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Your choice of flexible Macquarie Rewards

The Macquarie Black card offers the opportunity to earn generous Macquarie Reward Points.1

Graphic of Macquarie VISA Credit card - Black

Earn up to $94 in gift cards when you spend $10,000 per month on your Black card with Macquarie Rewards.

Flexible rewards

  • Earn 2 Macquarie Reward points per $1 spent1 up to and including $10,000, then earn 0.5 Macquarie Reward points for every $1 spent1 over $10,000 in a given statement period.
  • Redeem your points for eGift cards or Cashback
  • Keep track of your points and redemptions with online and mobile banking. Your points are ready to use whenever you like.

No international purchase fees

  • We don’t charge international purchase fees when you shop overseas or with international online retailers5.
  • Receive the Visa foreign exchange rate, with no additional fees or charges.

Security and insurance

  • Overseas Travel Insurance for you, your Spouse and any Dependent Children3.
  • Card Purchase Cover and Buyer’s Advantage Cover on your eligible purchases3.

 

Interest free periods

  • Take advantage of up to 55 days interest free on purchases4.

More ways to pay

  • Add your Visa credit card to your mobile or wearable with Apple Pay and Google Pay.
  • Lost your card? No need to wait for your new card to arrive - continue using mobile payments in place of your lost, stolen or damaged card.
Apple Pay and Google Pay
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Macquarie Rewards

With the Macquarie Black Card you'll have access to the Macquarie Rewards1 program. Redeem eGift cards using Macquarie Marketplace, from over 50 popular retailers including Myer, Woolworths and Amazon.

Redeem Macquarie Rewards
Home loan savings

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.
Find out more
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Added security

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.
Find out more
A person in a cafe close up shot of their hand holding a phone with the Macquarie authenticator app open
Budgeting and saving

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.
Find out more
A hand holding a phone (iPhone X) with the Macquarie app open showing the spending and budgeting feature
Track spending

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.
Find out more
A woman holding a phone in a well lit room with the Macquaire bank app open on a savings screen.
Travel assistance

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.

     

Find out more
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Rates and fees

Interest rates

Interest rates are variable and subject to change.

RateTransaction type
20.70% p.a.Interest rate charged on purchases
20.70% p.a.Interest rate charged on cash advances


Up to 55 days interest free on purchases only applies 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).

Account fees

Fee typeFee amount

Annual fee2

The annual fee is charged when you activate your card, then annually on the anniversary of the date we first issued your card.

$249

Cash advance fee

Applies to each cash advance made on your account, debited to your account at the time of the cash advance.

$5 or 3% of the value of the transaction, whichever is the greater

International purchase fee

Card purchases or transactions made or processed outside Australia.

We don't charge fees for card purchases made or processed outside Australia but others, such as the banks of international merchants and foreign ATM operators, may charge fees for these transactions.

Free

Late payment fee

Applies if all amounts due are not paid by the payment due date, debited to your account within five business days of the payment due date.

$20 per statement period 

 

Card and transaction limits

Transaction typeLimit

Cash advance transaction limit

Once you reach this limit, you’ll need to pay down your cash advance balance before you can withdraw cash again. 

$1,000
VISA contactless limit with no PIN$200 per transaction

Daily BPAY® limit

Some billers may impose their own limits.

Up to the available balance of your account

 

Terms, conditions and documents

Terms and conditionsLink
Balance transfers terms and conditionsView terms
Conditions of use bookletDownload PDF
Electronic Banking terms and conditionsView terms
Macquarie Bank Black Card Insurance terms and conditions
Our Macquarie Credit Card Insurance T&Cs will change from 18-Jun-2025, visit macquarie.com.au/creditcardtravelinsurance for details		Download PDF
Macquarie Bank Black Card Insurance terms and conditions (effective from 18-June-2025)Download PDF
Macquarie Rewards Program terms and conditions
Download PDF
Documents
Link
Additional card holder formDownload PDF
Authorised representative request formDownload PDF
Credit guideDownload PDF
Direct debit request formDownload PDF

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), and
  • Australian driver's licence number (if you have one).

Next steps

Compare and find the best card for your needs.

Compare cards

Frequently asked questions

Our rewards program is digital and offers a range of eGift cards for you to choose from. For more information visit our Marketplace website.

You can also choose to redeem points for Cashback into an eligible Macquarie account. 

For more information on credit card reward points, refer to our help centre article.

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:

  1. Hover over your credit card account
  2. Select I want to
  3. Select View account details in the menu drop-down
  4. Select Decrease limit. This appears on the right of the screen next to Account summary.

On the Macquarie Mobile Banking app:

  1. Click on your credit card account from the account list
  2. Select the I want to button
  3. Select View account details in the menu
  4. 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:

  1. Select your account from the account list
  2. Select I want to
  3. Select Manage card
  4. Select Replace card
  5. Select the reason why you require a replacement card
  6. Enter a date if your card is lost or stolen
  7. Confirm the address for the replacement card to be sent to
  8. Select Request card.

To order a new or replacement card in the Macquarie Mobile Banking app:

  1. Select your account from the account list
  2. Select I want to
  3. Select Manage card
  4. Select Replace card
  5. Select the reason why you require a replacement card
  6. Enter a date if your card is lost or stolen
  7. Confirm the address for the replacement card to be sent to
  8. 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

  1. Hover over your credit card account in the account list
  2. Select I want to
  3. 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

  1. Select your credit card account
  2. Select the I want to button
  3. 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.

Related articles

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Credit card FAQs: international transaction fees
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Credit card FAQs: Interest rates and fees

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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. 

Apple, the Apple logo & iPhone are trademarks of Apple Inc, registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Android, Google Pay, Google Chrome and the Google Logo are trademarks of Google LLC.

BPAY is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518

Approval is subject to Macquarie credit criteria and suitability assessment. Terms and conditions apply and are available upon request. Fees and charges apply. 

1

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.

2

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.

3

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.

4

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.

5

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.