Macquarie Credit Union Visa Credit Card

Get an introductory rate on balance transfers for the first 6 months and a low annual fee of $30.

The Macquarie Credit Union Visa credit card offers an introductory 6.95% p.a. on balance transfers for the first 6 months.

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6.95% p.a.

Balance transfer rate

for 6 months

6.95% p.a.

Purchase rate

for the first 6 months (reverts to 12.99% p.a.)

$30 p.a.

Annual fee

55 days

Interest free period

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Product NameMacquarie Credit Union Visa Credit Card
Balance transfer rate6.95% p.a. for 6 months
Balance transfer revert rateCash Advance Rate (12.99% p.a.)
Purchase rate6.95% p.a. for 6 months, reverts to 12.99% p.a.
Annual fee$30
Interest-free periodUp to 55 days on purchases
Cash advance rate12.99% p.a.
Min credit limit$1,000
Max credit limit$10,000
Card typeVisa
Foreign currency conversion fee3.5%
Available to temporary residentsNo
Joint applicationYes


  • 6.95% p.a. introductory rate for the first 6 months on balance transfers
  • Up to 55 days interest-free on purchases
  • Get an additional cardholder for $0.


  • This card is not linked to any rewards program.
Bonus pointsN/A
Annual fee$30
Minimum monthly repayment5% of the closing balance or $20, whichever is greater
Late payment fee$0
Foreign currency conversion fee3.5%
Cash advance fee$4
Additional cardholder fee$0
Number of additional cardholders3

Review by

Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

The Macquarie Credit Union Visa is a low-cost credit card that offers simple features and one of the lowest annual fees on the market at $30. Unlike most credit cards, it also offers up to 55 days interest free on purchases each month – even if you don’t pay the full closing balance by the due date on your statement.

How to apply

You can apply for the Macquarie Credit Union Visa credit card online in around 15 minutes when you meet the following criteria and have all the documents and details outlined below.

Eligibility criteria

  • Income. You must be currently employed and/or receive a regular income.
  • Residency. You must be an Australian citizen or permanent resident.

Card benefits

  • Balance transfer offer. This card offers a 6.95% p.a. introductory interest rate for balance transfers. At the end of the introductory period, any remaining balance transfer debt will attract the card’s 12.99% p.a. interest rate.
  • Up to 55 days interest-free. This card offers up to 55 days interest-free on all your purchases. The interest-free period begins at the start of your statement period and ends on the closing date for that statement. This means the number of interest-free days available will depend on when in your statement cycle a purchase is made. If you carry a balance after the due date on your statement, interest will apply from the due date (not the date the purchase was made).

Rates & fees

  • Annual fee. The low $30 annual fee on this card is charged when you first open your account, then each year around the anniversary of that date.
  • Additional cardholder. If you want to share this account with your partner or a family member, you can get 3 additional cardholders for free. Note that you will still be responsible for managing the account.

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