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.
* To be eligible for the bonus Macquarie Reward points offer, you must apply and be approved for a Macquarie Black Card with Macquarie Rewards. Receive 60,000 bonus Macquarie Reward points if you spend $3,000 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 60,000 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 have no points cap on the Macquarie Black 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 An annual fee for the Primary Macquarie Black Card applies, currently $99 for the first year, then $249 ongoing for the Macquarie Black Card. 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 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.
4 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).
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 Black Card policy of insurance between Macquarie Bank Limited (ABN 46 008 583 542 AFSL No. 237502) (MBL) and Chubb. This brochure doesn\'t take into account your objectives, financial situation or needs. It is important for you to read Macquarie Black 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 Concierge Services are provided by International SOS (Australasia) Pty Ltd, trading as Aspire Lifestyles. The booking must be made through concierge and the cost of transfer must be paid for with your Macquarie Black Card. The discount will be applied at the time of booking. If a booking is cancelled within 24 hours of the scheduled time, you will still be charged for the booking. Limousine travel is subject to availability.
8 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.