Macquarie Bank Credit Card – How to Apply

Looking for a credit card that offers exciting rewards at a low cost? A Macquarie Bank credit card is just right for you.


With a selection of cards to choose from, you are sure to get the best value for your money.

Read on to find out how you can apply for a Macquarie Bank credit card.


Macquarie Bank Credit Card Features and Benefits

The best thing about a Macquarie Bank Credit Card is the advantages on offer. For the best rewards and rates, the Macquarie Black Card is the best choice for you. With Macquarie Rewards, you can earn points which you can redeem for exciting perks and deals.


Every $1 you spend earns you 2 reward points. The good news is you can earn as many points as you want without a cap.

If you are looking to earn points faster, this Visa card offers 20,000 BONUS points after $2,000 of purchases are made within 60 days of card issuance. Just keep in mind that cash advances, balance transfers, and other restricted transactions are not qualified for the rewards program.

There are many ways you can spend your points. You can redeem them for eGift Cards, which can be spent on various Australian and global merchants.

If you are looking for a credit card that offers a rewarding banking experience at low cost, Macquarie Bank Credit Card is for you. Here's how to apply...

Applying for a Macquarie Bank Credit Card

Applying for a Macquarie Bank credit card is made simple via the online application process. All you need to do is visit the Macquarie Bank website, fill out the credit card application form, and upload your supporting documents. If you prefer, you can also apply at your nearest branch.

You are eligible for this card if you are 18 years old and above, a permanent resident of Australia, have a good credit rating, and are earning a minimum taxable income of $70,000 per year. Keep in mind that your credit score is important as it can influence your credit limit.

During your application, you will be asked to provide details regarding your gross annual salary, current employer, and your accountant if you are retired or self-employed. You also need to provide information about your monthly expenses, as well as your driver’s license number.

If approved, your credit limit will be determined by the bank depending on your income, expenses, and credit score. Generally, this could be anywhere from $500 to $50,000.

Macquarie Bank Credit Card Fees and Charges

  • 20.70% on purchases
  • 20.70% on cash advances
  • 0% on balance transfers for 14 months from approval
  • $149 annual fee
  • $10 per additional cardholder after the first 4
  • $7 info request fee
  • $0 international purchase fee
  • $5 or 3% cash advance fee (whichever is more)
  • $2 over the counter transaction fee
  • $30 over limit fee
  • $35 late payment fee

Macquarie Bank Credit Card and Travel

One of the best perks the Macquarie Black card provides is its travel service.

You will be welcomed by an airport concierge upon arrival, complete with assistance from the plane to your transportation. During departure, you will also be aided by your airport concierge.

Bank Contact Info and Address

You can contact the bank regarding credit cards by calling their customer service line at 1300 150 300. For overseas customers, call +61 2 8232 1684.

Their address is located at Macquarie Bank Limited, 1 Shelley Street, Sydney NSW 2000.


With a Macquarie Bank credit card, particularly the Black Card, you can experience VIP treatment, complete with rewards at a low cost.

If you are interested in applying and taking advantage of these features and benefits, get in touch with Macquarie Bank today.

Note: There are risks involved when applying for and using a credit card. Please see the bank’s Terms and Conditions page for more information.