Earning points

You earn Macquarie Rewards points on your eligible spend.

Eligible purchases exclude cash advances, balance transfers or other restricted transactions detailed in the Macquarie Rewards Program Terms and Conditions

Eligible purchases include those made by the primary cardholder and any additional cardholders on the credit card account.

The points earn rate on eligible spend differs between the Macquarie Platinum and Macquarie Black cards.

 Macquarie Platinum CardMacquarie Black Card
Macquarie RewardsEarn 1 Macquarie Reward point for every $1 spent on eligible purchases up to and including $5,000, then earn 0.5 Macquarie Reward points for every $1 spent on eligible purchases over $5,000 in a given statement period.
Earn 2 Macquarie Reward points for every $1 spent on eligible purchases up to and including $10,000, then earn 0.5 Macquarie Reward points for every $1 spent on eligible purchases over $10,000 in a given statement period.

Earning points overseas

You’ll continue to earn points per Australian dollar spent on eligible purchases while travelling overseas.

To learn more about eligible purchases, see How do I earn points? and Can I earn points on all transactions on my credit card?

You’re unable to earn points of the following transactions: 

  • GST and government charges, including fines paid to any government agency
  • payments made to the Australian Tax Office
  • interest and other bank fees and charges, including any GST payable on any of these
  • BPAY® payments, such as bill payments and other payments made through the BPAY Electronic Payments Scheme
  • cash advances
  • transactions for items that are directly convertible to cash, including, but not limited to, purchase of foreign currency and travellers cheques, or cash equivalent transactions
  • balance transfers
  • transactions deemed by us to be for operating a business or in connection with business expenditure
  • transactions that are reversed, such as refunds
  • payments for credit card protection insurance
  • transactions used for gambling purposes, including gambling chip and lottery ticket purchases.

Refunded purchases

If your account is credited with a refund from a merchant, the equivalent number of points will be deducted from your account.

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Unless stated otherwise, this information is provided by Macquarie Bank Limited AFSL and Australian Credit Licence 237502 (MBL) and does not take into account your objectives, financial situation or needs. You should consider whether it is appropriate for you. Finance is subject to our credit approval criteria. Terms and conditions apply and may change without notice.

Apple Pay, 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 Pay, the Android Logo and Google Play are trademarks of Google Inc. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. BPAY is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518.

Other than MBL, none of the Macquarie Group entities referred to are authorised deposit-taking institutions for the purposes of the Banking Act 1959 (Cth), unless noted otherwise. Their obligations do not represent deposits or other liabilities of MBL. Unless otherwise stated, MBL does not guarantee or otherwise provide assurance in respect of the obligations of that entity.

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