Low annual fee, high convenience

Low fees and rates, high savings potential

With a low annual fee, interest and balance transfer rate, the Macquarie RateSaver Card gives you the power to manage your cash flow.


Apply now
Macquarie Visa RateSaver Card

What does this credit card offer?

pa balance transfer for 14 months from credit card approval1
Low interest rate of 15.95% pa on purchases
Up to
days interest free on purchases2

Enjoy the convenience at a low annual fee.

With a low annual fee of only $69, you can enjoy the flexibility and convenience of using a credit card for your transactions.

24 hours a day, 7 days a week.

Our team of specialists is committed to delivering the highest level of service.

Top-notch entertainment.

From the biggest concerts to sporting events, and exclusive offers on music, movies, theatre and home entertainment, Macquarie RateSaver cardholders have access to outstanding offers, available via Visa Entertainment.

200 countries, 30 million merchants, 2 million ATMs.

From Australia to Zambia, your credit card is widely accepted to suit your purchasing needs in 200 countries, by over 30 million merchants and at two million ATMs.

Buy with confidence.

With advanced security measures in place, cardholders can purchase with peace of mind knowing that our online fraud protection provides 24/7 account monitoring.

Protection against criminal activity.

Visa cardholders are protected by Visa's Zero Liability3 policy. With 24/7 online account monitoring, your card provides advanced fraud protection.

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

  • $69 primary cardholder annual fee
  • $0 international transaction fees 4
  • $10 annual fee for each additional cardholder
  • 0% pa balance transfer for 14 months from card approval1
  • Up to 55 days interest free on purchases2
  • 15.95% pa standard interest rate on purchases
  • 15.95% pa standard interest rate on cash advances.

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

Balance Transfer calculator

Credit card details

Current balance
Current interest rate


savings over 14 months

Is this the credit card for you?


To be eligible for the Macquarie RateSaver 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 $50,000 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 create financial opportunities for you across local and global networks.

Smarter features.
Smarter banking.

A mobile banking app to help you manage your finances whenever, wherever.

Download now

Apple App Store
Google Play

Learn more about our digital journey