Macquarie Ratesaver Card
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.
- Purchase rate
- 15.95%
- Annual fee
- $69.00
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Purchase | 15.95% | — | — |
| Cash advance | 15.95% | — | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Annual Fee Primary Cardholder Charged yearly | Ongoing | $69.00 |
| Cash advance fee $5.00 or 3% of the value of the transaction, whichever is the greater.
| Cash advance | 3% of transaction |
| International purchase fee 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. | Purchase | $0.00 |
Late payment fee
| Late payment | $20.00 |
Features
- Interest-free period — 55 days
- Up to 55 days interest free on purchases.
- Digital wallet — Apple Pay and Google Pay
- Additional cards
- A primary cardholder can apply for an additional cardholder to be added to their account.
- Digital banking
- Mobile and Online banking
- 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.
- Fraud protection
- Macquarie Authenticator is our two-factor authentication app designed to maximise your security
Eligibility
- Minimum income — $50,000.00 p.a.Earn a minimum taxable income of $50,000 per annum.
- Residency status — Must be a permanent resident of Australia.
- Minimum age — 18 years
- Approval is subject to Macquarie credit criteria and suitability assessment.
- Credit cards may be made available for Macquarie home loan customers, Business Bank clients and Private Bank clients.
Constraints
- Minimum limit — $2,000.00The credit limit we give you will depend on your ability to meet your repayments.
More Information
Published by Macquarie Bank Limited under the Consumer Data Right · Last updated 13 March 2026 · Product ID 498413VCSLRC · View on CDR.gov.au · View Source Data (JSON)