per $1 spent on eligible purchases
per $1 spent on eligible purchases
for our lowest rate credit card
You meet all of the below criteria:
And you meet 1 of the below criteria:
Compare and find the best card for your needs.
Credit card limit increase
We appreciate this is a very difficult time for the many Australians impacted by coronavirus (COVID-19). In light of the current level of financial uncertainty many borrowers are facing, we are temporarily pausing credit limit increase applications.
Credit card limit decrease
You can decrease your credit limit at any time by following the below steps:
On Macquarie Online Banking:
Alternatively, you can:
On the Macquarie Mobile Banking app:
Minimum credit limits apply. To find the minimum credit limit for your credit card, please check your financial table which was provided to you with your card pack.
If your card has or will soon expire:
In most instances, we will automatically send you a new credit card if your existing one is about to expire.
There may be times when we don’t automatically send you a new card. This could be for various reasons relating to your account or the way you use your card.
If you haven’t received your new card in the first week of the expiry month, please call us on 1300 150 300, 24 hours a day, 7 days a week, and we can help.
Once you receive and activate your new card, remember to update any direct debits with your new card details.
If your previous card was set up in your digital wallet, your new card will automatically be added to Apple Pay or Google Pay. If you haven’t yet, instantly set up Apple Pay or Google Pay to your digital wallet and start using it straight away, without waiting for your new physical card to arrive in the mail.
If your card is damaged:
Please call us on 1300 150 300, 24 hours a day, 7 days a week, and we can help.
We don’t charge our Macquarie credit card customers international transaction fees on overseas purchases, both in-store and online, or on overseas cash withdrawals. A cash advance fee will still apply on overseas cash withdrawals. You’ll also continue to earn rewards points on eligible international purchases on your Macquarie Black or Platinum credit card.
This could mean savings for you if you regularly travel or shop online with international merchants.
How does foreign currency conversion work for credit cards?
Whenever you make an in-store or online purchase or use your credit card to obtain a cash advance, in a currency other than Australian dollars, the transaction will be converted to Australian dollars. When you complete the payment, you might be given the choice to pay in the foreign currency or convert the amount to Australian dollars.
If you choose to pay in the foreign currency, this amount will be converted to Australian dollars by Visa, using the applicable exchange rate on the date the purchase is debited to your account. Remember, exchange rates may fluctuate between the time your purchase is authorised and the time we debit your account.
Under the Visa scheme, if the purchase is made in United States dollars, Canadian dollars, New Zealand dollars, Singapore dollars, Pounds Sterling, Euros or Japanese Yen then the amount will be converted directly into Australian dollars. Purchases made in any other foreign currency will be converted into United States dollars before being converted into Australian dollars. The online conversion rate calculator shows you the indicative rates set by Visa for these conversions.
If you choose to pay in Australian dollars, the merchant will convert the foreign currency into Australian dollars at the time of the transaction. This is called ‘dynamic currency’ conversion. The exchange rate is not determined by Visa but by the merchant’s dynamic currency conversion service provider.
You won’t incur an international transaction fee, however some merchants may charge additional fees, so choosing to pay in Australian dollars can be more costly.
You might come across dynamic currency conversion if you’re:
Statements will be available online monthly, at the end of each billing cycle. You’ll receive a credit card statement monthly if you’ve made transactions during that period. See Understanding Interest for further information.
Please contact us to close your account:
This information is provided by Macquarie Bank Australian Credit Licence 237502 and does not take into account your objectives, financial situation or needs. You should consider whether it is appropriate for you. Lending criteria, fees and T&Cs apply. Allow up to 10 working days to process your application.
Approval is subject to Macquarie credit criteria and suitability assessment. Terms and conditions apply and are available upon request. Fees and charges apply. Allow up to 10 working days to process your application.
Concierge Services are provided by Aspire Lifestyles (Australia) Pty Ltd. Accessing concierge services is free but you must pay for the goods or services that you purchase through the service. Maximum discount of AUD$100 will apply per calendar year. The discount will be applied at the time of booking and the outstanding amount must be paid for with your Macquarie Black Card. If a booking is cancelled within 24 hours of the scheduled time, you will still be charged for the booking and the discount will still be applied to your annual maximum. Limousine travel can only be used within Australia and subject to availability.
We don’t charge fees for card purchases or transactions made or processed outside Australia but others, such as the banks of international merchants, might.
The annual fee information displayed on this page applies to new customers only. Existing customers may be subject to a different annual fee and should refer to their Financial Table for the annual fee that applies to their account. Other fees and charges may apply.
Applicable only if your account is paid in full by the due date shown each month (excluding any balance transfers and Interest Free Finance balances that are in the specified promotional period). Interest rates are variable and subject to change.
Interest rates are variable, subject to change and to Macquarie credit criteria.
Macquarie Reward points are earned on up to $200,000 of spend annually on the Macquarie Visa Platinum Card and no points cap on the Macquarie Black Card. Macquarie Rewards are subject to the Macquarie Rewards Program Terms and Conditions. Macquarie Reward points are not earned on cash advances, balance transfers or other restricted transactions detailed in the Macquarie Rewards Program Terms and Conditions.
The insurance on Macquarie Cards is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) (Chubb) and are subject to the terms, conditions, excesses and exclusions contained in the Macquarie Bank Platinum Card group policy of insurance or in the Macquarie Bank Black Card policy of insurance between Macquarie Bank Limited (ABN 46 008 583 542 AFSL No. 237502) (MBL) and Chubb. This information does not take into account your objectives, financial situation or needs. It is important for you to read Macquarie Bank Platinum Card Insurance Terms and Conditions or Macquarie Bank Black Card Insurance Terms and Conditions and consider the appropriateness of that insurance in relation to your individual requirements.
^The Macquarie RateSaver Card is not available in a Home Loan Package.
^^Different minimum credit limits may apply to the Macquarie Platinum Card in a Home Loan Package.