Macquarie Credit Union Credit Cards

Macquarie Credit Union

Macquarie Credit Union lets you enjoy a convenient line of credit while you save with a low ongoing rate

A group of Macquarie County Council electricity workers came together to form the Macquarie Credit Union.
It merged with Dubbo Municipal Council Employees Credit Union in 1974, with Warren Shire Council Employees Credit Union in 1980, and with Dubbo Post-Tel Credit Union in 2003.

A significant consolidation of its branding took place in 2013, after which this credit union began offering membership to everybody in the Dubbo local government area. Macquarie Credit Union has more than 6,000 members and around $86.5 million in assets. It offers its members a variety of financial services and products like loans, deposit accounts, debit and credit cards, insurance solutions and business banking solutions.

Compare Credit Cards from Macquarie Credit Union

Rates last updated May 23rd, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Macquarie Credit Union Visa Credit Card
Receive a balance transfer offer for the first 6 months, 55 days interest free on purchases and low interest rate.
13.54% p.a. 6.95% p.a. for 6 months $15 p.a. More info

Types of Credit Cards That Macquarie Credit Union Offers

While Macquarie Credit Union offers just one type of credit card, you can use this card to good effect in different situations.

  • Low rate credit cards

Getting a low rate credit card can prove beneficial if paying outstanding balances in full each month is not how you operate. The Macquarie Credit Union Visa Credit Card, apart from it low ongoing rate, comes with an even lower introductory rate for 6 months on balance transfers. When used in the right manner, this card can give you up to 55 interest-free days on purchases. It charges a nominal annual fee, and unlike many other cards, it charges the same interest rate for purchases as well as cash advances.

Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate (p.a.) Product Description
Macquarie Credit Union Visa Credit Card
13.54% p.a.
Up to 55 days on purchases
$15 p.a.
6.95% p.a. for 6 months
Receive a balance transfer offer for the first 6 months, 55 days interest free on purchases and low interest rate.

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
Save with 13.25% p.a. on purchases. Also enjoy exclusive offers with the home&Away Privilege Program.
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
Save with 13.24% p.a. on purchases. Also enjoy up to 55 days interest-free.
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
A low interest rate on everyday purchases and a long term balance transfer rate offer of 0% for 24 months.
St.George Vertigo Platinum
12.74% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 20 months
Save with 12.74% p.a. on purchases. Also enjoy Visa Platinum Concierge service.
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
Save with 13.99% p.a. on purchases. Also enjoy access to 7 complimentary insurances.
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
Take advantage of 0% p.a. for 16 months on balance transfers and a low ongoing interest rate on purchases.
Bendigo Bank Basic Black Credit Card
12.24% p.a.
Up to 44 days on purchases
$45 p.a.
A basic credit card that features low interest rates, low annual fee and up to 44 interest-free days on purchases.
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. Also repay your credit card debt interest-free with 0% p.a. for 16 months on balance transfers.
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
Save with 13.99% p.a. on purchases. Also enjoy special offers from Visa Entertainment.
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
Enjoy a low balance transfer offer of 0% p.a. for 14 months and a low ongoing purchase rate from BankSA.
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
A no annual fee card that collects up to 1 Membership Rewards point for every $1 spent.
Bank of Melbourne Vertigo Platinum
12.74% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 20 months
Save with 12.74% p.a. on purchases. Also enjoy up to 55 days interest-free.
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
Save with 11.99% p.a. on purchases. Also enjoy the protection of Fraudshield.
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
A simple low interest rate card featuring a low ongoing rate on purchases, up to 55 days interest-free on purchases and a low annual fee.
Heritage Bank Gold Low Rate Credit Card
11.80% p.a.
0 interest free days
$0 p.a.
0% p.a. for 12 months
Save with 11.8% p.a. on purchases. Also enjoy $0 annual fee.
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.

Compare up to 4 providers

Learn more about low rate credit cards

Benefits of Banking with Macquarie Credit Union

When you deal with Macquarie Credit Union you can look forward to paying reduced fees and charges than when compared to a conventional bank. There’s more to look forward to if you get a Macquarie Credit Union credit card.

  • Refer members and earn cash

When you, as a Macquarie Credit Union member, refer your family members and friends to this credit union, you can end up earning cash rewards. If someone you refer joins this credit union you will receive a cash reward, and the individual in question also stands to receive the same amount by fulfilling a few basic requirements. If the individual starts a term deposit or gets a home or personal loan within the first three months, you stand to receive more money.

  • Dynamic Sweep facility

When you get a Macquarie Credit Union credit card you can link your other Macquarie Credit Union accounts to your card by setting up a Dynamic Sweep facility. This can help minimise the number of cards you carry.

  • Use your card anytime, anywhere

Your Macquarie Credit Union credit card comes with a Visa association, so you can use it just about anywhere in the world. You can turn to any EFTPOS terminal or ATM that displays the Visa logo, and you can also use your card to make purchases over the phone and online. You can also use this card for online and over-the-phone bill payments.

  • 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.

  • Secure online shopping

When you use this card to make online transactions, Verified by Visa works in assessing the risk of every transaction. If any activity seems out of the ordinary, you'll have to confirm certain personal details to proceed.

How to apply for a Macquarie Credit Union credit card

To apply, you can visit the Macquarie Credit Union branch, or call and speak to a Macquarie Credit Union representative directly. You can download an application and mail, fax, or email it once completed. You can also submit an online application. To apply online or to download an application, click on the ‘Go to Site’ button next the card’s description. You have to meet the following eligibility criteria to apply:

  • You are over 18 years of age
  • You are a permanent resident of Australia
  • You have good credit history

The application can take around 15 minutes to complete and requires that you provide a host of information, which includes the following:

  • Personal details. Mention if you’re an existing member and provide your name, date of birth, marital status, number of dependants and driver’s license number.
  • Contact details. Provide your home phone number, other phone numbers, email address, home address, residential status, time in your current residence and your mailing address.
  • Employment. This section requires your occupation, your employment status, your employer’s name and contact details and the length of time you've been employed.
  • Debt. Mention if you’ve ever been bankrupt, and if so, provide details.
  • Income. This includes your wages as well as income from other sources.
  • Monthly expenses. This section requires a detailed breakdown of how much you spend towards rent, mortgage repayments, car loans, personal loans, credit cards, and all other forms of debt.
  • Assets. Here, you have to provide the monetary value of any real estate you own along with the value of your motor vehicles, savings, investments and household goods. You also have to provide information surrounding their insurance covers.

After you apply

After you submit your application, Macquarie Credit Union aims to get in touch with you within 48 hours. There is a possibility you might have to provide additional information. An income verification call going to your place of employment is part of the process. If you’re not a Macquarie Credit Union member, you’ll have to become one in order to receive your Macquarie Credit Union credit card. New members, owing to a Federal requirement, have to go through an identity verification process.

Frequently asked questions

You might have certain questions about Macquarie Credit Union credit cards, so listed below are answers to commonly asked ones. If you question isn't listed, use the form of the end of the page to ask a member of our team.

You can apply for membership by visiting the Macquarie Credit Union branch and you can apply online.

Yes, you can save your credit card application in between. You have to provide your email address which Macquarie Credit Union uses to send a unique PIN, and you use this PIN to access you partially completed application later.

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, and its approval depends on you meeting certain credit criteria.

Macquarie Credit Union issues a monthly credit card statement, which provides details about your available credit limit, outstanding balance, purchases, cash advances, fees and due date. You can also access these details via phone and online banking.

You can set up automatic payments via payroll deduction or through direct debits using a savings or transaction account. You can make payments via online and phone banking, and you can make payments in person at the Macquarie Credit Union branch or through Bank@Post. Mailing payments via cheques is always an option.

You can get a free additional card for your partner, family member, or any other dependant aged over 16 years. Keep in mind they need to fulfil the 100-point check identification criteria. You can request one over the phone or by visiting the Macquarie Credit Union branch.

You should call the Visa hotline immediately, and then call Macquarie Credit Union to request for a replacement card.

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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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Credit Cards Comparison

Rates last updated May 23rd, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Take advantage of 0% p.a. for 18 months on balance transfers with a 1.5% BT fee. Plus, receive an exclusive $129 Virgin Australia Gift Voucher each year.
20.74% p.a. 0% p.a. for 18 months with 1.5% balance transfer fee $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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