{
  "source": "https://api.macquariebank.io/cds-au/v1/banking/products/498413VCSLRC",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "productId": "498413VCSLRC",
    "lastUpdated": "2026-03-13T00:01:00.001Z",
    "productCategory": "CRED_AND_CHRG_CARDS",
    "name": "Macquarie Ratesaver Card ",
    "description": "The Macquarie RateSaver Credit Card is designed for customers who want a credit card with a lower annual fee and/or interest rates than those that apply to rewards credit cards.",
    "brand": "Macquarie Bank Limited",
    "isTailored": false,
    "additionalInformation": {
      "eligibilityUri": "https://www.macquarie.com.au/everyday-banking/credit-cards.html#how-to-apply",
      "feesAndPricingUri": "https://www.macquarie.com.au/everyday-banking/credit-cards/ratesaver.html#tab-panels-0-account-fees",
      "overviewUri": "https://www.macquarie.com.au/everyday-banking/credit-cards/ratesaver.html",
      "termsUri": "https://www.macquarie.com.au/everyday-banking/credit-cards/ratesaver.html#tab-panels-0-terms--conditions-and-documents-"
    },
    "applicationUri": "https://www.macquarie.com.au/everyday-banking/credit-cards.html",
    "brandName": "Macquarie",
    "cardArt": [
      {
        "cardScheme": "VISA",
        "cardType": "CREDIT",
        "imageUri": "https://www.macquarie.com.au/assets/bfs/images/open-banking/credit-cards/Macquarie_VISA_RATESAVER_front_Masked-01_CDR.png",
        "title": "Macquarie_VISA_RATESAVER_front_Masked-01_CDR"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalInfo": "The credit limit we give you will depend on your ability to meet your repayments.",
        "additionalValue": "2000.00"
      }
    ],
    "effectiveFrom": "2007-04-16T00:01:00.001Z",
    "eligibility": [
      {
        "eligibilityType": "MIN_INCOME",
        "additionalInfo": "Earn a minimum taxable income of $50,000 per annum.",
        "additionalValue": "50000.00"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Must be a permanent resident of Australia."
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Approval is subject to Macquarie credit criteria and suitability assessment."
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Credit cards may be made available for Macquarie home loan customers, Business Bank clients and Private Bank clients."
      }
    ],
    "features": [
      {
        "featureType": "INTEREST_FREE",
        "additionalInfo": "Up to 55 days interest free on purchases.",
        "additionalValue": "P55D"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay and Google Pay"
      },
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalInfo": "A primary cardholder can apply for an additional cardholder to be added to their account."
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Mobile and Online banking",
        "additionalInfoUri": "https://www.macquarie.com.au/digital-banking.html"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "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."
      },
      {
        "featureType": "FRAUD_PROTECTION",
        "additionalInfo": "Macquarie Authenticator is our two-factor authentication app designed to maximise your security",
        "additionalInfoUri": "https://www.macquarie.com.au/digital-banking/macquarie-authenticator.html"
      }
    ],
    "fees": [
      {
        "name": "Annual Fee Primary Cardholder",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "additionalValue": "P1Y",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "69.00"
        }
      },
      {
        "name": "Cash advance fee",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "rateBased",
        "additionalInfo": "$5.00 or 3% of the value of the transaction, whichever is the greater.",
        "currency": "AUD",
        "discounts": [
          {
            "description": "Waived Cash Advance fee",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "rateBased",
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "These fees are subject to your current financial table."
              }
            ],
            "rateBased": {
              "rateType": "TRANSACTION",
              "rate": "0.03",
              "amountRange": {
                "discountMinimum": "5.00"
              }
            }
          }
        ],
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.03",
          "amountRange": {
            "feeMinimum": "5.00"
          }
        }
      },
      {
        "name": "International purchase fee",
        "feeType": "PURCHASE",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": "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.",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Late payment fee",
        "feeType": "LATE_PAYMENT",
        "feeMethodUType": "fixedAmount",
        "currency": "AUD",
        "discounts": [
          {
            "description": "Waived Late Payment fee",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "These fees are subject to your current financial table."
              }
            ],
            "fixedAmount": {
              "amount": "20.00"
            }
          }
        ],
        "fixedAmount": {
          "amount": "20.00"
        }
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "PURCHASE",
        "rate": "0.1595",
        "applicationType": "PERIODIC",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D"
      },
      {
        "lendingRateType": "CASH_ADVANCE",
        "rate": "0.1595",
        "applicationType": "PERIODIC",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D"
      }
    ]
  }
}