Macquarie RateSaver Card

Purchase Rate

15.95 %
p.a.
Cash Advance Rate
15.95% p.a.
Interest Free
Up to 55 days
Annual Fee
$69.00
Balance Transfer Rate
0% p.a.
for first 14 months
  • Low ongoing interest rate.
  • Low annual fee.
  • Microchip for extra security.
  • Global acceptance of Visa.
  • Access to Visa Entertainment.
  • Visit macquarie.com.au/cards for full details and terms and conditions.
  • Zero liability unauthorised purchases with Visa’s Zero Liability Policy*

Card Details

Rewards Program Overseas ATM Availability
Insurance Cover for Purchases Automatic Travel Insurance
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 on macquarie.com.au/personal. Up to 55 days interest free on purchases only applies 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). 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 15.95% pa for the Macquarie RateSaver 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. *Visa's Zero Liability policy covers Australian and New Zealand-issued cards and does not apply to ATM transactions, transactions not processed by Visa or certain commercial card transactions. Cardholders should notify their issuer promptly of any unauthorised Visa use.

* 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.

Macquarie RateSaver Card

Purchase Rate 15.95 % p.a.
Cash Advance Rate 15.95% p.a.
Interest Free Up to 55 days
Annual Fee $69.00
Balance Transfer Rate 0 % p.a. for first 14 months

Top Features

  • Low ongoing interest rate.
  • Low annual fee.
Show More Top Features

More Information

Rewards Program
Overseas ATM Availability
Insurance Cover for Purchases
Automatic Travel Insurance
Annual Fee $69.00
Minimum Repayment Greater of 2% or $50.00
Annual Fee First Year $69.00
Interest Charged From PurchaseDate
Rewards Joining Fee -
Late Payment Fee $35.00
Supplementary Card Fee $10.00
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 $30.00
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 on macquarie.com.au/personal. Up to 55 days interest free on purchases only applies 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). 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 15.95% pa for the Macquarie RateSaver 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. *Visa's Zero Liability policy covers Australian and New Zealand-issued cards and does not apply to ATM transactions, transactions not processed by Visa or certain commercial card transactions. Cardholders should notify their issuer promptly of any unauthorised Visa use.

* 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.