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Home» Personal» Credit cards» Low rate» Macquarie Ratesaver Visa Card

Macquarie Visa RateSaver Card

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Features & benefits
More information
Brochures & forms
FAQs

Features and benefits

Low interest rate⁺⁺ of 14.95%pa on purchases and 21.95%pa on cash advances
0% interest on balance transfers for the first four months⁺
Low annual fee of just $69
Up to 55 days interest free on purchases°

We also have a range of fully featured reward credit cards. See our full range.

More information

Financial flexibility

Up to 55 days interest free on purchases°, you can count on your card to help with your cashflow.

Save with our balance transfer

Switch your balances from other credit cards to Macquarie Visa RateSaver Card, and take advantage of great interest savings.

24 hour dedicated customer service

We are committed to delivering the highest level of service, and are always interested in any feedback that you may have. Our team of highly trained experts are available 24 hours a day, seven days a week.

Global acceptance

From Australia to Zambia, your Card is accepted in 200 countries, by over 29 million merchants, and at one million ATMs. Your Card is widely accepted to suit your purchasing needs.

Advanced security

Your Card provides advanced protection against criminal activity. You can purchase online with ease knowing that our online fraud protection provides 24/7 account monitoring. Cardholders are protected by Visa's Zero Liability policy and are not held liable for unauthorised purchases^X.

Card Repayment Insurance

Card Repayment Insurance (CRI) provides a lump sum payment directly to your credit card if you die or become totally and permanently disabled. It can also provide a monthly payment to your credit card if you unexpectedly lose your job or are unable to work because of illness or injury. These benefits may help clear the balance owing on your card or assist with maintaining your minimum monthly repayments^^.

Secure Sentinel

Security is of a prime concern to us at Macquarie. That’s why we have teamed up with Secure Sentinel, Australia’s leading provider of loss assistance and retrieval services, to offer Macquarie cardholders added peace of mind. Secure Sentinel’s unique membership service costs only $59 per year ($79 for a family) - a small price to pay for the extensive benefits it offers.

Visa Entertainment

Macquarie Visa RateSaver cardholders are invited to enjoy the outstanding selection of offers available via Visa Entertainment. Opportunities for events, music, movies, theatre, books, home entertainment, DVDs and CDs have been facilitated by Visa's partnerships with some of the world's leading entertainment brands, such as Disney, Ticketek, Sony and Hoyts. For more information, visit visaentertainment.com.au

Brochures and forms

From Direct Debit forms to Identity Theft Prevention Kits, below is a range of useful and informative documents to help you make the most of your Macquarie Card.

Forms

Useful guides

Frequently asked questions

Choose a topic and link through to find your question and answer:

Applying for a Macquarie Credit Card

Balance transfers

Using your Macquarie Credit Card

Interest rate and fees on Macquarie Credit Cards

Macquarie Credit Card Rewards Program

Insurance benefits

Security

Contactless technology

Access and PINs

Account management

Online maintenance

Additional cardholders

Macquarie Visa RateSaver Card

Enjoy the experience

Apply now or View full range of credit cards

Contact us

Call Macquarie

1300 150 300

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More contact details

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.

⁺ The 0%pa interest rate applies to balances transferred with this offer for the first four months from the date your account is approved and then reverts to the standard variable interest rate for purchases, which is currently 14.95%pa for the Macquarie Visa RateSaver 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.

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

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

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

^^ Macquarie Life Limited (Macquarie Life) ABN 56 003 963 773 AFSL 237 497 is the issuer of all the benefits of the CRI product other than Involuntary Unemployment, which is issued through St Andrew's Insurance (Australia) Pty Ltd ABN 89 075 044 656 AFSL 239 649 (St Andrew's.) Macquarie Life and St Andrew's jointly issue and are responsible for the Product Disclosure Statement (PDS). You can obtain a copy of the PDS by calling 1300 150 300.

St Andrew's is not an authorised deposit-taking institution for the purposes of the Banking Act (Cth) 1959 and its obligations do not represent deposits or other liabilities of Macquarie Bank Limited ABN 46 008 583 542. Macquarie Bank Limited does not guarantee or otherwise provide assurance in respect of the obligations of St Andrew's.

Sykes Financial Services Pty Limited (Sykes) ABN 115 290 893 AFSL 299 767 has prepared the Financial Services Guide (FSG) and is legally responsible for that part of the combined Product Disclosure Statement and Financial Services Guide.