Credit cards may be made available for new or existing home loan customers, private bank clients or business bank clients.

For home loans, speak to a Macquarie home loan specialist or your broker to find out more.

For Business Bank clients, speak to your relationship manager who can assist you with a credit card application.

For Private Bank clients, speak to your adviser who can assist you with a credit card application.

You can apply if

You meet all of the below criteria:

  • are 18 years or above
  • 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, or earn a minimum taxable income of $70,000 per annum for a Macquarie Black card.

What you need to apply 

Before you apply for a credit card, make sure you have everything you need handy: 

  • Current email address and mobile phone number so you can safely use your account online and in the app  
  • Identity documents 
  • Proof of income, including payslips or statements 
  • Details of any debts you currently hold, including balances, limits and monthly repayments 
  • Monthly living expenses such as groceries, utilities and insurances.

Before we can provide you with a financial service, it’s a regulatory requirement that we verify your identity and your financial information. See how we verify your identity.

How long it takes for your credit card to open 

We’ll open your account once your application is approved. The timing depends on how quickly we can verify your identity and complete our assessment of your income documentation. We’ll email you to let you know if your application is successful and when your account is open and ready to use.

Why your application may be unsuccessful 

An application may be unsuccessful if your circumstances didn’t meet certain acceptance criteria or regulatory conditions for the product, or if we didn’t receive all the required documentation.

For all other Macquarie customers, please get in touch with one of our consultants using live chat for more information on credit card applications.

Start a live chat

Log in to Macquarie Online Banking or the Macquarie Mobile Banking app and chat with a consultant in real time, Monday to Friday, 9am to 5pm Sydney time (excluding public holidays).

Experiencing financial difficulty?

Please get in touch as soon as possible so we can work together to find the right solution for you.

Resolve a complaint

Everyone at Macquarie is committed to providing our clients with the highest standard of products and services available. If you have feedback we would like you to tell us about it.