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Macquarie’s basic credit card provides great value with low fees and rates, no international purchase fees2 and access to digital banking.
Macquarie's lowest annual fee and interest rate credit card.
A low annual fee of only $69 means more money in your pocket.
Interest rates are variable and subject to change.
| Rate | Transaction type |
| 15.95% p.a. | Interest rate charged on purchases |
| 15.95% p.a. | Interest rate charged on cash advances |
Up to 55 days interest free on purchases only applies if your account is paid in full by the due date shown each month (excluding any balance transfers and Interest Free Finance balances that are in the specified promotional period).
| Fee type | Fee amount |
Annual fee The annual fee is charged when you activate your card, then annually on the anniversary of the date we first issued your card. | $69 |
Cash advance fee Applies to each cash advance made on your account, debited to your account at the time of the cash advance. | $5 or 3% of the value of the transaction, whichever is the greater |
International purchase fee Card purchases or transactions made or processed outside Australia. We don't charge fees for card purchases made or processed outside Australia but others, such as the banks of international merchants and foreign ATM operators, may charge fees for these transactions. | Free |
Late payment fee Applies if all amounts due are not paid by the payment due date, debited to your account within five business days of the payment due date. | $20 per statement period |
| Transaction type | Limit |
Cash advance transaction limit Once you reach this limit, you’ll need to pay down your cash advance balance before you can withdraw cash again. | $1,000 |
| VISA contactless limit with no PIN | $200 per transaction |
Daily BPAY® limit Some billers may impose their own limits. | Up to the available balance of your account |
| Terms and conditions | Link |
| Balance transfers terms and conditions | View terms |
| Conditions of use booklet | Download PDF |
| Electronic Banking terms and conditions | View terms |
| Documents | Link |
| Additional card holder form | Download PDF |
Authorised representative request form | Download PDF |
| Credit guide | Download PDF |
| Direct debit request form | Download PDF |
| Macquarie RateSaver Card Features and Benefits Guide | Download PDF |
You meet all of the below criteria:
And you meet 1 of the below criteria:
Compare and find the best card for your needs.
Credit card limit increase
We don't offer the option to increase your credit limit
Credit card limit decrease
You can decrease your credit limit at any time by following the below steps:
On Macquarie Online Banking:
Alternatively, you can:
On the Macquarie Mobile Banking app:
Minimum credit limits apply. To find the minimum credit limit for your credit card, please check your financial table which was provided to you with your card pack.
If your card has or will soon expire:
In most instances, we will automatically send you a new credit card if your existing one is about to expire.
There may be times when we don’t automatically send you a new card. This could be for various reasons relating to your account or the way you use your card.
If you haven’t received your new card in the first week of the expiry month, please call us on 1300 150 300, 24 hours a day, 7 days a week, and we can help.
Once you receive and activate your new card, remember to update any direct debits with your new card details.
If your previous card was set up in your digital wallet, your new card will automatically be added to Apple Pay or Google Pay. If you haven’t yet, instantly set up Apple Pay or Google Pay to your digital wallet and start using it straight away, without waiting for your new physical card to arrive in the mail.
If your card is damaged:
Please call us on 1300 150 300, 24 hours a day, 7 days a week, and we can help.
We don’t charge our Macquarie credit card customers international transaction fees on overseas purchases, both in-store and online, or on overseas cash withdrawals. A cash advance fee will still apply on overseas cash withdrawals. You’ll also continue to earn rewards points on eligible international purchases on your Macquarie Black or Platinum credit card.
This could mean savings for you if you regularly travel or shop online with international merchants.
How does foreign currency conversion work for credit cards?
Whenever you make an in-store or online purchase or use your credit card to obtain a cash advance, in a currency other than Australian dollars, the transaction will be converted to Australian dollars. When you complete the payment, you might be given the choice to pay in the foreign currency or convert the amount to Australian dollars.
If you choose to pay in the foreign currency, this amount will be converted to Australian dollars by Visa, using the applicable exchange rate on the date the purchase is debited to your account. Remember, exchange rates may fluctuate between the time your purchase is authorised and the time we debit your account.
Under the Visa scheme, if the purchase is made in United States dollars, Canadian dollars, New Zealand dollars, Singapore dollars, Pounds Sterling, Euros or Japanese Yen then the amount will be converted directly into Australian dollars. Purchases made in any other foreign currency will be converted into United States dollars before being converted into Australian dollars. The online conversion rate calculator shows you the indicative rates set by Visa for these conversions.
If you choose to pay in Australian dollars, the merchant will convert the foreign currency into Australian dollars at the time of the transaction. This is called ‘dynamic currency’ conversion. The exchange rate is not determined by Visa but by the merchant’s dynamic currency conversion service provider.
You won’t incur an international transaction fee, however some merchants may charge additional fees, so choosing to pay in Australian dollars can be more costly.
You might come across dynamic currency conversion if you’re:
Statements will be available online monthly, at the end of each billing cycle. You’ll receive a credit card statement monthly if you’ve made transactions during that period. See Understanding Interest for further information.
Please contact us to close your account:
This information is provided by Macquarie Bank Limited AFSL and Australian Credit Licence 237502 and does not take into account your objectives, financial situation or needs. You should consider whether it is appropriate for you. Lending criteria, fees and T&Cs apply.
Apple, the Apple logo & iPhone are trademarks of Apple Inc, registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
Android, Google Pay, Google Chrome and the Google Logo are trademarks of Google LLC.
Approval is subject to Macquarie credit criteria and suitability assessment. Terms and conditions apply and are available upon request. Fees and charges apply.
Applicable only if your account is paid in full by the due date shown each month (excluding any Interest Free Finance balances that are in the specified promotional period). Interest rates are variable and subject to change.
We don’t charge fees for card purchases or transactions made or processed outside Australia but others, such as the banks of international merchants, might.
Visa's Zero Liability policy covers Australian and New Zealand-issued cards and does not apply to ATM transactions, transactions not processed by Visa or certain commercial card transactions. Cardholders should notify their issuer promptly of any unauthorised Visa use. Please consult Macquarie for additional details.
The Macquarie RateSaver Card is not available in a Home Loan Package.
