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.

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Macquarie Bank

Key takeaways

  • Macquarie Bank operates as a global business in over 25 countries. In Australia, Macquarie Bank offers customers an array of financial services and products, including credit cards.
  • You must be a Macquarie customer to apply for their credit cards.
  • Earn Macquarie Rewards Points on spending, redeemable for cashback, gift cards, or frequent flyer points.
  • Some cards offer features like no international transaction fees and easy management through the mobile app.

Compare credit cards from Macquarie Bank

Purchase rate p.a. Annual fee Balance transfer rate p.a. Amount Saved
Macquarie RateSaver Card image
Purchase rate p.a.
15.95%
Annual fee
$69
Balance transfer rate p.a.
N/A
Only available to customers with Macquarie Bank home loans. Receive no foreign transaction fees and up to 55 days interest-free on purchases. Plus, exclusive offers from Visa Offers + Perks.
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Macquarie Platinum Card image
Macquarie Platinum Card
Macquarie Credit Card Rewards Program
Purchase rate p.a.
20.7%
Annual fee
$149
Balance transfer rate p.a.
N/A
Only available to customers with Macquarie Bank home loans. Save with 0% international transaction fees on purchases. Plus, earn up to 1 point per $1 spent.
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Macquarie Black Card image
Macquarie Black Card
Macquarie Credit Card Rewards Program
Purchase rate p.a.
20.7%
Annual fee
$249
Balance transfer rate p.a.
N/A
Only available to customers with Macquarie Bank home loans. Get 2 points per $1 spent and complimentary travel insurance. Plus, 0% foreign transaction fees.
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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

You can access the Macquarie Bank service centre at any time by calling (02) 8232 3333.

Reward points

The Macquarie Platinum and Macquarie Black credit cards both offer Macquarie Rewards points per $1 on eligible spending. You can redeem these points for eGift cards at eligible retailers including Woolworths, Bunnings Warehouse, JB Hi-Fi and Amazon.

Visa benefits

Macquarie credit cards offer worldwide acceptance though the Visa network. You'll also get access to exclusive offers on shopping, dining, travel and more through Visa Offers + Perks.

How to apply for a Macquarie credit card

Applying for a credit card online is fast and easy. You'll need to be at least 18 years of age and meet the card's eligibility criteria. For more about eligibility, the kinds of documentation you'll need and the factors that can affect whether your card application is approved, check out our full guide to applying for a credit card.

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.

Sources

Sally McMullen's headshot
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Journalist

Sally McMullen is a journalist with five years of experience covering credit cards and consumer finance. As co-host of the Two Broke Chicks podcast and co-author of Rich In Life, Sally shares valuable money-saving tips and life lessons with her audience. Sally was a Credit Cards Editor at Finder from 2015 to 2020. See full bio

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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?

      Default GravatarFinder
      MayApril 11, 2016Finder

      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

    Default Gravatar
    ChristineApril 11, 2016

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

      Default GravatarFinder
      MayApril 11, 2016Finder

      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

    Default Gravatar
    SandyFebruary 24, 2016

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

      Default GravatarFinder
      DebbieFebruary 24, 2016Finder

      Hi Sandy,

      Thanks for your inquiry.

      You may wish to refer on our comparison table of which credit cards can earn reward or frequent flyer points when you pay your tax bill. including their points per $1 for government charges.

      Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you.

      I hope this helps.

      Cheers,
      Debbie

    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?

      Default GravatarFinder
      DebbieDecember 9, 2015Finder

      Hi Peter,

      Thank you for your inquiry.

      You can contact a Macquarie customer service representative directly by calling the number at the back of your credit card or going over to the Macquarie Bank website and access their contact us page.

      For other information on how to cancel a credit card, please go through our step-by-step guide to closing your credit card account.

      I hope this helps.

      Cheers,
      Debbie

    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?

      Shirley Liu's headshotFinder
      ShirleySeptember 10, 2014Finder

      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 from our list of balance transfer credit card. On the page is a comparison table you can use to see which card suits you. Please press the ‘Go to site’ button of your preferred card to apply.

      Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions.

      Cheers,
      Shirley

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