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Macquarie Black Card with Qantas Points ($99
Annual Fee First Year)

Macquarie Black Card with Qantas Points ($99
Annual Fee First Year)

Product Image

Purchase Rate
20.70 %
p.a.




Cash Advance Rate 21.95% p.a.
Interest Free Up to 55 days
Annual Fee$299
Balance Transfer Rate 0% p.a.for first 14 months

  • Up to 55 days interest free on purchases (3)
  • Up to 4 additional cardholders with no annual fee.
  • 0% p.a. interest on balance transfers for the first 14 months from card approval and then reverts to the standard variable interest rate for purchases.(2)
  • Complimentary insurances, including International and Interstate Travel Insurance, Transport Accident, Purchase Security and Extended Warranty Insurance.(4)
  • Complimentary 24/7 concierge service.
  • Visa payWave functionality.
  • 1 Qantas Point per $1 spent on eligible purchases, up to $4,000 spend per statement period. Then 0.5 Qantas Points per $1 spent for remainder of statement period. (1)
  • Microchip for extra security.
  • Global acceptance of Visa.
  • Access to Visa Entertainment and Visa Platinum benefits.
  • Visit macquarie.com.au/cards for full details and terms and conditions.

Card Details

Rewards Program Overseas ATM Availability
Insurance Cover for Purchases Automatic Travel Insurance

Rewards Program

  • Qantas Frequent Flyer Rewards
Rewards Points per Dollar 1 Linked to Frequent Flyer
Spend to Redeem $100 Gift Card* Frequent Flyer Ratio
Spend at Loyalty Partner for $100 Gift Card* SPEND FOR SYD/MEL RETURN* $16000

Lifetime of Points
Rewards Program Partners
Rewards Bonus Points Partners
Domestic Airlines Qantas, Jetstar
International Airlines
Conditions Qantas Points are earned up to up to $4,000 spend per statement period and earned in accordance with and subject to the Macquarie Qantas Rewards Program Terms and Conditions.

Annual Fee $299 Minimum Repayment Greater of 2.5% or $50
Annual Fee First Year $99 Interest Charged From Purchase Date
Rewards Joining Fee $0 Late Payment Fee $35
Supplementary Card Fee $0    
Duplicate Statement Fee $7 Overseas ATM Balance Fee
Transaction Verification Fee $8 Overseas ATM Withdrawal Fee
Over Limit Fee $30 Overseas Emergency Card Replacement Fee

Terms & Conditions
Macquarie Bank Limited ABN 46 008 583 542 AFSL and Australian Credit Licence 237502 (MBL). All applications are subject to Macquarie’s standard credit approval criteria. An annual fee for the Primary Macquarie Black Card applies, currently $99 for the first year, then $299 ongoing. Other fees and charges may apply. 1. Qantas Points are earned in accordance with and subject to the Macquarie Qantas Rewards Program Terms and Conditions, available at Macquarie Online Banking and macquarie.com.au/cards. You will earn 1 Qantas Point per $1 spent on eligible purchases on the Macquarie Black Card on up to $4,000 spend per statement period, then 0.5 Qantas Points per $1 spent on eligible purchases for the remainder of that statement period with no points cap. Qantas Points are not earned on cash advances, balance transfers or other restricted transactions detailed in the Macquarie Qantas Rewards Program Terms and Conditions. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. Complimentary membership is provided by Macquarie Bank Limited for new or existing Macquarie Platinum and Macquarie Black cardholders who are not already members of the Qantas Frequent Flyer Program and who apply for membership online at qantas.com/joinffmacquarie. This offer is non-transferable and not available in conjunction with any other offer. Qantas Frequent Flyer membership and each application is subject to approval by Qantas. Membership and the earning and redemption of Qantas Points are subject to the Qantas Frequent Flyer Program terms and conditions. Find out more about the Qantas Frequent Flyer Program at qantas.com/terms or call 13 11 31 2. The 0% pa interest rate 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% pa for the Macquarie Black Card. Interest rates are subject to change and Macquarie Card Services credit criteria. Minimum repayments are required. Card repayments will be applied last to the repayment of transferred balances that are in the promotional interest rate period. For further details refer to the Balance Transfer Terms and Conditions. 3. Applicable only if your account is paid in full by the due date shown each month (including any balance transfers but excluding any Interest Free Finance balances that are in the specified promotional period). 4. Overseas Travel Insurance, Interstate Flight Inconvenience Insurance, Transport Accident Insurance, Purchase Security Insurance, Extended Warranty Insurance and Global Hire Car Excess Waiver are underwritten by ACE Insurance Limited (ABN 23 001 642 020, AFSL No. 239687) (ACE) and are subject to the terms, conditions and exclusions contained in the Macquarie Bank Black Card policy of insurance between Macquarie Bank Limited (ABN 46 008 583 542 AFSL No. 237502) (MBL) and ACE. This booklet doesn't take into account your objectives, financial situation or needs. It is important for you to read Macquarie Bank Credit Card Insurances Terms and Conditions available by calling 1300 150 300 and consider the appropriateness of that insurance in relation to your individual requirements.


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* For cards with reward programs that allow you to earn points, unless otherwise noted, the best case scenario of everyday spending is used when calculating the spend required to earn a reward. Everyday spending does not include bonus points that may be earned by shopping with loyalty partners. For rewards programs that have monthly caps, we assume you stay under that cap and for products with two cards, we assume spending is with the highest earning card. For programs that allow you to convert points for air travel at a price that changes from day to day, we have assumed that the flight is $300 (taxes and charges inclusive).

Visa® is a registered trademark of Visa International Services Association.
The MasterCard® brand is a registered trademark of MasterCard International Incorporated.

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