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.
- Purchase rate
- 20.7%
- Annual fee
- $249.00
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Purchase | 20.7% | — | — |
| Cash advance | 20.7% | — | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Annual Fee Primary Cardholder Charged yearly
| 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
| Late payment | $20.00 |
| Cash advance fee $5.00 or 3% of the value of the transaction, whichever is the greater.
| 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
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 — $15,000.00The 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
Published by Macquarie Bank Limited under the Consumer Data Right · Last updated 13 March 2026 · Product ID 498416VPSPLT · View on CDR.gov.au