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Macquarie Gold Card

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credit cards

Purchase rate
20.95%
Balance transfer rate
0.00% for 6 months
Annual card fee
$130.00
Interest free days
55

Product info
Customer reviews

Rewards scheme

Redeem your points for travel, cashback, gift cards, retail rewards and shopping gift cards.
MyChoice Travel lets you book flights on Qantas, Virgin Australia, Jetstar, REX or Skywest.
Bonus points available at certain retailers, including MyChoice Travel.

Privileges

Travel Accident Insurance
Extended Warranty
Purchase Protection

Value of rewards points

Example reward
You'd need to spend

Flight: Sydney-Melbourne
$12,750

$100 cash back
$12,500

Flight: Sydney-London
$156,250

$100 gift card
$14,950

Points are capped?
at $130,000 pa

Points expire?
Never

Details behind our 'value of rewards' calculations

Points earning 1 points per dollar on Visa, up to $130,000 per year
Flight: Sydney-Melbourne 15500 points required. 12500 points buys a MyChoice $100 Travel Credit; assumed flight cost is $124
$100 cash back 12500 points buys a $100 credit
Flight: Sydney-London 156250 points required. 12500 points buys a MyChoice $100 Travel Credit; assumed flight cost is $1250
$100 gift card 14950 points buys a Myer $100 Gift Card

(how did we do it? find out...)

Rates

Purchase rate: 20.95%
Intro purchase rate: none
Balance transfer rate: 0.00% for 6 months
Balance transfer term: 6 Months
Balance transfer revert to cash: no
Cash advance rate: 21.95%
Interest free days: 55

Other financial bits

Minimum repayment amount: $20.00
Minimum repayment percent: 2.0

Fees

Annual card fee: $130.00
Introductory fee: none
Annual fee spend threshold: none
Reward program fee: $
Late payment fee: $35.00
Overlimit fee: $30.00
Cash advance fee: $3% or $5
Foreign exchange margin: 3.00%
Duplicate statement fee: $7.00
Transaction verification fee: $7.00
Additional card fee: $30.00
Establishment fee: $

Features

Additional cardholders: 4
Other restrictions: none
Other benefits: Includes transport accident insurance & interstate flight inconvenience insurance

About Macquarie

Macquarie a global financial provider offers a variety of services to its clients. Macquarie provides a variety of products including banking, financial, advisory, investment and funds management services. Since its founding in 1969 Macquarie has become one of Australia’s largest companies today.