{
  "source": "https://api.macquariebank.io/cds-au/v1/banking/products/498415VGSGLD",
  "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": "498415VGSGLD",
    "lastUpdated": "2026-03-13T00:01:00.001Z",
    "productCategory": "CRED_AND_CHRG_CARDS",
    "name": "Macquarie Platinum Card",
    "description": "The Macquarie Platinum 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.",
    "brand": "Macquarie Bank Limited",
    "isTailored": false,
    "additionalInformation": {
      "bundleUri": "https://www.macquarie.com.au/home-loans/home-loan-package.html",
      "eligibilityUri": "https://www.macquarie.com.au/everyday-banking/credit-cards.html#how-to-apply",
      "feesAndPricingUri": "https://www.macquarie.com.au/everyday-banking/credit-cards/platinum-rewards.html#tab-panels-0-account-fees",
      "overviewUri": "https://www.macquarie.com.au/everyday-banking/credit-cards/platinum-rewards.html",
      "termsUri": "https://www.macquarie.com.au/everyday-banking/credit-cards/platinum-rewards.html#tab-panels-0-terms--conditions-and-documents-"
    },
    "applicationUri": "https://www.macquarie.com.au/everyday-banking/credit-cards.html",
    "brandName": "Macquarie",
    "bundles": [
      {
        "name": "Offset Home Loan Package",
        "description": "If you have a Macquarie Offset Home Loan Package, your Credit Card Annual fee is waived (for the Macquarie Black Card and Macquarie Platinum Card) for the period you hold this package with us.",
        "additionalInfoUri": "https://www.macquarie.com.au/home-loans/home-loan-package.html",
        "productIds": [
          "LN001MBLSTD001",
          "LN001MBLBAS001"
        ]
      }
    ],
    "cardArt": [
      {
        "cardScheme": "VISA",
        "cardType": "CREDIT",
        "imageUri": "https://www.macquarie.com.au/assets/bfs/images/open-banking/credit-cards/Macquarie_VISA_PLATINUM_front_Master_Masked_CDR.png",
        "title": "Macquarie_VISA_PLATINUM_front_Master_Masked_CDR"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalInfo": "The credit limit we give you will depend on your ability to meet your repayments.",
        "additionalValue": "6000.00"
      }
    ],
    "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 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": "LOYALTY_PROGRAM",
        "additionalInfo": "Earn 1 Macquarie Reward Point per $1 spent on eligible purchases up to and including $5,000, then earn 0.5 Macquarie Reward points for every $1 spent on eligible purchases over $5,000 in any given statement period.",
        "additionalValue": "Macquarie Rewards."
      },
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalInfo": "A primary cardholder can apply for an additional cardholder to be added to their account."
      },
      {
        "featureType": "INSURANCE",
        "additionalValue": "Overseas Medical Emergency, Expenses Cover, Trip Cancellation and Amendment Cover, Trip Delay Cover, Rental Vehicle Excess Cover, Card Purchase Cover and Buyer's Advantage Cover."
      },
      {
        "featureType": "INTEREST_FREE",
        "additionalInfo": "Up to 55 days interest free on purchases.",
        "additionalValue": "P55D"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay and Google Pay"
      },
      {
        "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": "OTHER",
        "additionalInfo": "Concierge Service."
      },
      {
        "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",
        "discounts": [
          {
            "description": "Waived credit card annual fee",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "If you have a Macquarie Offset Home Loan Package, your Credit Card Annual fee is waived (for the Macquarie Black Card and Macquarie Platinum Card) for the period you hold this package with us.",
                "additionalInfoUri": "https://www.macquarie.com.au/home-loans/home-loan-package.html"
              }
            ],
            "fixedAmount": {
              "amount": "149.00"
            }
          }
        ],
        "fixedAmount": {
          "amount": "149.00"
        }
      },
      {
        "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": "0.207",
        "applicationType": "PERIODIC",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D"
      },
      {
        "lendingRateType": "CASH_ADVANCE",
        "rate": "0.207",
        "applicationType": "PERIODIC",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D"
      }
    ]
  }
}