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Credit card comparison

FEES AND RATES	Macquarie Visa Platinum Card^#	Hilton Macquarie Visa Platinum Card^"	Macquarie Visa Gold Card^#	Macquarie Visa Ratesaver Card^#
Annual fee	$200	$295	$130	$69
Additional cardholder fee	Up to 4 free for Founding Members	$195	$30	$10
Interest free days on purchases*	Up to 55 days	Up to 55 days	Up to 55 days	Up to 55 days
Standard interest rate (APR) on purchases**	20.95% p.a	20.95% p.a	20.95% p.a	14.95% p.a.
Standard interest rate (APR) on cash**	21.95% p.a.	21.95% p.a.	21.95% p.a.	21.95% p.a.
Balance transfer rate (new customers)	0%^ p.a. on balance transfers for 6 months	0%^ p.a. on balance transfers for 6 months	0%^^ p.a. on balance transfers for 6 months	0%^^^ p.a. on balance transfers for 4 months

REWARDS PROGRAM ±	Macquarie Visa Platinum Card^#	Hilton Macquarie Visa Platinum Card^"	Macquarie Visa Gold Card^#	Macquarie Visa Ratesaver Card^#
Rewards program available	Yes	Yes	Yes	No
Name of rewards program	Macquarie Bank Rewards	Macquarie Bank Rewards	Macquarie Bank Rewards	N/A
Points earned per dollar spent	1.25 points per $1 spent	1.25 points per $1 spent	1 point per $1 spent	N/A
Bonus partners for earning additional points	Yes	Yes	Yes	N/A
Personal shopper service	Yes	Yes	No	N/A
Points cap	$200,000 spend per annum	$200,000 spend per annum	$130,000 spend per annum	N/A
Points expiry	No expiry	No expiry	No expiry	N/A

OTHER BENEFITS	Macquarie Visa Platinum Card^#	Hilton Macquarie Visa Platinum Card^"	Macquarie Visa Gold Card^#	Macquarie Visa Ratesaver Card^#
Unique benefits	Founding Member status providing invitations to Macquarie market update seminars.	Hilton Hotel benefits¤, including: 20% off accommodation rates 20% off room charges 20% off hotel restaurants & bar Yearly $99 stay Invitations to exclusive Hilton Premium Club member-only events	N/A	N/A
Personal concierge service	Yes	Yes	No	No
Macquarie Privileges discount program	Yes	No	Yes	Yes
Macquarie's research insights	Yes	Yes	Yes	Yes
Visa Platinum benefits	Yes	Yes	No	No
Visa Entertainment	Yes	Yes	Yes	Yes
Customer service	24 hours, 7 days (call 1300 150 300)	24 hours, 7 days (call 1300 150 300)	24 hours, 7 days (call 1300 150 300)	24 hours, 7 days (call 1300 150 300)
Contactless payment facility	Yes - Visa payWave	Yes - Visa payWave	No	No
Global acceptance	29 million merchants and over 1 million ATMs across 200 countries	29 million merchants and over 1 million ATMs across 200 countries	29 million merchants and over 1 million ATMs across 200 countries	29 million merchants and over 1 million ATMs across 200 countries

COMPLIMENTARY INSURANCES¥	Macquarie Visa Platinum Card^#	Hilton Macquarie Visa Platinum Card^"	Macquarie Visa Gold Card^#	Macquarie Visa Ratesaver Card^#
Overseas travel insurance	Yes	Yes	Yes	No
Interstate flight inconvenience cover	Yes	Yes	No	No
Transport accident insurance	Yes	Yes	Yes	No
Purchase security insurance	Yes	Yes	Yes	No
Extended warranty insurance	Yes	Yes	Yes	No

SECURITY	Macquarie Visa Platinum Card^#	Hilton Macquarie Visa Platinum Card^"	Macquarie Visa Gold Card^#	Macquarie Visa Ratesaver Card^#
Zero liability on purchases^Λ	Yes - cardholders are not held liable for unauthorised purchases	Yes - cardholders are not held liable for unauthorised purchases	Yes - cardholders are not held liable for unauthorised purchases	Yes - cardholders are not held liable for unauthorised purchases
Chip enabled card	Yes	Yes	Yes	Yes
Identity theft toolkit available	Yes	Yes	Yes	Yes

OPTIONAL EXTRAS	Macquarie Visa Platinum Card^#	Hilton Macquarie Visa Platinum Card^"	Macquarie Visa Gold Card^#	Macquarie Visa Ratesaver Card^#
Secure Sentinel loss assistance and retrieval service~	Yes	Yes	Yes	Yes
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Macquarie Visa Platinum Cardholders are automatically entitled to Founding Member status, giving you access to Macquarie financial insights and market updates.

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First class features. Exceptional service. Macquarie Visa Platinum Card

Any advice contained in this website is general advice only and has been prepared without considering your objectives, financial situation or needs. You should not rely on any advice contained in this website and before making any investment decision we recommend that you consider whether it is appropriate to your situation and seek appropriate financial, taxation and legal advice. We recommend that you read our Financial Services Guide before deciding whether to obtain financial services from us. If an offer document is available for a product referred to on this site, you should read it before making any investment decision. Information on this website is intended for residents of Australia only.

Except for Macquarie Bank Limited (MBL) (Australian Credit Licence (ACL) 237502) ABN 46 008 583 542, any Macquarie entity referred to on this page is not an authorised deposit-taking institution for the purposes of the Banking Act 1959 (Cth). That entity’s obligations do not represent deposits or other liabilities of MBL. MBL does not guarantee or otherwise provide assurance in respect of the obligations of that entity, unless noted otherwise.

# 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.

"Hilton Macquarie Platinum Card is issued by Macquarie Card Services a division of Macquarie Bank Limited ABN 46 008 583 542 (MBL) which provides and administers credit. Approval is subject to Macquarie Card Services credit criteria. Terms and Conditions apply and are available upon request. Fees and charges may apply. Allow up to 10 working days to process your application. Credit Card payments relating to Australian Hilton Hotels incur a merchant service fee of 1.5% in addition to the total amount payable.

*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).

** Rates are variable, subject to change and Macquarie Card Services credit criteria.

^ Transferred balances will be repaid first. Discounted interest rate applies to the balance transferred for the first 6 months from the date your account is approved, and then reverts to the standard variable interest rate for purchases. The standard variable interest rate is currently 20.95% pa for purchases, which is subject to change and Macquarie Card Services credit criteria.

^^ Transferred balances will be repaid first. Discounted interest rate applies to the balance transferred for the first 6 months from the date your account is approved, and then reverts to the standard variable interest rate for purchases. The standard variable interest rate is currently 20.95% pa for purchases, which is subject to change and Macquarie Card Services credit criteria

^^^ Transferred balances will be repaid first. Discounted interest rate applies to the balance transferred for the first 4 months from the date your account is approved, and then reverts to the standard variable interest rate for purchases. The standard variable interest rate is currently 14.95% pa for purchases, which is subject to change and Macquarie Card Services credit criteria.

± Rewards are subject to the Macquarie Bank Rewards Program Terms and Conditions. Reward points are not earned on cash advances or balance transfers.

¤ At any participating Hilton Hotel in Australasia, members are entitled to: 20% off any published, promotional, weekend or seasonal consumer accommodation rate; 20% off room charges (hotel facilities/services only); 20% off the total restaurant and bar account (including alcohol). Australasia refers to Australia, New Zealand, Fiji and French Polynesia. Yearly $99 stay valid for one night’s accommodation in a standard or Hilton Guest Room, room only. Subject to availability. Card is not transferable and must be presented to redeem benefits. No further discounts apply. Card is not replaceable if lost or stolen. Card cannot be used back- to-back unless there are two individual memberships. Card cannot be used in conjunction with any other marketing offers unless specified. Valid for 12 months from issue of membership. This rate is not eligible for Hilton Honours points or airline miles.

¥ 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.

Λ Unless there is provable evidence of Cardholder negligence, fraud or collusion. Excludes ATM cash disbursements.

~ Secure Sentinel membership is provided by Secure Sentinel Pty Ltd ABN 53 054 235 157 (Secure Sentinel) and is subject to the Terms and Conditions of Secure Sentinel. It is important for you to read Secure Sentinel membership terms and conditions available at www.securesentinel.com.au. MBL is not liable or responsible for any guarantees, warranties or representations made by Secure Sentinel for the supply of Secure Sentinel membership.