MacquarieMacquarie Ratesaver Card
The Macquarie RateSaver Credit Card is designed for customers who want a credit card with a lower annual fee and/or interest rates than those that apply to rewards credit cards.
At a glance
- Purchase rate
- 15.95%
- Cash advance
- 15.95%
- Interest-free days
- 55
- Annual fee
- $69
How it compares
This credit card in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This credit card | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Any credit cardOngoing purchase rate, not introductory offers | 15.95% | 7.49%Unity Bank's Low Rate Visa Credit Card | 12.49%of 51 institutions | 45th lowest of 51 |
| Interest-free daysDays without interest on purchases when the balance is paid in full | 55 days | 62 daysBeyond Bank Australia's Low Rate Credit Card | 55 daysof 42 institutions | 2nd longest of 42, level with 30 others |
Rates
Every rate Macquarie publishes for this credit card, 2 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Cash advance | - | - | - | 15.95% | - | - |
| Purchase | - | - | - | 15.95% | - | - |
Fees
4 fees published, grouped by when they're charged.
While you hold it1
- Annual Fee Primary Cardholder$69 a year
When you make a transaction2
- Cash advance fee
$5.00 or 3% of the value of the transaction, whichever is the greater. Waived Cash Advance fee
3.00% of transaction - 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.
No fee
If a payment is late or fails1
- Late payment fee
Waived Late Payment fee
$20
Features
- 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.
Eligibility and limits
- Minimum age 18
- Residency: Must be a permanent resident of Australia.
- Minimum income $50,000
- Amount from $2,000, no maximum
- 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.
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Published by Macquarie Bank Limited under the Consumer Data Right, last changed by them on 13 Mar 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.