Macquarie Bank

Macquarie Bank credit cards

Macquarie Black Credit Card with Macquarie Rewards

Macquarie Black Credit Card with Macquarie Rewards

Highlights

Earn 2 Macquarie Reward points per $1 spent.
Earn up to $54 in gift cards when you spend $5,000 per month.
Up to 4 free additional card holders.

Pros

No international purchase fees.
Earn 2 Macquarie Reward points per $1 spent.
Macquarie Rewards points can be redeemed for virtual gift cards or as cashback.
$54 in gift cards when you spend $5,000 per month.
Up to 55 days interest-free on purchase.
Comes with complimentary overseas travel insurance and an extended warranty on purchases.
Compatible with Apple Pay and Google Pay.

Cons

The $149 p.a. annual fee.
Points can't be transferred to airline rewards programs.
Interest rates are about average for a rewards card, i.e. not very low.

Macquarie Visa Platinum Credit Card

Macquarie Visa Platinum Credit Card

Highlights

Earn up to $20 in gift cards when you spend $3,100 monthly. Terms and Conditions apply.
Earn 1.25 Macquarie Reward points per $1 spent.
Up to 4 free additional cardholders, plus room to add more at a cost.

Pros

No international purchase fees.
Up to 55 days interest-free on purchase.
Compatible with Apple Pay and Google Pay.

Cons

The $99 p.a. annual fee.
Samsung Pay is not supported.
Macquarie Rewards have no airline partners.

Macquarie Visa RateSaver Credit Card

Macquarie Visa RateSaver Credit Card

Highlights

Enjoy a low standard interest rate of 15.95% p.a. on purchases and cash advances.
Up to 55 days interest-free on purchases.
$0 international purchase fees.

Pros

Low ongoing interest rate.
Get up to 55 interest-free days on purchases.
Get up to 4 additional cardholders for free.

Cons

No rewards program.
Limited travel benefits since this is a no-frills card.
No overseas travel insurance cover.

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