Macquarie Bank Credit Cards

Compare credit cards from Macquarie Bank

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Purchase rate p.a.	Annual fee	Balance transfer rate p.a.	Amount Saved
Macquarie RateSaver Card	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.	ContinueMore info Compare product selection Compare	loading
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.	ContinueMore info Compare product selection Compare	loading
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.	ContinueMore info Compare product selection Compare	loading

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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.

• 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 buyer's advantage cover, interstate flight inconvenience insurance and overseas travel insurance.

• How do I earn reward points?

  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.

• 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.

• 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. Redeeming Hilton Honors points presents you with options such as staying at Hilton hotels, dining in their restaurants and making purchases.

Written by

Sally McMullen

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