Credit cards

Approval is subject to Macquarie Card Services credit criteria. Terms and Conditions, fees and charges apply and are available upon request. Allow up to 10 working days to process your application.

Interest rates are variable, subject to change and to Macquarie Card Services credit criteria.

^{^} Up to $200,000 annually for Macquarie Visa Platinum cardholders, up to $130,000 annually for Macquarie Visa Gold cardholders. Rewards are subject to the Macquarie Bank Rewards Program Terms and Conditions. Reward points are not earned on cash advances or balance transfers.

^< The 5.99%pa interest rate applies to balances transferred onto the Macquarie Visa Platinum Card with this offer for the first nine months from the date your account is approved and then reverts to the standard variable interest rate for purchases, which is currently 20.95% for the Macquarie Visa Platinum Card. The 0%pa interest rate applies to balances transferred onto the Macquarie Visa Gold or Hilton Macquarie Platinum Card with this offer for the first six months from the date your account is approved and then reverts to the standard variable interest rate for purchases, which is currently 20.95% for each Card. Interest rates are subject to change and Macquarie Card Services credit criteria. Minimum repayments are required. Card repayments will be applied last to the repayment of transferred balances that are in the promotional interest rate period. For further details refer to the Balance Transfer Terms and Conditions.

⁺ You will earn 2 Qantas Frequent Flyer points per dollar spent on selected Qantas products and services in Australia, which are Qantas passenger flights (with a QF flight number) purchased directly from Qantas (i.e. where Qantas, and not its agent, is identified as the merchant on the credit card transaction) and Qantas Club and Qantas Frequent Flyer joining and annual fees. Purchases at Qantas Freight, Qantas Holidays, Qantas Business Travel, Jetset Travelworld channels, Qantas Staff Travel, the Jetstar Group of companies or goods or services supplied by QFF Program partners are not eligible Qantas products and services and will not earn bonus points. The bonus points earned each month will be credited to your Qantas Frequent Flyer account within five business days of each Statement Period provided that you are not in breach of the Conditions of Use, your Account remains open and you have provided Macquarie Card Services with a valid Qantas Frequent Flyer  number.

^> Macquarie Rewards and Qantas Frequent Flyer Rewards are separate programs. Account holders must opt-in to Qantas Frequent Flyer Rewards to earn Qantas Frequent Flyer points. Account holders who opt-in are not eligible to earn Macquarie Reward Points under Macquarie Rewards. Qantas Frequent Flyer points are earned in accordance with and subject to the Macquarie Bank Rewards Program Terms and Conditions, available at macquarie.com.au/cards. A non-refundable annual Qantas Frequent Flyer Rewards fee of $50 will apply, waived for the first year. You will earn 1 Qantas Frequent Flyer point for each dollar spent on eligible purchases, up to an annual maximum of $200,000 of spend. Points are not earned on cash advances, balance transfers or other restricted transactions. See the Macquarie Bank Rewards Program Terms and Conditions for details. Qantas Frequent Flyer points do not have any monetary value and are not transferable or redeemable for cash. Qantas Frequent Flyer points are issued by Qantas Airways Limited. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Frequent Flyer points. A joining fee may apply. Membership and the earning and redemption of points are subject to the Qantas Frequent Flyer program terms and conditions. Further information on the Qantas Frequent Flyer program including the terms and conditions of the program are available at qantas.com/frequentflyer or by calling 13 11 31.

^∆ Overseas Travel Insurance, Interstate Flight Inconvenience Insurance, Transport Accident Insurance, Purchase Security Insurance and Extended Warranty Insurance are underwritten by ACE Insurance Limited (ABN 23 001 642 020, AFS Licence No. 239687) (ACE) and are subject to the terms, conditions and exclusions contained in the Macquarie Bank Platinum Credit Card policy of insurance between Macquarie Bank Limited (ABN 46 008 583 542) (MBL) and ACE. This brochure doesn’t take into account your objectives, financial situation or needs. It is important for you to read Macquarie Credit Card Insurances Terms and Conditions available by calling 1300 150 300 and consider the appropriateness of that insurance in relation to your individual requirements.

^° Up to 55 days interest free on purchases only applies if your Account is paid in full by the due date each month (including any balance transfers).