Macquarie Credit Union offers one Visa credit card with simple, low-cost features including an introductory rate for balance transfers, cash advances and purchases. Find out all the features and rates available with the Macquarie Credit Union Visa Credit Card, available to members.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
The Macquarie Credit Union Visa is a low rate credit card that offers a low ongoing rate of 12.99% as well as an introductory rate of 6.95% which applies to balance transfers, purchases and cash advances. The introductory rate stays in place for 6 months. This card comes with an annual fee of $30.
Benefits you get with a Macquarie Credit Union credit card
Some of the features you can expect when you bank with Macquarie Credit Union include:
Low minimum credit limit
The card comes with a low minimum credit limit of $1,000 and you can apply for as much as $10,000.
Balance transfers
If you have outstanding balances on other credit cards that attract higher rates of interest, you can consider transferring those balances to this credit card. You can take advantage of a discounted balance transfer rate and any outstanding balance at the end of this period starts attracting the card's low ongoing rate.
Introductory rates on most transactions
The introductory rate of 6.95% applies for 6 months across purchases, balance transfers and cash advances.
Visa benefits
You can use the Macquarie Credit Union Visa credit card to make payments in-person, online or over the phone, anywhere Visa is accepted. You also get access to exclusive deals on shopping, dining, entertainment and travel through Visa Offers + Perks.
Card security
Your account is protected against fraudulent transactions through Visa's Zero Liability Policy. If your card is lost or stolen, you can also call the 24/7 Visa security hotline on 1800 648 027.
Banking options
Macquarie Credit Union offers Internet banking, mobile banking, branch banking services and phone banking on 1300 885 480.
How to apply for a Macquarie Credit Union credit card
You can apply for a Macquarie Credit Union credit card online by filling in a secure application form. To get started, make sure you meet the following eligibility criteria and have all the documents and details you need to complete the application.
Eligibility criteria
Australian residency status. You must be an Australian citizen or permanent resident of Australia to apply for a credit card from Macquarie Credit Union.
Income. You must be employed or receive a regular income.
Credit history. You must not have declared bankruptcy or insolvency. You also must not have any defaults listed on your credit history for loans, credit cards, store cards or interest-free finance accounts.
Age. You must be at least 18 years of age.
Membership. You need to be a member of Macquarie Credit Union to open an account. If you're not an existing member, you can join by paying a $10 share fee. To be eligible to join, you must be a resident of Dubbo, Narromine, Gilgandra, Warren, Cobar, Coonamble or Nyngan local government areas. You can also join if you are an employee or family member of an employee at one of the following businesses or organisations:
Australia Post
Auscott Ltd
Essential Energy
Telstra
Macquarie Credit Union Limited
Any NSW or ACT local government council, state government department or federal government department or authority (including in health care, ambulance and fire authorities)
Documents and details
Personal details. This includes whether you are an existing member, as well as your name, date of birth, marital status, number of dependants and contact details. You also have to provide your driver’s licence number or another valid form of ID.
Employment. This section covers your salary, occupation, employment status and your employer’s name and contact details.
Financial details. You should provide details of any other forms of income, along with any assets and savings. You also need to share details of existing debts, credit accounts and your share of regular household expenses.
After you submit your application, Macquarie Credit Union will assess your application and get in touch. If you have any questions about your application or want to check on its status, call the credit union on 1300 885 480.
Credit card brands similar to Macquarie Credit Union
If you're looking for a low rate credit card option from a credit union or member-owned bank similar to Macquarie Credit Union, you can consider the following options:
You might have certain questions about Macquarie Credit Union credit cards, so listed below are answers to commonly asked ones. If your question isn't listed, use the form at the end of the page to ask a member of our team.
The minimum and maximum credit limits of the Macquarie Credit Union Visa Credit Card are $1,000 and $10,000, respectively. The credit limit assigned to you depends on your ability to make repayments.
Yes, you can request an increase in your card’s credit limit by submitting an application. Your credit limit increase will be subject to lending criteria and assessment.
Macquarie Credit Union issues a monthly credit card statement, which provides details about your available credit limit, outstanding balance, transactions and fees, as well as the payment due date and different ways to pay. You can also access your account details via phone and online banking.
Macquarie Credit Union gives you the following ways to make credit card payments:
Payroll deduction
Direct debit from your savings or transaction account
Internet or telephone banking transfer
At its Head Office
Bank@Post
You can get a free additional card for your partner, family member, or any other dependant aged over 16 years.
Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald.
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