Macquarie Bank Ratesaver Card
credit cardlimited eligibilitystale
Ratesaver Card is a credit card from Macquarie Bank, as the bank publishes it in its product data. Its purchase rate is 15.95% and its card fee $69 a year. The feed calls it "Macquarie Ratesaver Card".
What the feed states
- Purchase rate
- 15.95%
- Cash advance rate
- 15.95%
- Interest-free days
- up to 55
- Card fee
- $69 a year (Annual Fee Primary Cardholder)
- Cash advance fee
- 3%
- Late payment fee
- $20
- Digital wallets
- Apple Pay, Google Pay
- Additional cardholders
- offered
- Credit limit
- from $2,000
- Minimum income
- $50,000 a year
- Minimum age
- 18
- Scheme
- Visa
Conditions and offers
- not updated by the bank since 2026-03-13; check its page, as the rate or fee may have changed
- minimum income $50,000 a year
- only for Macquarie home loan customers (or Business Bank clients); apply through a home loan specialist or broker
- permanent residents of Australia only
- balance transfers not offered since 9 November 2023
- no international transaction fee
- cash advance fee 3% or $5, whichever is greater
- credit limit increases not offered
Who can apply, in the bank's words
- 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.
About this 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.
Data
- Macquarie Bank's own page for this card.
- The issuer's documents its feed links to: terms and conditions, fees, eligibility.
- Our verbatim snapshot of the bank's product record (source), as fetched on 2026-10-24.
- The issuer's Key Facts Sheet.
/au/finance/credit-cards/v1/brands/macquarie-bank-limited.json: this issuer's cards as JSON; Macquarie Bank's page lists them.- The bank last updated this record on 2026-03-13; the dataset's data is as of 2026-11-12. Rates are per annum as the issuer states them; "stale" means the bank has not updated the record for over 180 days.
Other cards at Macquarie Bank
- Black Card credit card, 20.70%, $249 a year
- Platinum Card credit card, 20.70%, $149 a year
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