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Credit cards are currently available to Macquarie home loan customers. Speak to a Macquarie home loan specialist or your broker to find out how to apply.
Credit cards
Macquarie credit cards provide great value with no international purchase fees and the option to earn Macquarie Reward Points.
Macquarie Black Card
- Home loan savings
- Added security
- Budgeting and saving
- Track spending
- Travel assistance
Using your credit card and offset account
Using your credit card and offset account
- One way to make the most of your offset home loan is to use your accompanying credit card for your day-to-day purchases.
- When you keep savings in your offset account and pay off your credit card balance in full before your interest free period ends, you could minimise both the amount of interest you pay on your home loan and the interest you pay on purchases.
Protect your account and personal information
Protect your account and personal information
- The Macquarie Authenticator app provides an extra layer of security that helps protect your account and personal information and is our most secure way to authenticate.
- It's a mobile app that sends actionable push notifications for you to approve or deny online transactions and account activity. There’s also an option to generate a unique one-time rolling code as an alternative authentication method.
Tools for budgeting and saving
Tools for budgeting and saving
- Get to know your spending. Each time you make a transaction, it’s automatically categorised into a group such as groceries, travel, leisure or technology.
- Create smart budgets for anything in an instant, then see how you're tracking at a glance and over time.
Transaction notifications
Transaction notifications
- Get the added security of real time notifications – opt in on your device.
- Whenever you make a transaction on your Macquarie credit or debit card, you’ll receive a push notification, so you know the correct transaction has been processed either instore or online.
- For foreign currency transactions, the alert shows the spend amount in local currency and Australian dollars.
Digital tools for travelling
Digital tools for travelling
- When you log into the Macquarie Mobile Banking app at your overseas destination, the Travel Mode feature will reflect your location and the local exchange rate.
- You’ll also have quick access to our international support contact details.
- Easily lock and unlock your card in the app if your card is lost or stolen.
You can apply if you
You meet all of the below criteria:
- are 18 years old or over
- are a permanent resident of Australia
- have a good credit rating
- earn a minimum taxable income of $50,000 per annum, for a Macquarie Platinum or RateSaver card/ earn a minimum taxable income of $70,000 per annum, for a Macquarie Black card.
And you meet 1 of the below criteria:
- are packaging a credit card with a new or existing home loan
- are a Business Bank client
You'll need details of your
- gross annual salary
- monthly expenses
- current employer (address and phone number)
- accountant (if self-employed/retired)
- Australian driver's licence number (if you have one).
Next steps
Compare and find the best card for your needs.
Frequently asked questions
Credit card limit increase
We don't offer the option to increase your credit limit
Credit card limit decrease
You can decrease your credit limit at any time by following the below steps:
On Macquarie Online Banking:
- Hover over your credit card account
- Select I want to
- Select View account details in the menu drop-down
- Select Decrease limit. This appears on the right of the screen next to Account summary.
On the Macquarie Mobile Banking app:
- Click on your credit card account from the account list
- Select the I want to button
- Select View account details in the menu
- Scroll down then select Credit limit decrease.
To find the minimum credit limit for a credit card, please check the key facts sheet at the time of your application.
If your card has or will soon expire:
Here’s what you need to know if your card has expired or will soon expire:
- Your card will continue to work until the end of the expiry month.
- In most instances, we’ll send you a new card 2 to 4 weeks before your existing one is about to expire. Your new card will be sent to the address you have registered with us.
- If you need to receive your new card two months before your card will expire, you can complete the Card Replacement Request form or get in touch with a Macquarie consultant using live chat to request a new debit or credit card to be issued to you sooner.
- If you haven’t received your new card in the second week of the expiry month, please verify your contact information and request a replacement card online.
- If you're unable to order a replacement card online, simply follow the instructions in What happens if I can't order a new or replacement card online?
- Once you receive and activate your new card, you’ll also need to update any direct debits with your new card details.
- If your old card had been added to your mobile wallet, you won’t need to do this again when your new card arrives. Your new card will automatically be added to Apple or Google Pay, and you can start using it straight away without waiting for your new card to arrive in the mail.
If your card is damaged:
To order a new or replacement card in Macquarie Online Banking:
- Select your account from the account list
- Select I want to
- Select Manage card
- Select Replace card
- Select the reason why you require a replacement card
- Enter a date if your card is lost or stolen
- Confirm the address for the replacement card to be sent to
- Select Request card.
To order a new or replacement card in the Macquarie Mobile Banking app:
- Select your account from the account list
- Select I want to
- Select Manage card
- Select Replace card
- Select the reason why you require a replacement card
- Enter a date if your card is lost or stolen
- Confirm the address for the replacement card to be sent to
- Select Request card.
You can expect to receive your replacement card within 5 to 10 business days from the date of your request.
Macquarie credit cards offer $0 Macquarie international transaction fees on overseas purchases, both in-store and online.
However, additional fees and charges may apply at ATMs and for over-the-counter transactions.
For tips for using your Macquarie cards overseas to help save on fees and charges, refer to our help centre article.
Statements will be available online monthly, at the end of each billing cycle.
If your statement hasn’t arrived, please get in touch with a Macquarie consultant using live chat.
How do I close my credit card account?
If you decide that the Macquarie credit card is no longer right for you, please follow the steps below to close your account via Macquarie Online or Macquarie Mobile Banking.
Please note in order to do this, the following conditions apply:
- You must have paid off your balance in full prior to closing your account
- Your participation in the Macquarie Reward Program will be automatically cancelled and you’ll forfeit all Macquarie Reward Points you haven’t redeemed.
To close your credit card in Macquarie Online Banking
- Hover over your credit card account in the account list
- Select I want to
- Select Close Account. This appears on the right of the screen next to Account Summary.
To close your credit card in the Macquarie Mobile Banking app
- Select your credit card account
- Select the I want to button
- Scroll down and select Account closure.
Unable to close your account?
If you are unable to close your account via Macquarie Online or Macquarie Mobile Banking, you can get in touch with us via live chat.
Support for customers
Additional information
This information is provided by Macquarie Bank Limited AFSL and 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.
Approval is subject to Macquarie credit criteria and suitability assessment. Terms and conditions apply and are available upon request. Fees and charges apply.
Macquarie Rewards are subject to the Macquarie Rewards Program Terms and Conditions. Macquarie Reward points are not earned on cash advances or other restricted transactions detailed in the Macquarie Rewards Program Terms and Conditions.
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 Interest Free Finance balances that are in the specified promotional period). Interest rates are variable and subject to change.
^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.