Macquarie Bank

Macquarie Bank credit cards

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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.