Macquarie Bank
Macquarie Bank

Macquarie Platinum Card with Macquarie Reward Points

Purchase Rate
20.70% p.a.
Cash Advance Rate
20.70% p.a.
Interest Free
Up to 55 days
Annual Fee
Balance Transfer Rate
0% p.a. for first 14 months
  • Receive 20,000 bonus Macquarie Reward points when you apply and be approved for the Macquarie Platinum Card with Macquarie Rewards and spend $2,000 on eligible purchases within 60 days of approval.
  • Up to 55 days interest free on purchases
  • 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.
  • Complimentary insurances, including International and Interstate Travel Insurance, Transport Accident, Purchase Security and Extended Warranty Insurance.
  • Complimentary 24/7 concierge service.
  • Visa payWave functionality.
  • Microchip for extra security.
  • Global acceptance of Visa.
  • Access to Visa Entertainment and Visa Platinum benefits.
  • Visit for full details and terms and conditions.

Key Features
Rewards Program
Joining Fee
Annual Fee
Insurance Cover
for Purchases
Overseas ATM
Automatic Travel

Rewards Program

Fee & Repayments

Annual Fee $99.00
Annual Fee First Year $99.00
Rewards Joining Fee $0.00
Supplementary Card Fee $0.00
Minimum Repayment Greater of 2.5% or $50.00
Interest Charged From PurchaseDate
Late Payment Fee $20.00

Rewards Program

Rewards Points per Dollar 1.25
Linked to Frequent Flyer
Spend to Redeem $100 Gift Card* -
Frequent Flyer Ratio
Spend at Loyalty Partner for $100 Gift Card*
Lifetime of Points
Rewards Program Partners
Rewards Bonus Points Partners
Domestic Airlines
International Airlines

Other Charges

Duplicate Statement Fee $7.00
Overseas ATM Balance Fee $0.00
Transaction Verification Fee $8.00
Overseas ATM Withdrawal Fee $0.00
Over Limit Fee $0.00
Overseas Emergency Card Replacement Fee -
Terms & Conditions
* To be eligible for the bonus Macquarie Reward points offer, you must apply and be approved for a Macquarie Platinum Card with Macquarie Rewards. Receive 20,000 bonus Macquarie Reward points if you spend $2,000 on eligible purchases within 60 days of card approval. Eligible purchases exclude cash advances, balance transfers or other restricted transactions detailed in the Macquarie Rewards Program Terms and Conditions. Eligible purchases include those made by the primary cardholder and any additional cardholders on the credit card account. The 20,000 bonus Macquarie Reward points will be credited to your Account within 60 days of meeting the spend criteria, provided that you are not in breach of the Conditions of Use and your Account remains open. Offer is limited to new applicants only. This offer is not available to applicants who have applied for a credit card as part of a home loan package. 1 Macquarie Reward points are earned on up to $200,000 of spend annually on the Macquarie Platinum Card. Macquarie Rewards are subject to the Macquarie Rewards Program Terms and Conditions. Macquarie Reward points are not earned on cash advances, balance transfers or other restricted transactions detailed in the Macquarie Rewards Program Terms and Conditions. 2 The annual fee information displayed on this page applies to new customers only. Existing customers may be subject to a different annual fee and should refer to their Financial Table for the annual fee that applies to their account. Other fees and charges may apply. 3 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 Platinum 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. 4 Applicable only if your account is paid in full by the due date shown each month (excluding any balance transfers and Interest Free Finance balances that are in the specified promotional period). 5 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 Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) (Chubb) and are subject to the terms, conditions and exclusions contained in the Macquarie Bank Platinum Credit Card policy of insurance between Macquarie Bank Limited (ABN 46 008 583 542 AFSL No. 237502) (MBL) andChubb. This brochure doesn't take into account your objectives, financial situation or needs. It is important for you to read the Macquarie Platinum Card Insurance Terms and Conditions available by calling 1300 150 300 and consider the appropriateness of that insurance in relation to your individual requirements. 6 The information contained in this calculator is by way of example only and should not be regarded as a prediction, or as personal advice. Calculations are not forecasts or projections but is a tool that may assist you to make your own projections. The calculator is not intended to be a substitute for professional financial advice. Other than as required under consumer protection law, under no circumstances will Macquarie be liable for any loss or damage caused by a user's reliance on information obtained by using this calculator. Macquarie specifically disclaims any liability for any direct or indirect damages arising out of or in any way connected with the access to or use of this calculator. The information in this calculator does not constitute an offer to lend, or imply the product is suitable for you. If you wish to apply for a credit card, then you need to complete the application form available from our staff. 7 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. 8 Concierge Services are provided by Aspire Lifestyles (Australia) Pty Ltd. Accessing concierge services is free but you must pay for the goods or services that you purchase through the service.

* 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).

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