Want a competitive piece of plastic so you can spend whenever and however you want? We’ve gathered together all the important facts and features of Macquarie credit cards, so you can make an educated decision about whether they’re the right provider for you. So take a look at the range of credit card options on offer and find the one that suits our lifestyle and budget.
Rates and fees verified as correct at 25 July, 2017. Other information correct at the time of writing.
| Product | Purchase rate | Balance transfer rate | Annual fees | Interest free days |
|---|---|---|---|---|
| 20.70% p.a. | 2.99% p.a. for 12 months | $0 | 55 |
If your credit card game is all about racking up the rewards points, then take a look at one of Macquarie’s competitive rewards cards. Earn Macquarie rewards points, which can be redeemed for a range of products, travel tickets and gift cards. These cards come with a pretty high purchase rate and annual fee, so make sure to get the most from the rewards program to make the card worth it. To supersize your rewards earning power, you can upgrade to the platinum version.
| Product | Points per dollar | Purchase rate | Balance transfer rate | Annual fees |
|---|---|---|---|---|
| 2 points per dollar on Visa, uncapped | 20.70% p.a. | 0% p.a. for 14 months | $249 $99 in the first 1 year | |
| 1 point per dollar on Visa, up to $4,000 per month, then | 20.70% p.a. | 0% p.a. for 14 months | $299 $99 in the first 1 year | |
| 1 point per dollar on Visa, uncapped | 20.70% p.a. | 2.99% p.a. for 12 months | $0 | |
| 1 point per dollar on Visa, up to $2,500 per month, then | 20.70% p.a. | 0% p.a. for 14 months | $249 $99 in the first 1 year | |
| 1.25 points per dollar on Visa, up to $200,000 per year | 20.70% p.a. | 0% p.a. for 14 months | $199 $99 in the first 1 year |
Want a little bit of luxury with your credit card? You can opt for the platinum or black version of the Macquarie rewards card, or if you’re not concerned with earning points, check out the great features and freebies available from Macquarie’s other prestige credit cards. Benefits include a range of complimentary insurances, 24/7 concierge service and hotel upgrades. Just keep in mind, all this comes at a cost, and you should prepare yourself for a pretty hefty annual fee and purchase rate.
| Product | Points per dollar | Purchase rate | Balance transfer rate | Annual fees |
|---|---|---|---|---|
| 2 points per dollar on Visa, uncapped | 20.70% p.a. | 0% p.a. for 14 months | $249 $99 in the first 1 year | |
| 1 point per dollar on Visa, up to $4,000 per month, then | 20.70% p.a. | 0% p.a. for 14 months | $299 $99 in the first 1 year | |
| 1 point per dollar on Visa, uncapped | 20.70% p.a. | 2.99% p.a. for 12 months | $0 | |
| 1 point per dollar on Visa, up to $2,500 per month, then | 20.70% p.a. | 0% p.a. for 14 months | $249 $99 in the first 1 year | |
| 1.25 points per dollar on Visa, up to $200,000 per year | 20.70% p.a. | 0% p.a. for 14 months | $199 $99 in the first 1 year |
Like to travel in style? Macquarie’s premium frequent flyer credit cards will have you in first class all the way. These cards will supersize your earning potential so you can stack up those Qantas frequent flyer miles faster, but keep in mind that with premium perks, comes a premium price tag.
| Product | Points per dollar | Purchase rate | Balance transfer rate | Annual fees |
|---|---|---|---|---|
| 1 point per dollar on Visa, up to $4,000 per month, then | 20.70% p.a. | 0% p.a. for 14 months | $299 $99 in the first 1 year | |
| 1 point per dollar on Visa, up to $2,500 per month, then | 20.70% p.a. | 0% p.a. for 14 months | $249 $99 in the first 1 year |
Mozo users have rated Macquarie credit cards on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.
* Overall rating based on reviews in the past 12 months.
Applied for C/C, after a month, got mail of application knocked back, even when I have $200k income. Then out of the blue, got email message my credit card is coming! Not sure can trust a crowd like this.
Applied for C/C, after a month, got mail of application knocked back, even when I have $200k income. Then out of the blue, got email message my credit card is coming! Not sure can trust a crowd like this.
Ted (WA), reviewed over 1 year ago
Only been with Macquarie for 6 months, so still 'testing the waters'.
Only been with Macquarie for 6 months, so still 'testing the waters'.
Katie (VIC), reviewed almost 2 years ago
I have my mortgage with them and got a credit card, they offer great rewards programme for every point you get, point accumulate and you can get vouchers from the top high street stores like Myers, David jones, job hi fi, Priceline etc. I'm very...
I have my mortgage with them and got a credit card, they offer great rewards programme for every point you get, point accumulate and you can get vouchers from the top high street stores like Myers, David jones, job hi fi, Priceline etc. I'm very happy with them.
Christine (WA), reviewed about 2 years ago
High fees and interest rate. Only one reward. Service is good.
High fees and interest rate. Only one reward. Service is good.
Neil (NSW), reviewed about 2 years ago
I have had a bpay go wrong due to the web site dropping out it has been 4 weeks and still have not had money refunded. I rang the moment it happened and was treated like a fool which I am not. I rang again yesterday and they said it would be...
I have had a bpay go wrong due to the web site dropping out it has been 4 weeks and still have not had money refunded. I rang the moment it happened and was treated like a fool which I am not. I rang again yesterday and they said it would be another two weeks very upset.
Sue (NSW), reviewed over 2 years ago
Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.
† Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers.
To apply for a Macquarie credit card, there are a few criteria you’ll have to meet before doing anything else. These are:
If you fit all those criteria, you can apply for a Macquarie credit card, at which point you’ll need to provide some documentation, including:
