Macquarie Bank Credit Cards

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Macquarie Bank credit cards give you the ability to earn rewards or take advantage of a low interest rate

Macquarie Bank, originally known as Hill Samuel Australia, began operations in 1969. The name Macquarie Bank Limited came into effect only in 1985 after receiving its Australian banking license. It also started offering stockbroking services in the same year. Establishment of Macquarie Bank International Limited, as well as its branch in United Kingdom, took place in 2008.

Macquarie now operates as a global business, with its presence felt in 28 countries. In Australia, this bank offers its members an array of financial service and products, which include credit cards.

Compare credit cards from Macquarie Bank

Rates last updated August 26th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Macquarie Platinum Card
Earn 40,000 bonus points when you spend $2,000 on eligible purchases within 60 days of approval and enjoy a range of rewards and complimentary insurance covers.
20.70% p.a. 0% p.a. for 14 months $99 p.a. annual fee for the first year ($199 p.a. thereafter) More info
Macquarie Black Card
Earn 60,000 bonus points when you meet the minimum spend, 2 rewards points per $1 spent, a long term balance transfer offer of 0% p.a. for 14 months with a discounted annual fee of $99 on the first year.
20.70% p.a. 0% p.a. for 14 months $99 p.a. annual fee for the first year ($249 p.a. thereafter) More info
Macquarie Platinum Card with Qantas Rewards
Receive 40,000 bonus Qantas Points when you meet the minimum spend, 1 Qantas Point per $1 spent and complimentary insurances.
20.70% p.a. 0% p.a. for 14 months $99 p.a. annual fee for the first year ($249 p.a. thereafter) More info
Macquarie Bank Hilton Honors Platinum Card
A platinum credit card with bonus Macquarie points when you spend at hotels and resorts within the Hilton Portfolio
20.70% p.a. 0% p.a. for 14 months $295 p.a. More info
Macquarie Bank RateSaver Visa Card
Enjoy a low annual fee plus up to 55 days interest free on purchases.
15.95% p.a. 0% p.a. for 14 months $69 p.a. More info

Types of credit cards that Macquarie Bank offers

Macquarie Bank customers get to choose from a few different types of credit cards, meaning you’re able to choose a product that’s tailored to your spending needs.

  • Low rate credit cards

A low rate credit card can be good to have if you don’t pay your balances in full each month. The Macquarie Visa RateSaver Card comes with a 0% p.a. balance transfer offer for 14 months as well as up to 55 interest-free days on purchases. These low-cost features are offset by a nominal annual fee.

Rates last updated August 26th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
Macquarie Bank RateSaver Visa Card
Enjoy a 0% p.a. interest rate on balance transfers for 14 months.
15.95% p.a. 0% p.a. for 14 months $69 p.a. Up to 55 days on purchases More info
Rates last updated August 26th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
Westpac Low Rate Card
A simple low interest rate card featuring a low ongoing rate on purchases, up to 55 days interest-free on purchases and a low annual fee.
1% p.a. for 12 months (reverts to 13.49% p.a.) 0% p.a. for 18 months $59 p.a. Up to 55 days on purchases Go to site More info
ME Bank frank Credit Card
A low interest rate on purchases and cash advances with no annual fee charge.
9.99% p.a. $0 p.a. Up to 55 days on purchases Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Up to 55 days on purchases Go to site More info
Coles Low Rate MasterCard
A low rate MasterCard with a competitive rate on purchases and a low annual fee.
9.99% p.a. 0% p.a. for 6 months $49 p.a. Up to 62 days on purchases Go to site More info
NAB Low Rate Credit Card
The NAB Low Interest Visa Card offers 0% p.a. purchase and balance transfer offers for 15 months. Also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 2% balance transfer fee $59 p.a. Up to 55 days on purchases Go to site More info
Bankwest Breeze MasterCard
Enjoy a low ongoing rate on purchases, a low introductory interest rate on balance transfers and $0 annual fee for the first year. Limited time only.
8.99% p.a. 2.99% p.a. for 9 months $0 p.a. annual fee for the first year ($89 p.a. thereafter) Up to 55 days on purchases Go to site More info
St.George Vertigo Visa
A low rate shopping credit card offering a low ongoing rate on purchases plus a low balance transfer offer of 0% p.a. for 18 months.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
NAB Low Fee Card
Enjoy a low introductory rate of 0% p.a. on balance transfers and purchases for 15 months.
0% p.a. for 15 months (reverts to 19.74% p.a.) 0% p.a. for 15 months with a one off 2% balance transfer fee $30 p.a. Up to 44 days on purchases Go to site More info
Bank of Melbourne Vertigo Visa Credit Card
Enjoy a low annual fee combined with 0% p.a. balance transfer offer for 18 months and 1% p.a. for 12 months on purchases.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
ANZ First Visa Credit Card - Exclusive Offer
Take advantage of this exclusive offer and enjoy 0% p.a. for the first 12 months on balance transfers and 0% p.a. for the first 3 months on purchases.
0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $30 p.a. Up to 44 days on purchases Go to site More info
St.George Vertigo Platinum
Enjoy platinum card benefits with a long term balance transfer of 0% for 20 months and a low annual fee.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. Up to 55 days on purchases Go to site More info
ANZ Low Rate
Save on your existing credit card interest with 0% for 18 months on balance transfers with a low annual fee and low ongoing purchase rate.
13.49% p.a. 0% p.a. for 18 months with 3% balance transfer fee $58 p.a. Up to 55 days on purchases Go to site More info
Bankwest Breeze Platinum MasterCard
Enjoy Platinum card benefits offering no foreign transaction fees for online and overseas purchases, an annual fee waiver for the first year and a low purchase rate of 8.99% p.a. Limited time only.
8.99% p.a. 2.99% p.a. for 9 months $0 p.a. annual fee for the first year ($99 p.a. thereafter) Up to 55 days on purchases Go to site More info
Citi Simplicity Card
Enjoy up to 55 interest-free days and a low interest rate on purchases plus enjoy free bottles of wine from Citibank Dining Program. Offer ends on 31 March 2017.
11.99% p.a. for 24 months (reverts to 19.99% p.a.) $0 p.a. Up to 55 days on purchases Go to site More info
BankSA Vertigo Visa
A low rate credit card with 0% for 18 months on balance transfers and low ongoing purchase rate from BankSA.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
Citi Clear Platinum Card
Enjoy 0% p.a. for 9 months interest-free purchasing and 0% p.a. for 9 months on balance transfers.
0% p.a. for 9 months (reverts to 14.99% p.a.) 0% p.a. for 9 months $99 p.a. Up to 55 days on purchases Go to site More info
BankSA Vertigo Platinum
Experience Platinum card benefits with complimentary insurance policies and 24/7 Visa Platinum Concierge Service. Get 0% for 20 months on balance transfers and 1% for 12 months if you apply by 29 September 2016.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. Up to 55 days on purchases Go to site More info
Bankwest Breeze Gold MasterCard
A gold credit card offering low ongoing purchase rate of 8.99% p.a. combined with complimentary travel insurance covers and $0 annual fee for the first year. Limited time only.
8.99% p.a. 2.99% p.a. for 9 months $0 p.a. annual fee for the first year ($89 p.a. thereafter) Up to 55 days on purchases Go to site More info
Learn more about Low Rate Credit Cards
  • Rewards credit cards

If you like the idea of earning and redeeming reward points by paying a slightly higher annual fee and interest rate you can consider getting a rewards card. Similar to their low rate offering, the Macquarie Visa Gold Card comes with a 0% p.a. balance transfer offer for 9 months and up to 55 interest-free days on purchases. This card comes linked to the Macquarie Bank Rewards Program, offering no points expiry and 1 point earned per $1 spent on purchases.

Rates last updated August 26th, 2016
Bonus Points Points per $ spent Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Macquarie Bank Hilton Honors Platinum Card
Enjoy a 0% p.a. interest rate on balance transfers for 14 months plus get the chance to earn 4 HHonors Bonus Points and 1 bonus Macquarie points when you spend at hotels and resorts within the Hilton Portfolio.
VISA/MC: 4 AMEX: 0 20.70% p.a. 0% p.a. for 14 months $295 p.a. More info
Macquarie Platinum Card
Earn 40,000 bonus points when you spend $2,000 on eligible purchases within 60 days of approval and enjoy a range of rewards and complimentary insurance covers.
40,000 bonus points VISA/MC: 1.25 AMEX: 0 20.70% p.a. 0% p.a. for 14 months $99 p.a. annual fee for the first year ($199 p.a. thereafter) More info
Macquarie Platinum Card with Qantas Rewards
Receive 40,000 bonus Qantas Points when you meet the minimum spend, 1 Qantas Point per $1 spent and complimentary insurances.
40,000 bonus points 1 20.70% p.a. 0% p.a. for 14 months $99 p.a. annual fee for the first year ($249 p.a. thereafter) More info
Rates last updated August 26th, 2016
Bonus Points Points per $ spent Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
ANZ Rewards Travel Adventures card
Pay no overseas transaction fee on purchases and receive complimentary domestic return flight and lounge passes each year you hold the card when you spend $500 on eligible purchases within the first three months.
VISA/MC: 1 AMEX: 2 20.24% p.a. $225 p.a. Go to site More info
Citi Qantas Signature Credit Card
Receive a 15% discount to help you get fast-tracked through immigration at over 280 international airports and access to Citibank World Privileges.
70,000 bonus points VISA/MC: 1 AMEX: 0 20.99% p.a. 0% p.a. for 6 months $99 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn bonus Velocity Points in the first 3 months plus a low balance transfer offer of 0% p.a. for 18 months
VISA/MC: 0.66 AMEX: 0 20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
HSBC Platinum Credit Card
Enjoy an annual fee refund every year if you meet the spend requirement with a balance transfer offer, high credit limits and prestige services including a personal concierge service and VISA Platinum rewards program.
VISA/MC: 1 AMEX: 0 19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
Receive 40,000 bonus Qantas Points on eligible spend within 3 months. A balance transfer offer of 0% p.a. for 6 months with access to premium benefits and complimentary insurance.
40,000 bonus points VISA/MC: 1 AMEX: 0 19.99% p.a. 0% p.a. for 6 months $199 p.a. Go to site More info
American Express Platinum Edge Credit Card - Exclusive Offer
Exclusive Offer to finder.com.au

Receive 30,000 Membership Rewards bonus points when you meet the minimum spend requirement and a complimentary Virgin Australia flight each year. Enjoy a low balance transfer offer of 0% p.a. for 12 months.

30,000 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $195 p.a. Go to site More info
American Express Velocity Platinum Card
Enjoy up to 50,000 bonus Velocity Points when you meet the minimum required spend and earn up to 3 rewards points per dollar spent. Also receive a complimentary return flight every year.
50,000 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $349 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Earn Velocity Points plus enjoy an introductory interest-free offer of 0% p.a. on purchases for 12 months, and 0% p.a. for 6 months on balance transfers.
VISA/MC: 0.66 AMEX: 0 0% p.a. for 12 months (reverts to 20.74% p.a.) 0% p.a. for 6 months $129 p.a. Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
1 14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
ANZ Frequent Flyer Platinum
Earn up to 1.5 Qantas Frequent Flyer points per $1 spent on purchases. Plus 50,000 Qantas Points after your first eligible purchase is made within 3 months of card approval.
50,000 bonus points VISA/MC: 0.5 AMEX: 1.5 19.99% p.a. $295 p.a. Go to site More info
ANZ Rewards Platinum
Earn points for every dollar spent on purchases plus a 50,000 Reward Points after your first eligible purchase is made within 3 months of card approval.
50,000 bonus points VISA/MC: 1 AMEX: 2 18.79% p.a. $95 p.a. Go to site More info
ANZ Rewards Black Credit Card
Earn 75,000 Reward Points after your first eligible purchase within the first three months. Up to 3 reward points per dollar spent and unlimited access to airport lounges with complimentary travel insurance.
75,000 bonus points VISA/MC: 1.25 AMEX: 3 18.79% p.a. $375 p.a. Go to site More info
ANZ Frequent Flyer Black
Earn up to 75,000 bonus Qantas Points after you make your first eligible purchase within 3 months of card approval plus earn 1.5 points per $1 spent. Easier payments with Apple Pay.
75,000 bonus points VISA/MC: 0.75 AMEX: 1.5 19.99% p.a. $425 p.a. Go to site More info
Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
Receive 30,000 bonus Velocity Points and earn 1 Velocity Points per $1 spent. Receive an exclusive $129 Virgin Australia Gift Voucher and two complimentary Single Entry Virgin Australia domestic Lounge passes each year.
30,000 bonus points VISA/MC: 1 AMEX: 0 20.74% p.a. 0% p.a. for 6 months $144 p.a. annual fee for the first year ($289 p.a. thereafter) Go to site More info
American Express Qantas Discovery Card
A no annual fee frequent flyer credit card with Earn 7,500 bonus points and enjoy 0% p.a. on balance transfers for 12 months when you apply and are approved. Earn 1 Qantas Point per $1 spend.
7,500 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
Citi Rewards Credit Card - Classic Card
Earn 1.00 point per $1 spent on eligible purchases and a year long balance transfer offer for approved applicants.
VISA/MC: 1 AMEX: 0 20.99% p.a. 0% p.a. for 12 months $99 p.a. Go to site More info
American Express Velocity Escape Card
Enjoy 7,500 bonus Velocity Points when you meet the minimum spend requirement and earn up to 2 points for every $1 you spend, together with a $0 annual fee.
7,500 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
ANZ Business Black
Receive 50,000 bonus points when you spend $10,000 within the first 3 months and get access to a range of premium rewards and travel benefits.
50,000 bonus points 1 18.99% p.a. $450 p.a. Go to site More info
American Express Qantas Premium Card
Earn as much as 30,000 bonus Qantas Points when you meet the minimum spend requirement. Enjoy frequent flyer benefits including uncapped Qantas Points per $1 spent, complimentary travel insurance and Qantas Club lounge invitations.
30,000 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $249 p.a. Go to site More info
Citi Rewards Credit Card - Platinum Card
Consolidate your debt with a low balance transfer offer of 0% p.a. for 24 months and a host of platinum privileges. Earn up to 1.25 Citi Reward Points for every $1 spend.
VISA/MC: 1.25 AMEX: 0 20.99% p.a. 0% p.a. for 24 months with 1.5% balance transfer fee $199 p.a. annual fee for the first year ($249 p.a. thereafter) Go to site More info
Learn more about Rewards Credit Cards
  • Platinum credit cards

Apart from offering rewards, a platinum credit card tends to offer extras as well, although you’ll have to pay higher annual fees. Depending on the card you apply for, using a Macquarie Visa Platinum Card enables you to earn Macquarie reward points, Qantas Points, or Hilton HHonors points. All Macquarie Bank Platinum cards offer complimentary insurance covers and access to a 24/7 concierge service, and you can take advantage of a 0% p.a. balance transfer offer for nine months.

Rates last updated August 26th, 2016
Points per $ spent Complimentary Travel Insurance Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Macquarie Platinum Card
Earn 40,000 bonus points when you spend $2,000 on eligible purchases within 60 days of approval and enjoy a range of rewards and complimentary insurance covers.
VISA/MC: 1.25 AMEX: 0 Yes 20.70% p.a. 0% p.a. for 14 months $99 p.a. annual fee for the first year ($199 p.a. thereafter) More info
Macquarie Bank Hilton Honors Platinum Card
Enjoy a 0% p.a. interest rate on balance transfers for 14 months plus get the chance to earn 4 HHonors Bonus Points and 1 bonus Macquarie points when you spend at hotels and resorts within the Hilton Portfolio.
VISA/MC: 4 AMEX: 0 Yes 20.70% p.a. 0% p.a. for 14 months $295 p.a. More info
Rates last updated August 26th, 2016
Points per $ spent Complimentary Travel Insurance Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
VISA/MC: 1 AMEX: 0 Yes 19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn bonus Velocity Points in the first 3 months and a low 0% p.a. for 18 months on balance transfers. Receive a free Virgin Australia $129 Gift Voucher each year. Available from mid-2016.
VISA/MC: 0.66 AMEX: 0 No 20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
Citi Qantas Signature Credit Card
Earn up to 70,000 bonus Qantas Points on eligible spend, plus enjoy a 0% p.a. for 6 months offer on balance transfers.
VISA/MC: 1 AMEX: 0 Yes 20.99% p.a. 0% p.a. for 6 months $99 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
ANZ Platinum Credit Card
Receive $200 back when you spend $500 in the first 3 months. Also enjoy a $0 annual fee for the first year.
VISA/MC: 0 AMEX: 0 Yes 19.74% p.a. $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
HSBC Platinum Qantas Credit Card
Receive 40,000 bonus Qantas Points on eligible spend within 3 months. A balance transfer offer of 0% p.a. for 6 months with access to premium benefits and complimentary insurance.
VISA/MC: 1 AMEX: 0 Yes 19.99% p.a. 0% p.a. for 6 months $199 p.a. Go to site More info
American Express Platinum Edge Credit Card - Exclusive Offer
Exclusive Offer to finder.com.au

Receive 30,000 Membership Rewards Bonus Points when you meet the minimum spend requirement. Also receive a complimentary Virgin Australia domestic economy return flight every year.

VISA/MC: 0 AMEX: 1 Yes 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $195 p.a. Go to site More info
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 20 months and an introductory purchase offer of 1% p.a. for 12 months with an annual fee waiver for the first year.
VISA/MC: 0 AMEX: 0 Yes 1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. Go to site More info
Bank of Melbourne Vertigo Platinum
A platinum card with a low balance transfer offer of 0% p.a. interest for 20 months and 1% p.a. for 12 months on purchases combined with complimentary insurance covers.
VISA/MC: 0 AMEX: 0 Yes 1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. Go to site More info
American Express Velocity Platinum Card
Enjoy up to 50,000 bonus Velocity Points when you meet the minimum required spend and earn up to 3 rewards points per dollar spent. Also receive a complimentary return flight every year.
VISA/MC: 0 AMEX: 1 Yes 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $349 p.a. Go to site More info
ANZ Frequent Flyer Platinum
Get 50,000 bonus Qantas Points after first eligible purchase is made within three months. Earn up to 1.5 Qantas Points per $1 spent on purchases.
VISA/MC: 0.5 AMEX: 1.5 Yes 19.99% p.a. $295 p.a. Go to site More info
NAB Premium Card
Platinum credit card benefits including higher credit limits and travel insurance, plus a low interest rate on balance transfers and purchases.
VISA/MC: 0 AMEX: 0 Yes 0% p.a. for 15 months (reverts to 19.74% p.a.) 0% p.a. for 15 months with a one off 2% balance transfer fee $90 p.a. Go to site More info
Bankwest Zero Platinum MasterCard
A $0 annual fee platinum card with $0 foreign transaction fee and complimentary purchase and travel insurance.
VISA/MC: 0 AMEX: 0 Yes 17.99% p.a. 2.99% p.a. for 9 months $0 p.a. Go to site More info
ANZ Rewards Travel Adventures card
Pay no overseas transaction fee on purchases and receive complimentary domestic return flight and lounge passes each year you hold the card when you spend $500 on eligible purchases within the first three months.
VISA/MC: 1 AMEX: 2 Yes 20.24% p.a. $225 p.a. Go to site More info
Coles Platinum No Annual Fee MasterCard
Enjoy a $50 *Kmart Gift Card, low balance transfer offer, no annual fee ever with 24/7 platinum concierge service.
VISA/MC: 0.5 AMEX: 0 No 19.99% p.a. 0% p.a. for 6 months $0 p.a. Go to site More info
American Express Qantas Premium Card
Earn as much as 30,000 bonus Qantas Points when you meet the minimum spend requirement. Enjoy frequent flyer benefits including uncapped Qantas Points per $1 spent, complimentary travel insurance and Qantas Club lounge invitations.
VISA/MC: 0 AMEX: 1 Yes 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $249 p.a. Go to site More info
Citi Rewards Platinum Card - Cashback Offer
Earn $250 cashback on eligible spend, plus enjoy 0% p.a. balance transfer offer for 12 months, discounted annual fees for the life of the card and a complimentary travel insurance.
VISA/MC: 1.25 AMEX: 0 Yes 20.99% p.a. 0% p.a. for 12 months $99 p.a. annual fee for the first year ($199 p.a. thereafter) Go to site More info
American Express Platinum Card
Receive 80,000 Membership Rewards Bonus Points when you meet the minimum spend requirement and earn up to 3 points per dollar spent. Gain access to travel insurance, $300 Platinum Travel Credit every year and access to 800 VIP airport lounges.
VISA/MC: 0 AMEX: 1 Yes $1,200 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
An interest-free period on both purchases and balance transfers.
VISA/MC: 0.66 AMEX: 0 No 0% p.a. for 12 months (reverts to 20.74% p.a.) 0% p.a. for 6 months $129 p.a. Go to site More info
Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
Receive 30,000 bonus Velocity Points and earn 1 Velocity Points per $1 spent. Receive an exclusive $129 Virgin Australia Gift Voucher and two complimentary Single Entry Virgin Australia domestic Lounge passes each year.
VISA/MC: 1 AMEX: 0 Yes 20.74% p.a. 0% p.a. for 6 months $144 p.a. annual fee for the first year ($289 p.a. thereafter) Go to site More info
ANZ Rewards Platinum
Enjoy accelerated points earning and great Platinum features with ANZ Rewards Platinum card. Also offering 50,000 Reward Points after your first eligible purchase is made within 3 months of card approval.
VISA/MC: 1 AMEX: 2 Yes 18.79% p.a. $95 p.a. Go to site More info
Learn more about Platinum Credit Cards

Benefits of banking with Macquarie Bank

Banking with this institution allows you to have all your financial needs met under a single umbrella, be it through savings accounts, transaction accounts, term deposits, loans, online trading, specialist investments or financial advice. Getting a credit card through Macquarie comes with a number of advantages.

  • Round-the-clock service

Irrespective of the credit card you choose you can access the Macquarie Bank service centre at any time of the day or night. Its team of specialists aims to deliver high levels of customer service.

  • Choice of reward points

If you’re applying for the Macquarie Visa Platinum Card you have the option to apply for the card with Macquarie reward points or Qantas Points, and you can also get a Hilton HHonors Macquarie Platinum Card through this bank. This card comes with automatic HHonors Gold status and enables you to earn HHonors points.

  • MyChoice Travel

The Macquarie Visa Platinum Card with Macquarie reward points gives you access to MyChoice Travel, your personal travel agent. You can use this service to redeem your reward points and pay for part of or all your travel expenses, no matter where you’re going. This covers flight tickets, car hire, accommodation, tours, and the like.

  • Visa benefits

These credit cards, owing to their Visa connection, find acceptance the world over. Visa Entertainment brings to you exclusive offers as well as access to upcoming sporting events, live shows, movies, and more. Visa’s Zero Liability policy offers protection to all cardholders, and 24/7 online account monitoring provides advanced fraud protection.

Applying for a Macquarie Bank credit card

You can apply for a Macquarie Bank Credit Card by visiting any of the bank’s branches, by speaking to a credit card specialist over the phone, or you can complete and submit your application online.

Eligibility criteria

  • You’re older than 18 years of age
  • You’re a permanent Australian resident
  • You have good credit history
  • You meet the minimum income requirements (which vary from card to card)

Required documents

  • Applicant details. These include your complete name, date of birth, marital status, number of dependant children and driver’s license number.
  • Identification details. This section requires your mother’s maiden name as well as the name and phone number of a friend or relative who does not share the same address with you.
  • Contact details. Enter your residential address, time spent at this address, phone numbers and email address.
  • Professional details. This section requires your employment status, occupation, name of your employer, time at current job, your employer’s contact details, your gross annual income and income from other sources.
  • Expenses. Here, you have to provide details about rent, mortgage repayments, living expenses, your total available credit limit on existing credit cards and the minimum repayments towards other loans.

What happens next?

You might receive a call from a Macquarie Bank representative if the bank needs any extra information. If you let your employer’s payroll department know of an impending income verification call in advance, the process can move a little quicker. New Macquarie Bank customers have to go through an identity verification process, as stipulated by the Australian government. You might have to visit a branch to complete this formality.

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Frequently asked questions

Listed below are a range of questions and answers about Macquarie Bank’s credit cards. To ask a question that isn’t listed below you can use the form at the end of this page.

How quickly can I complete the online application?

Keep all the information needed to complete the application nearby, and you can complete it in around 10 to 15 minutes.

How can I check my application’s status?

You can call Macquarie Bank directly to find out about the status of your application.

Can I add an additional cardholder?

With the platinum card, you can get up to four additional cards for free.

What complimentary insurance covers do platinum cardholders receive?

All Macquarie Visa Platinum cardholders receive complimentary extended warranty insurance, interstate flight inconvenience insurance and overseas travel insurance.

How do I earn reward points?

You earn rewards points when you use your gold or platinum card to make eligible transactions. With the gold card, you earn one Macquarie point for every dollar spent. The platinum card with Macquarie reward points offers 1.25 reward points for every dollar spent. If you opt for the platinum card with Qantas Points, every dollar spent earns one Qantas Point. With the Hilton HHonors Macquarie Platinum card you can earn up to Up to four HHonors bonus points per dollar spent.

How can I find out how many points I have?

You can find out how many points you have online, over the phone, or by going through your credit card statement.

Do Macquarie reward points expire?

As long as you keep your account open and operate it as per the given terms and conditions, your reward points don’t expire.

Is there a cap on the number of points I can earn?

Macquarie Visa Gold cardholders earn reward points on annual spending of up to $130,000, and it changes to $200,000 for Platinum cardholders.

Can I transfer my reward points?

No, you cannot transfer your reward points, and your points automatically cancel when your account closes.

How can I redeem my reward points?

You can redeem your Macquarie reward points through the Macquarie Rewards Program. Choose from an array of merchandise, gift cards, experiences, vouchers, and travel bookings. Qantas points are accumulated in your Qantas Frequent Flyer program account, and you redeem them like you would your regular Qantas Points. Redeeming HHonors points presents you with options such as staying at Hilton hotels, dining in their restaurants and making purchases.

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12 Responses to Macquarie Bank Credit Cards

  1. Default Gravatar
    Christine | April 11, 2016

    Thank you May,

    But which ones are Macquarie Banks home network? If I use a Redi ATM will this incur fees?

    • Staff
      May | April 11, 2016

      Hi Christine,

      Thanks again for your comment.

      As I mentioned in my previous comment, any Westpac, St.George or BankSA branded ATM are Macquarie Bank home network. Other than these brands, you may be charged ATM withdrawal fees.

      As for using the rediATM, their partners’ cardholders can use any of the 3,000 rediATMs across Australia without receiving a direct charge fee. I’ve sent a link to your email for the list of the rediATM partners.

      I hope this helps.

      Cheers,
      May

  2. Default Gravatar
    Christine | April 11, 2016

    When banking with Macquarie which ATM can I use that will not attract fees?

    • Staff
      May | April 11, 2016

      Hi Christine,

      Thanks for your inquiry.

      To avoid unnecessary ATM transaction fees, you should use ATMs that are part of the Macquarie Bank home network including any Westpac, St.George or BankSA branded ATMs where transactions are free and unlimited.

      On the other hand, if you need to use an ATM that is not part of the home network, Macquarie Bank does not charge for this. But you may be charged directly by the ATM owner at the time of the transaction.

      Hope this helps.

      Cheers,
      May

  3. Default Gravatar
    Sandy | February 24, 2016

    Hi – what banks/ providers still provide reward/QFF points for ATO payments?

  4. Default Gravatar
    Peter | December 9, 2015

    I wish to return my unused Macquarie Credit Card so can you please advise where I should send the card to please?

    • Staff
      Debbie | December 9, 2015

      Hi Peter,

      Thank you for your inquiry.
      Please note that you’ve come through finder.com.au, an online comparison service and not Macquarie.

      You can contact a Macquarie customer service representative directly to further assist you by using this hotline:
      +61 2 8232 3333.

      For other information on how to cancel a credit card, please go through this page.
      I hope this helps.

      Cheers,
      Debbie

  5. Default Gravatar
    Gleno | September 9, 2014

    I currently have a Founding Member Platinum Visa Card and want to know what your best offer interest rate would be if I wish to do a Balance Transfer to this account?

    • Staff
      Shirley | September 10, 2014

      Hi Gleno,

      Thanks for your question.

      At the time of writing, the BT offer for the Macquarie Bank Platinum Visa is 5.99% p.a. for 9 months.

      If you’d like, you can compare more offers on this page.

      Cheers,
      Shirley

  6. Default Gravatar
    Richard | August 16, 2013

    What is the minimum amount of income required to apply for a card?

    • Staff
      Jacob | August 16, 2013

      Hi Richard.

      There are number of credit cards, the each currently have a minimum income requirement of $50,000 per annum. You will have to apply direct through the Macquarie website.

      Thanks for your question.

      Jacob.

Credit Cards Comparison

Rates last updated August 26th, 2016
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Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
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