Credit card FAQs: Applying for a credit card

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Applying for a credit card


How do I apply for a Macquarie credit card?

You can apply online for all of our credit cards. To start your application, select a card:

Alternatively, you can apply for any Macquarie credit card, except the Hilton Honors Macquarie Platinum Card, by calling 1300 150 300, Monday to Friday between 8.30 am and 5.30pm AEST.

What is a Macquarie ID?

A Macquarie ID identifies you as a Macquarie client and is used to access our self service banking facilities. If you are an existing Macquarie client, then you will have already been issued with a Macquarie ID.

Can I apply if my previous address is an overseas address?

We require your current residential address to be an Australian address. Please provide details of your overseas address in the 'previous residential address' fields on your application form.

What is an 'additional cardholder'?

An additional cardholder is any other person you authorise to make transactions on your account. They will be issued with their own card and all transactions will be charged to your account.

To request an additional cardholder, please provide us with their details in the 'Additional Cardholder' section of your application form or complete an Additional Cardholder Request Form or apply via Macquarie Online. The annual fees for an additional cardholder are:

Credit Card TypeAnnual Additional Cardholder Fee
Macquarie RateSaver Card $10
Macquarie Platinum Card Up to 4 free additional cardholders
Macquarie Black Card Up to 4 free additional cardholders
Hilton Honors Macquarie Platinum Card $49

Can I get a card for my partner and children?

If they are 18 years of age or over, your partner or child may be eligible to apply for their own card.

Alternatively, you can authorise your partner or a child of 16 years of age or over to be an additional cardholder on your account. Please provide us with their details in the 'Additional Cardholder' section of your application form or complete an Additional Cardholder Request Form.

I'm a franchisee – what do I put as my employment status?

Please select 'self employed'.

How long does it take to receive my card?

We make every effort to process applications within 10 working days of receipt of all required information. To assist us in processing your application quickly, please complete your application form in full.

How is my credit limit determined?

Your credit limit is determined by the information provided in the application form and in accordance with our credit policy. You will be notified of your credit limit if your application is approved.

Can I find out my limit before I apply?

No, you cannot find out your limit before you apply. You have the option to nominate a preferred credit limit during the application process. If you do not nominate a preferred credit limit, you will be assigned the maximum credit limit based on Macquarie's credit criteria and unsuitability assessment. If your application is approved, you will be notified of your credit limit when you receive your card.

Can I apply for a higher credit limit?

After six months, you can apply to have your credit limit increased.

Can I apply for a business credit card?

We offer business and corporate card solutions for our business banking clients. Contact the team today to find out more.

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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.

Macquarie Bank Limited ABN 46 008 583 542 AFSL & Australian Credit Licence 237502 (MBL). All applications are subject to Macquarie's standard credit approval criteria. Before acting on this information, you must consider its appropriateness having regard to your own objectives, financial situation and needs. You should obtain independent financial, legal and taxation advice.

Apple, the Apple logo, Apple Pay, Apple Watch, iPhone and Touch ID are trademarks of Apple Inc., registered in the US and other countries. App Store is a service mark of Apple Inc.