Your choice of flexible Macquarie Rewards

Receive 20,000 bonus Macquarie Reward points

Apply and be approved for the Macquarie Black Card with Macquarie Rewards and you'll receive 20,000 Macquarie Reward points* when you spend $2,000 on eligible purchases within 60 days of approval. Redeem your points with online and mobile banking.

This offer is not available to applicants who have a credit card as part of a home loan package.

Apply now

What does this credit card offer?

Macquarie Reward points per $1 spent1
international purchase fees8
Primary Cardholder annual fee2

Redeem eGift cards from over 40 popular Australian and global retailers. Keep track of your points and redemptions with online and mobile banking – they’re ready to use whenever you like.

Manage your cash flow. Take advantage of up to 55 days interest free on purchases4.

Travel and purchase with confidence. When you pay using your Macquarie Black Card, you will receive:

  • Overseas Travel Insurance for you, your spouse and any dependent children
  • Interstate Flight Inconvenience Insurance to cover meals or clothing depending on delay
  • Extended Warranty Insurance on your purchases.

Find out more on Macquarie Black Card insurance benefits and insurance terms and conditions.

Be treated like a star at exclusive events.

From sports to entertainment, enjoy exclusive ticket pre-sales to sought-after events with your Macquarie Black Card, and gain access to exclusive offers on music, movies, theatre and home entertainment with Visa Entertainment.

Arrival services
Your Airport Concierge will be waiting for you when you land and will assist you with all aspects of the arrival process from your plane to your driver.

Departure services
Your Airport Concierge will meet you and help with all aspects of departure services through the airport and escort you to the flight departure gate.
Expedited transfer through immigration and security is provided where available. Call +61 2 9273 2705 before your next trip to find out whether expedited transfer through immigration is available, get a quote and book your Airport Concierge. Service charges apply.

Give your loved ones an annual fee-free credit card.

Choose up to 4 additional Macquarie Black Cards for your family and friends.

As a Black cardholder, enjoy around-the-clock 24/7 Concierge Service.

Whether it's organising a flight or tickets to a game, professional assistance is available whenever you want it.

Whether you want to arrive at the airport in style or need to get to a restaurant for that special occasion, book a limousine transfer with our 24/7 Concierge Service on +61 2 9273 2705 and you’ll receive 20% off your booking, when booked through concierge and paid for on your Macquarie Black Card.

From business trips to Singapore or family holidays to Bali, access over 750 airport lounges around the world, regardless of class of travel or airline you’re flying.

Call our 24/7 Concierge Service on +61 2 9273 2705 to find out what lounges are available for your next trip and get a quote for access for you and your family. Service charges apply, excludes airport lounges in Australia.

Rates, fees, charges and benefits for this credit card:

  • $149 Primary Cardholder annual fee2
  • $0 international transaction fees8
  • Up to 4 additional cards, with no annual fee
  • 0% pa balance transfer for 14 months from card approval3
  • Up to 55 days interest free on purchases4
  • 20.70% pa standard interest rate on purchases
  • 20.70% pa standard interest rate on cash advances.

For more information, see fees and rates and international transaction fees.

Macquarie Rewards

Macquarie Rewards

Enjoy the indulgence of choice

$1 spent on eligible purchases = 2 Macquarie Reward points1

Apply now

Calculate your reward earning potential6

Monthly credit card spend

Macquarie Reward points earned


Approximate value for gift cards

Gift cards can be redeemed for the following values:
$20, $50, $100, $200 and $500.

Is this the credit card for you?


To be eligible for the Macquarie Black Card, you:

  • are 18 years old or over
  • are a permanent resident of Australia
  • have a good credit rating
  • must earn a minimum taxable income of $70,000 per annum.
First steps

To complete the application, you will also need details of your:

  • gross annual salary
  • monthly expenses
  • current employer (address and phone number)
  • accountant (if self-employed/retired)
  • Australian driver's licence number (if you have one).

Macquarie says hello to Apple Pay

A smarter way to pay

We're excited to tell you that Apple Pay is now available on all Macquarie debit and credit cards. It is an easy and secure way to make payments instore, in apps and on the web with Safari on your Apple device.

Credit cards made easy

Need clarity on balance transfers, credit card rates and fees, security features, online account self-management or rewards programs?

Why choose Macquarie?

Quality service
Our service is informed, friendly, professional and reliable.

A better way to bank
Discover innovative financial solutions across our products to plan, build, manage and protect your wealth.

More opportunities
Our experts can create financial opportunities for you across local and global networks.