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Macquarie Black Card

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Receive 20,000 bonus Macquarie Reward Points when you meet the minimum spend requirement, plus receive complimentary insurances with the Macquarie Black Card.

Manage your expenses wisely and indulge in premium features with the Macquarie Black Card. This card offers Macquarie Rewards allowing you to earn points as you spend on your card. Plus, you’ll rack up a bonus 20,000 Macquarie Reward points when you spend $2,000 within 60 days of approval.

0% p.a.

Balance transfer rate

for 14 months


Bonus points

20.7% p.a.

Purchase rate


Reward points

Per $ spent (Visa/Mastercard)


Product NameMacquarie Black Card
Rewards programMacquarie Credit Card Rewards Program
Balance transfer rate0% p.a. for 14 months
Balance Transfer Revert RatePurchase Rate (20.7% p.a.)
Purchase rate (p.a.)20.7% p.a.
Annual fee$149 p.a.
Interest free period55 days
Cash advance rate (p.a.)20.7% p.a.
Min credit limit$15,000
Card typeVisa
Foreign currency conversion fee (Visa/Mastercard)0%
Complimentary travel insuranceYes
Minimum Income$70,000
Minimum age18 years of age
Available to temporary residentsNo
Joint applicationNo


  • 20,000 bonus points when you spend $2,000 within the first 60 days
  • Earn 2 Macquarie Reward points for every $1 spent
  • Complimentary overseas travel insurance and extended warranty on purchases


  • A high standard annual fee of $149
Rewards programMacquarie Credit Card Rewards Program
Bonus Points20,000 bonus points
Rewards Points per $ spent (Visa/Mastercard)2
Annual fee$149 p.a.
Minimum monthly repayment2.5% of the closing balance or $50, whichever is greater
Late payment fee$35
Foreign currency conversion fee (Visa/Mastercard)0%
Cash Advance Fee3% or $5, whichever is greater
Additional cardholder fee$0
Number of Additional Cardholders4

How to apply

If you've compared your options and decided to apply for this card, you can begin your online application by selecting the green "Go to Site" button. Before you apply though, make sure you've met the following eligibility requirements and have organised the necessary documents to improve your chances of approval.

Eligibility criteria

  • Applicants must be at least 18 years old to apply.
  • Only permanent residents of Australia can apply.

Card benefits

Some of the reasons you might want to consider the Macquarie Black Card include:

  • Bonus points offer. You'll receive 20,000 bonus points when you spend $2,000 within the first 60 days.
  • Macquarie Rewards. You can earn up to 2 Macquarie Reward points per $1 spent on eligible purchases. You can redeem from an extensive range of rewards.

Rates & fees

  • Annual fee. The card charges a standard annual fee of $149.
  • Additional cards. You can receive up to 4 additional cards for no extra annual fee.

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  1. Default Gravatar
    August 22, 2019

    Are these points transferable to airline awards, if so which ones exactly?

    Thank you

    • Avatarfinder Customer Care
      August 23, 2019

      Hi Richard,

      Thank you for getting in touch with Finder.

      Macquarie Reward Points are not transferable to any airline rewards program but can be used to book flights. You can redeem your Macquarie Reward Points through the Macquarie mobile app and Macquarie online page if you have a sufficient number of Macquarie Reward Points for your selected reward.

      I hope this helps.

      Thank you and have a wonderful day!


  2. Default Gravatar
    September 16, 2016

    What is MyCurrency personal shopper?
    And when does the $7 fee for information request apply as an example? Thanks

    • Avatarfinder Customer Care
      September 20, 2016

      Hi Mariella, thanks for your inquiry!

      The MyCurrency personal shopper service is a dedicated customer consultant that sources the reward you want from almost any vendor in Australia. It requires that you have a Macquarie Black Card or Macquarie Platinum Card and have accumulated 150,000 Macquarie Reward points. The value of the item requested must also be a minimum of $1,000.

      In regards to the $7 fee for information request can you clarify where you have seen this detail please?



    • Default Gravatar
      September 20, 2016

      In list of card fees and charges


    • Avatarfinder Customer Care
      September 22, 2016

      Hi Mariella thanks for the response, we can’t seem to find this detail on our end. Would you mind linking us to the page where this detail is outlined?



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