Macquarie Black Card

The Macquarie Black Rewards Credit Card is designed for customers who are willing to consider incurring (and are in a financial position to pay) a higher annual fee and/or interest rates in order to obtain the additional benefits of a rewards credit card.
Category: Credit and Charge Cards  Last Updated March 13, 2026  Effective June 3, 2026

 General Lending Rates

Rates listed below are for a product. Additional Information
Interest Rate
NA PA
Comparison Rate
NAPA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
  , CASH_ADVANCE, 20.70%
  • Lending Rate Type: Cash Advance
  • Interest Rate: 20.70%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose:

 Product Features

  • Additional Cards Additional Information: A primary cardholder can apply for an additional cardholder to be added to their account.
  • Loyalty Program Additional Information: Earn 2 Macquarie Reward Points per $1 spent on eligible purchases up to and including $10,000, then earn 0.5 Macquarie Reward points for every $1 spent on eligible purchases over $10,000 in any given statement period.
  • Insurance
  • Interest Free Additional Information: Up to 55 days interest free on purchases.
  • Digital Wallet
  • Digital Banking Additional Information: Mobile and Online banking
  • Other Additional Information: We don’t charge international purchase fees when you shop overseas or with international online retailers. Receive the Visa foreign exchange rate, with no additional fees or charges.
  • Other Additional Information: Concierge Service
  • Fraud Protection Additional Information: Macquarie Authenticator is our two-factor authentication app designed to maximise your security

 Product Eligibility

  • Min Income - 70000.00. Additional Information: Earn a minimum taxable income of $70,000 per annum.
  • Residency Status - Must Be Permanent Resident Of Australia..
  • Min Age - 18.
  • Other Additional Information: Approval is subject to Macquarie credit criteria and suitability assessment.
  • Other Additional Information: Credit cards may be made available for Macquarie home loan customers, Business Bank clients and Private Bank clients.

 Bank Fees and Charges

  • Annual Fee Primary Cardholder (Periodic), Amount: 249.00.
  • International Purchase Fee (Purchase), Amount: 0.00. Additional Information: 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.
  • Late Payment Fee (Event), Amount: 20.00.
  • Cash Advance Fee (Withdrawal), Amount: 5.00. Additional Information: $5.00 or 3% of the value of the transaction, whichever is the greater.

 Limitations & Restrictions (Constraints)

  • Min Limit of 15000.00 Additional Information: The credit limit we give you will depend on your ability to meet your repayments.