Macquarie Ratesaver Card

General Lending Rates

Product Variations

Product Features

• Interest Free Additional Information: Up to 55 days interest free on purchases.

• Digital Wallet

• Additional Cards Additional Information: A primary cardholder can apply for an additional cardholder to be added to their account.

• Digital Banking Additional Information: Mobile and Online banking

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

• Fraud Protection Additional Information: Macquarie Authenticator is our two-factor authentication app designed to maximise your security

Product Eligibility

• Min Income - 50000.00. Additional Information: Earn a minimum taxable income of $50,000 per annum.

• Residency Status - Must Be A Permanent Resident Of Australia..

• Min Age - 18.

• Other Additional Information: Approval is subject to Macquarie credit criteria and suitability assessment.

• Other Additional Information: Credit cards may be made available for Macquarie home loan customers, Business Bank clients and Private Bank clients.

Bank Fees and Charges

• Annual Fee Primary Cardholder (Periodic), Amount: 69.00.

• Cash Advance Fee (Withdrawal), Amount: 5.00. Additional Information: $5.00 or 3% of the value of the transaction, whichever is the greater.

• International Purchase Fee (Purchase), Amount: 0.00. Additional Information: 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.

• Late Payment Fee (Event), Amount: 20.00.

 Limitations & Restrictions (Constraints)

• Min Limit of 2000.00 Additional Information: The credit limit we give you will depend on your ability to meet your repayments.