Macquarie
Macquarie 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.
Credit cardsBank updated 13 Mar 2026
At a glance
- Purchase rate
- 15.95%
- Cash advance
- 15.95%
- Interest-free days
- 55
- Annual fee
- $69
§ 01 — Rates · 2
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Cash advance | — | — | — | 15.95% | — | — |
| Purchase | — | — | — | 15.95% | — | — |
§ 02 — Fees · 4
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Cash advance fee | Cash advance | 3.00% of transaction | — | $5.00 or 3% of the value of the transaction, whichever is the greater. Waived Cash Advance fee |
| Late payment fee | Late payment | $20 | — | Waived Late Payment fee |
| Annual Fee Primary Cardholder | Periodic | $69 | Every 1 yr | — |
| International purchase fee | Purchase | No 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. |
§ 03 — Features
Digital bankingFraud protection55 interest-free daysApple Pay and Google Pay
- · 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.
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Must be a permanent resident of Australia.
- · Minimum income $50,000
- · Amount $2,000 to 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.
§ 05 — Compare
§ 06 — Run the numbers
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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.