Your choice of flexible Macquarie Rewards

The Macquarie Black card offers the opportunity to earn generous Macquarie Reward Points1.

Macquarie Black credit card

Earn up to?$54 in gift cards?when you spend $5,000 per month on your Black card with Macquarie Rewards1.

Flexible rewards

  • Earn 2 Macquarie Reward Points per $1 spent1.
  • Redeem eGift cards from over 50 popular Australian retailers.?
  • Keep track of your points and redemptions with online and mobile banking. Your points are ready to use whenever you like.

No international purchase fees

  • We don’t charge international purchase fees when you shop overseas or with international online retailers6.
  • Receive the Visa foreign exchange rate, with no additional fees or charges.

Interest free periods

  • Take advantage of up to 55 days interest free on purchases5.
  • Need a balance transfer? Get a 0% p.a. balance transfer for 14 months from credit card approval3. Plus keep your interest free period on purchases5.

Additional card holders

Request up to 4 free additional cardholders.2

Security and insurance

  • Overseas Travel Insurance for you, your spouse and any dependent children4.
  • Extended Warranty Insurance on your purchases4.
  • Interstate Flight Inconvenience Insurance4.

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More ways to pay

  • Add your Visa credit card to your mobile or wearable with Apple Pay and Google Pay.
  • Lost your card? No need to wait for your new card to arrive - continue using mobile payments in place of your lost, stolen or damaged card.
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Receive 20,000 bonus Macquarie Reward Points

Apply and be approved for the Macquarie Black Card with Macquarie Rewards and you'll receive 20,000 Macquarie Reward Points* when you spend $2,000 on eligible purchases within 60 days of approval. Redeem your points via online banking or in our mobile banking app.

This offer is not available to applicants who have a credit card as part of a home loan package.
A woman with glasses holding a top in a well lit retail shop

Macquarie Rewards

With the Macquarie Black Card you'll have access to the Macquarie Rewards1 program, which offers 2 points per $1 spent with your card on eligible purchases. Redeem?eGift cards using Macquarie Marketplace, from over 50 popular retailers including Myer, Woolworths and Jetstar.
Home loan savings

Using your credit card and offset account

Using your credit card and offset account

  • One way to make the most of your offset home loan is to use your accompanying credit card for your day-to-day purchases.
  • When you keep savings in your offset account and pay off your credit card balance in full before your interest free period ends, you could minimise both the amount of interest you pay on your home loan and the interest you pay on purchases.
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Added security

Protect your account and personal information

Protect your account and personal information

  • The Macquarie Authenticator app provides an extra layer of security that helps protect your account and personal information and is our most secure way to authenticate.
  • It's a mobile app that sends actionable push notifications for you to approve or deny online transactions and account activity. There’s also an option to generate a unique one-time rolling code as an alternative authentication method.
A person in a cafe close up shot of their hand holding a phone with the Macquarie authenticator app open
Budgeting and saving

Tools for budgeting and saving

Tools for budgeting and saving

  • Get to know your spending. Each time you make a transaction, it’s automatically categorised into a group such as groceries, travel, leisure or technology.
  • Create smart budgets for anything in an instant, then see how you're tracking at a glance and over time.
A hand holding a phone (iPhone X) with the Macquarie app open showing the spending and budgeting feature
Track spending

Transaction notifications

Transaction notifications

  • Get the added security of real time notifications – opt in on your device.
  • Whenever you make a transaction on your Macquarie credit or debit card, you’ll receive a push notification, so you know the correct transaction has been processed either instore or online.
  • For foreign currency transactions, the alert shows the spend amount in local currency and Australian dollars.
Shot from over the shoulder, a person is logged into Macquarie eBanking on their laptop in their living room.
Travel assistance

Digital tools for travelling

Digital tools for travelling

  • When you log into the Macquarie Mobile Banking app at your overseas destination, the Travel Mode feature will reflect your location and the local exchange rate.?
  • You’ll also have quick access to our international support contact details.
  • Easily lock and unlock your card in the app if your card is lost or stolen.

    ?

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Interest rates

Interest rates are variable and subject to change.

Rate Transaction type
20.70% p.a. Interest rate charged on purchases
20.70% 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).

Account fees

Fee type Fee amount

Annual fee2

The annual fee is charged when you activate your card, then annually on the anniversary of the date we first issued your card.

$149

Additional cardholders

Up to 4 free additional cardholders then $10 per additional card holder
Information request fee
$7

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

Over the counter transaction fee

Any payment made at Australia Post outlets by cash, cheque, or EFTPOS, debited to your account when the payment is credited to your account.

$2 per payment

Overlimit fee~

Applies if the balance of your account exceeds your credit limit at any time during a statement period and you have provided your consent to incur a fee related to this service. This amount will:

(a) be debited to your account at the time your account first exceeds your credit limit during a statement period

(b) be debited to your account on the first day of each subsequent statement period(s) that your account continues to exceed your credit limit.

~ For new customers, this functionality is not available.? For existing customers, if you?have not already provided your consent, this feature has been disabled.

$30

Dishonour fee

Applies each time a payment to your account is dishonoured, debited to your account at the time of dishonour.

$10 per payment

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.

$35 per statement period?

Voucher request fee

Debited to your account at the time of the request (refunded if a dispute is resolved in your favour).

$8 per requested sales receipt provided by a third party

Statement fee

For statements delivered to you by post.?
?

Your statement will be made?automatically accessible on?Macquarie Online banking?and via the?Macquarie Banking app?at no cost. To request paper statements, please contact us on?1300 150 300.

$2.50 per month?

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Card and transaction limits

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 $100 per transaction

Daily BPAY? limit

Some billers may impose their own limits.

Up to the available balance of your account

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Terms, conditions and documents

Terms and conditions Link
Balance transfers terms and conditions View terms
Conditions of use booklet Download PDF
Electronic Banking?terms and conditions View terms
Macquarie Bank Black Card Insurance?terms and conditions
Download PDF
Macquarie Rewards Program?terms and conditions
Download PDF
Documents
Link
Additional card holder form Download PDF

Authorised representative request form

Download PDF
Balance transfer request form Download PDF
Credit guide Download PDF
Direct debit request form Download PDF
Identity theft prevention kit Download PDF
Macquarie Black Card Features and Benefits Guide (Macquarie? Rewards)
Download PDF
Understanding Interest Download PDF

You can apply if you

  • are packaging the card with a home loan or are an existing Macquarie customer
  • are 18 years old or over
  • are a permanent resident of Australia
  • have a good credit rating
  • earn a minimum taxable income of $70,000 per annum.

You'll need details of your

  • gross annual salary
  • monthly expenses
  • current employer (address and phone number)
  • accountant (if self-employed/retired), and
  • Australian driver's licence number (if you have one).

Next steps

Compare and find the best card for your needs.

Frequently asked questions

Our rewards program is digital and offers a range of eGift cards for you to choose from. You can redeem your Macquarie Rewards points for eGift cards at over 40 leading retailers including Myer, Woolworths, Jetstar, Harvey Norman, Amart, JB Hi Fi and Bunnings Warehouse.

You can also choose to redeem points for Cashback into an eligible Macquarie account.?

As our program is now fully digital, we don’t offer physical gift cards.

The table below outlines the number of Macquarie Rewards points and eligible credit card spend required to redeem eGift cards:?
?

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Required eligible spend on Macquarie Credit Card

?

Reward? ? ? ? ?

Points Required

Platinum? ? ? ?

Black? ? ? ? ??

eGift cards??

?

?

?

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$20

3,850

$3,080

$1,925

$50

9,625

$7,700

$4,813

$100

19,250

$15,400

$9,625

$200

38,500

$30,800

$19,250

$500

96,250

$77,000

$48,125

$1000

192,500

$154,000

$96,250

?

?

Required eligible spend on Macquarie Credit Card

?

Reward? ? ? ? ?

Points Required

Platinum? ? ? ?

Black? ? ? ? ??

Cashback

?

?

?

?

?

$20

5,500

?$4,400

?$2,750

$50

13,750

?$11,000

?$6,875

$100

27,500

?$22,000

?$13,750

$200

55,000

?$44,000

?$27,500

$500

137,500

?$110,000

?$68,750

$1,000

275,000

?$220,000

?$137,500

A balance transfer is a request to transfer part, or all, of your outstanding balance from another credit card to your Macquarie credit card account.

Balance transfers?are one of the easiest ways to consolidate your existing credit card debts and potentially save on interest repayments. Make sure you consider closing the credit card you’re transferring from to avoid unwanted fees and further debt.
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How does a balance transfer work?
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When you request a balance transfer, we will either BPAY? funds or arrange a cheque to your nominated card account and debit this to your Macquarie card account. Please allow up to five business days after card activation for balance transfer requests to be processed. Balance transfers are subject to the Balance Transfer Terms and Conditions.

Please note that you won’t receive your 55-day interest free period if you have a balance transfer on your card.
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What is the limit for balance transfers?
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The limit on balance transfers is equal to the credit limit on your card, less $500. If the amount of your balance transfer exceeds your limit, we’ll contact you before processing your request. The minimum balance transfer is $500.
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When can I request a balance transfer?
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You can request a balance transfer when you apply for a card or any time after by completing a balance transfer request through Macquarie Online.
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? ?Registered to BPAY Pty Ltd ABN 69 079 137 518

We appreciate this is a very difficult time for the many Australians impacted by coronavirus (COVID-19).

In light of the current level of financial uncertainty many borrowers are facing, we are temporarily pausing credit limit increase applications.?

You can decrease your credit limit at any time via your Macquarie Online Banking account by following the below steps:

?

  1. Click on your credit card account
  2. Select Account details?at the top of the screen
  3. Select Decrease limit. This appears on the right of the screen next to Account summary.
Lost or stolen credit card
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To report a lost or stolen card, call us on 1300 150 300 (+61 2 8232 1684) at any time.
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If your card is lost or stolen, please let us know right away and we’ll cancel your card to protect your account. Once cancelled, we will:
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  • instantly issue your new card into your mobile banking app. You can then add this card instantly and securely into your mobile device’s payment wallet, allowing you to continue spending without having to wait for your new physical card in the mail
  • send you a replacement card as quickly as possible. In most cases, your new card will arrive in 3–5 business days. Once you’ve reported your card lost or stolen, the physical card will be locked and you won’t be able to use it for transactions. You’ll need to update your direct debits with your new credit card number. Any additional cardholders on your account can continue using their card.
    ?
Misplaced credit card
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If you misplace your credit card, you can apply a temporary lock on your card to protect your account. This prevents new payments being made on your card, and in some cases may result in existing direct debits or authorised payments to be declined. You’ll need to review all direct debits and authorised payments connected to the account. You can unlock your card at any time.
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To place a temporary lock on your card in the Macquarie Mobile Banking app:
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  1. Select the card icon in the left side menu
  2. Scroll to the relevant card account
  3. Select Lock card
  4. Select Lock on the pop-up message.
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To place a temporary lock on your card in Macquarie Online Banking:
?
  1. Select the relevant account
  2. Select Lost or stolen card
  3. Toggle to Lock card.
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You can unlock your card by following the steps above and selecting Unlock card.
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:
?
  • shopping online with an international merchant and the prices are displayed in Australian dollars, or
  • travelling overseas and you’re given the option to pay your hotel or restaurant bill in either Australian dollars or the local currency.
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:
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  • Macquarie Cash Management Account: 1800 806 310 (+61 7 3233 8111), 8am to 7pm (AEST/ADST) Monday to Friday or send in a signed request to?transact@macquarie.com
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  • Macquarie Consolidator Cash Account: 1800 806 310 (+61 7 3233 8111), 8am to 7pm (AEST/ADST) Monday to Friday or send in a signed request to?transact@macquarie.com
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  • All other bank accounts: 133 174 (+61 2 8245 4470), 24/7
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  • Macquarie Credit Card: 1300 150 300 (+61 2 8232 1684) or via Macquarie Online banking, 24/7, by following the below steps:
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  1. Click on your credit card account
  2. Select Account Details?at the top of the screen
  3. Select Close Account. This appears on the right of the screen next to Account Summary.
???????
  • Macquarie Home Loan: 1800 007 722 (+61 2 8245 4383), 8.30am to 5.30pm (AEST/ADST) Monday to Friday
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  • Macquarie Wrap: Please contact your financial adviser for assistance. Your adviser will need to cancel any automated plans that you may have in place
? ?
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Contact us

24 hours a day, 7 days a week

1300 150 300

Home loan package

Package your home loan with a credit card.

Help and support

Visit our online?Help Centre.
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Additional information

This information is provided by Macquarie Bank 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. Allow up to 10 working days to process your application.

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.

BPAY is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518

Our credit cards are 5-star Canstar rated for Outstanding Value Travel Credit Card for 2019/2020.

Approval is subject to Macquarie credit criteria and suitability assessment. Terms and conditions apply and are available upon request. Fees and charges apply. Allow up to 10 working days to process your application.

*

To be eligible for the bonus Macquarie Reward points offer, you must apply and be approved for a Macquarie Black Card with Macquarie Rewards or Macquarie Platinum Card with Macquarie Rewards. Receive 20,000 bonus Macquarie Reward points if you spend $2,000 on eligible purchases within 60 days of card approval. 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 20,000 bonus Macquarie Reward points will be credited to your Account within 60 days of meeting the spend criteria, provided that you are not in breach of the Conditions of Use and your Account remains open. Offer is limited to new applicants only. This offer is not available to applicants who have applied for a credit card as part of a home loan package.

1

Macquarie Reward points are earned on up to $200,000 of spend annually on the Macquarie Visa Platinum Card and no points cap on the Macquarie Black Card. Macquarie Rewards are subject to the Macquarie Rewards Program Terms and Conditions. Macquarie Reward points are not earned on cash advances, balance transfers or other restricted transactions detailed in the Macquarie Rewards Program Terms and Conditions.

2

The annual fee information displayed on this page applies to new customers only. Existing customers may be subject to a different annual fee and should refer to their Financial Table for the annual fee that applies to their account. Other fees and charges may apply.

3

The 0% p.a. applies to balances transferred with this offer for the first 14 months from the date your account is approved and then reverts to the standard variable interest rate for purchases, which is currently 20.70% p.a. for the Macquarie Black Card and the Macquarie Platinum Card, and 15.95% p.a. for the Macquarie RateSaver Card. Interest rates are variable and subject to change. Minimum repayments are required. For further details refer to the Balance Transfer Terms and Conditions.

4

Overseas Travel Insurance, Interstate Flight Inconvenience Insurance, Transport Accident Insurance, Purchase Security Insurance, Extended Warranty Insurance and Global Hire Car Excesses Waiver are underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) (Chubb) and are subject to the terms, conditions, excesses and exclusions contained in the Macquarie Bank Platinum Card policy of insurance or in the Macquarie Black Card policy of insurance between Macquarie Bank Limited (ABN 46 008 583 542 AFSL No. 237502) (MBL) and Chubb. This information does not take into account your objectives, financial situation or needs. It is important for you to read Macquarie Bank Platinum Card Insurance Terms and Conditions or Macquarie Bank Black Card Insurance Terms and Conditions available by calling 1300 150 300 and consider the appropriateness of that insurance in relation to your individual requirements.

5

Applicable only 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). Interest rates are variable and subject to change.

6

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.

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