, plus a $129 Virgin Australia Gift Voucher each year.
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
HSBC Platinum Credit Card
Earn 1 Reward Point per $1 spent and receive an annual fee refund with minimum spend.
19.99% p.a. 0% p.a. for 22 months with 2% balance transfer fee $99 p.a. 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
An introductory rate of 0% p.a. for 24 months on balance transfers combined with premium benefits such as travel insurance covers.
19.74% p.a. 0% p.a. for 24 months with 3% balance transfer fee $90 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.

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