Applying for a credit card

• Be a Home Loan or Business Bank Client
• Be 18 years of age or older
• Be a permanent resident of Australia
• Have a good credit rating
• Meet the minimum taxable income requirements:
  • $50,000 per annum for a Macquarie Platinum or RateSaver card
  • $70,000 per annum for a Macquarie Black card.

Credit cards may be available for home loan customers or business bank clients.

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.

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.

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.