---
title: "Macquarie Black Card — Macquarie Bank Limited"
description: "Credit & Charge Cards from Macquarie Bank Limited. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/macquarie-bank-limited/products/498416VPSPLT
source: "CDR Compare"
language: en-AU
last_updated: 2026-03-13T00:01:00.001Z
---

# Macquarie Black Card — Macquarie Bank Limited

> Credit & Charge Cards from Macquarie Bank Limited. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Credit & Charge Cards · Macquarie**

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.

## At a glance

- **Purchase rate:** 20.7%
- **Annual fee:** $249.00

## Apply

Applications are handled by the provider: [Apply at Macquarie Bank Limited](https://www.macquarie.com.au/everyday-banking/credit-cards.html)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Purchase | 20.7% | — | — |
| Cash advance | 20.7% | — | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Annual Fee Primary Cardholder — Charged yearly · Discount −$249.00 — Waived credit card annual fee (eligibility: Other: 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.) | Ongoing | $249.00 |
| 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 — Discount −$20.00 — Waived Late Payment fee (eligibility: Other: These fees are subject to your financial table.) | Late payment | $20.00 |
| Cash advance fee — $5.00 or 3% of the value of the transaction, whichever is the greater. · Discount −3% of transaction — Waived Cash Advance fee (eligibility: Other: These fees are subject to your financial table.) | Cash advance | 3% of transaction |

## Features

- **Additional cards** (A primary cardholder can apply for an additional cardholder to be added to their account.)
- **Loyalty program** — Macquarie Rewards (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 included** — 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.
- **Interest-free period** — 55 days (Up to 55 days interest free on purchases.)
- **Digital wallet** — Apple Pay and Google Pay
- **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.**
- **Concierge Service**
- **Fraud protection** (Macquarie Authenticator is our two-factor authentication app designed to maximise your security)

## Eligibility

- **Minimum income** — $70,000.00 p.a. (Earn a minimum taxable income of $70,000 per annum.)
- **Residency status** — Must be 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** — $15,000.00 (The credit limit we give you will depend on your ability to meet your repayments.)

## Bundles

- **Offset Home Loan Package** — 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.

## More information from Macquarie Bank Limited

- [Overview](https://www.macquarie.com.au/everyday-banking/credit-cards/black-rewards.html)
- [Terms & conditions](https://www.macquarie.com.au/everyday-banking/credit-cards/black-rewards.html#tab-panels-0-terms--conditions-and-documents-)
- [Eligibility](https://www.macquarie.com.au/everyday-banking/credit-cards.html#how-to-apply)
- [Fees & pricing](https://www.macquarie.com.au/everyday-banking/credit-cards/black-rewards.html#rates-and-fees)
- [Bundle information](https://www.macquarie.com.au/home-loans/home-loan-package.html)

## Data provenance

- Published by Macquarie Bank Limited under the Consumer Data Right
- Product ID: `498416VPSPLT`
- Last updated by the provider: 13 March 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/macquarie-bank-limited/498416VPSPLT
- Provider page: https://www.cdrcompare.au/brands/macquarie-bank-limited
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000163

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/macquarie-bank-limited/products/498416VPSPLT) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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