{ "brand": "Macquarie Bank Limited", "brand_label": "Macquarie Bank", "brand_slug": "macquarie-bank-limited", "legal_entity_abn": "46008583542", "public_base_uri": "https://api.macquariebank.io", "logo_uri": "https://www.macquarie.com.au/assets/bfs/global/macquarie-logo_black.svg", "status": "ok", "stale": false, "bank_last_updated": "2026-03-13T00:01:00Z", "at_a_glance": { "note": "This bank's entry per customer segment (personal, business) and ranking kind (low_rate, no_annual_fee, balance_transfer, rewards), one line each: its card in the best/{segment}/{kind}.json slice (student cards, companion cards and occupation-limited lenders left out, as there), so it matches best/ and top/; a bank with no entry there for a segment and kind takes its entry from entries_all. conditions is a key into condition_sets. unranked counts the cards no slice ranks, by reason. Every card follows in products and rows.", "rates": [ {"segment":"personal","kind":"low_rate","rank":58,"of":62,"product_label":"Ratesaver Card","card_type":"credit","purchase_rate_pct":15.95,"annual_fee":69.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":55,"min_credit_limit":2000.0,"max_credit_limit":null,"bt_promo_rate_pct":null,"bt_promo_months":null,"bt_fee_pct":null,"bt_revert_rate_pct":null,"rewards_program":null,"conditions":"k1","restrictions":["limited_eligibility"],"record_stale":true}, {"segment":"personal","kind":"rewards","rank":13,"of":27,"product_label":"Platinum Card","card_type":"credit","purchase_rate_pct":20.7,"annual_fee":149.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":55,"min_credit_limit":6000.0,"max_credit_limit":null,"bt_promo_rate_pct":null,"bt_promo_months":null,"bt_fee_pct":null,"bt_revert_rate_pct":null,"rewards_program":"Macquarie Rewards.","conditions":"k2","restrictions":["limited_eligibility"],"record_stale":true} ], "condition_sets": { "k1": [ "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", "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.", "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" ], "k2": [ "not updated by the bank since 2026-03-13; check its page, as the rate or fee may have changed", "credit limit from $6,000", "minimum income $50,000 a year", "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.", "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", "annual fee waived while you hold a Macquarie Offset Home Loan Package", "1 point per $1 up to $5,000 a statement period, then 0.5 points per $1" ] }, "unranked": { "products": 0 } }, "source": "Consumer Data Right Product Reference Data APIs (public, unauthenticated), credit and charge cards category", "licence_note": "Rates and fees are published by each bank under the Consumer Data Right as public Product Reference Data and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Rates, fees and offers change without notice; promotional balance transfer and purchase rates end after their months; check the bank's page before acting. This is not financial advice.", "products": [ { "product_id": "498416VPSPLT", "product_name": "Macquarie Black Card", "product_label": "Black Card", "product_slug": "black-card", "page": "/au/finance/credit-cards/cards/macquarie-bank-limited/black-card/", "product_url": "https://www.macquarie.com.au/everyday-banking/credit-cards/black-rewards.html", "terms_url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/creditcards-conditions-of-use.pdf", "fees_url": "https://www.macquarie.com.au/everyday-banking/credit-cards/black-rewards.html#rates-and-fees", "eligibility_url": "https://www.macquarie.com.au/everyday-banking/credit-cards.html#how-to-apply", "card_type": "credit", "scheme": "visa", "tier": "black", "segments": [ "personal" ], "segment": "personal", "description": "The Macquarie Black Rewards Credit Card is designed for customers who are willing to consider incurring (and are in a financial position to pay) a higher annual fee and/or interest rates in order to obtain the additional benefits of a rewards credit card.", "purchase_rate_pct": 20.7, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "purchase_rate_note": null, "cash_advance_rate_pct": 20.7, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 249.0, "fee_period": "annual", "fee_as_stated": 249.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "Annual Fee Primary Cardholder", "fee_offers": [ "Waived credit card annual fee" ], "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": null, "foreign_transaction_fee": null, "cash_advance_fee_pct": 3.0, "cash_advance_fee": null, "late_payment_fee": 20.0, "additional_cardholder_fee": null, "balance_transfer": null, "rewards_program": "Macquarie Rewards", "rewards_programs": [ "Macquarie Rewards" ], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "insurances": [ "Overseas Medical Emergency, Expenses Cover, Trip Cancellation and Amendment Cover, Trip D…" ], "digital_wallets": [ "Apple Pay", "Google Pay" ], "instalment_plan": false, "additional_cards": null, "additional_cards_offered": true, "min_credit_limit": 15000.0, "max_credit_limit": null, "min_income": 70000.0, "min_age": 18, "restrictions": [ "limited_eligibility" ], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "not updated by the bank since 2026-03-13; check its page, as the rate or fee may have changed", "credit limit from $15,000", "minimum income $70,000 a year", "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.", "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", "annual fee waived while you hold a Macquarie Offset Home Loan Package", "2 points per $1 up to $10,000 a statement period, then 0.5 points per $1" ], "eligibility": [ "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." ], "ranked": true, "unranked_reason": null, "rankings": [], "source_kind": "feed", "record_stale": true, "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/498416VPSPLT", "source_snapshot": "/au/finance/credit-cards/v1/source/macquarie-bank-limited/498416VPSPLT.json", "snapshot_at": "2026-10-24T09:58:01Z", "bank_last_updated": "2026-03-13T00:01:00.001Z", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions", "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "key_facts_sheet_url": "https://www.macquarie.com.au/assets/bfs/applications/digital/credit-cards/documents/macquarie-credit-card-key-facts.pdf", "from_issuer_page": [ { "source": "watched_term", "fields": [ "restrictions" ], "confirmed": "2026-11-12", "url": "https://www.macquarie.com.au/everyday-banking/credit-cards.html#:~:text=Credit%20cards%20are%20currently%20available%20to%20Macquarie%20home%20loan%20customers.", "quote": "Credit cards are currently available to Macquarie home loan customers." } ] }, { "product_id": "498415VGSGLD", "product_name": "Macquarie Platinum Card", "product_label": "Platinum Card", "product_slug": "platinum-card", "page": "/au/finance/credit-cards/cards/macquarie-bank-limited/platinum-card/", "product_url": "https://www.macquarie.com.au/everyday-banking/credit-cards/platinum-rewards.html", "terms_url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/creditcards-conditions-of-use.pdf", "fees_url": "https://www.macquarie.com.au/everyday-banking/credit-cards/platinum-rewards.html#tab-panels-0-account-fees", "eligibility_url": "https://www.macquarie.com.au/everyday-banking/credit-cards.html#how-to-apply", "card_type": "credit", "scheme": "visa", "tier": "platinum", "segments": [ "personal" ], "segment": "personal", "description": "The Macquarie Platinum Rewards Credit Card is designed for customers who are willing to consider incurring (and are in a financial position to pay) a higher annual fee and/or interest rates in order to obtain the additional benefits of a rewards credit card.", "purchase_rate_pct": 20.7, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "purchase_rate_note": null, "cash_advance_rate_pct": 20.7, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 149.0, "fee_period": "annual", "fee_as_stated": 149.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "Annual Fee Primary Cardholder", "fee_offers": [ "Waived credit card annual fee" ], "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": null, "foreign_transaction_fee": null, "cash_advance_fee_pct": 3.0, "cash_advance_fee": null, "late_payment_fee": 20.0, "additional_cardholder_fee": null, "balance_transfer": null, "rewards_program": "Macquarie Rewards.", "rewards_programs": [ "Macquarie Rewards." ], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "insurances": [ "Overseas Medical Emergency, Expenses Cover, Trip Cancellation and Amendment Cover, Trip D…" ], "digital_wallets": [ "Apple Pay", "Google Pay" ], "instalment_plan": false, "additional_cards": null, "additional_cards_offered": true, "min_credit_limit": 6000.0, "max_credit_limit": null, "min_income": 50000.0, "min_age": 18, "restrictions": [ "limited_eligibility" ], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "not updated by the bank since 2026-03-13; check its page, as the rate or fee may have changed", "credit limit from $6,000", "minimum income $50,000 a year", "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.", "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", "annual fee waived while you hold a Macquarie Offset Home Loan Package", "1 point per $1 up to $5,000 a statement period, then 0.5 points per $1" ], "eligibility": [ "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." ], "ranked": true, "unranked_reason": null, "rankings": [ { "segment": "personal", "kind": "rewards", "rank": 13, "of": 27, "hidden_by_default": true } ], "source_kind": "feed", "record_stale": true, "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/498415VGSGLD", "source_snapshot": "/au/finance/credit-cards/v1/source/macquarie-bank-limited/498415VGSGLD.json", "snapshot_at": "2026-10-24T09:58:01Z", "bank_last_updated": "2026-03-13T00:01:00.001Z", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions", "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "key_facts_sheet_url": "https://www.macquarie.com.au/assets/bfs/applications/digital/credit-cards/documents/macquarie-credit-card-key-facts.pdf", "from_issuer_page": [ { "source": "watched_term", "fields": [ "restrictions" ], "confirmed": "2026-11-12", "url": "https://www.macquarie.com.au/everyday-banking/credit-cards.html#:~:text=Credit%20cards%20are%20currently%20available%20to%20Macquarie%20home%20loan%20customers.", "quote": "Credit cards are currently available to Macquarie home loan customers." } ] }, { "product_id": "498413VCSLRC", "product_name": "Macquarie Ratesaver Card", "product_label": "Ratesaver Card", "product_slug": "ratesaver-card", "page": "/au/finance/credit-cards/cards/macquarie-bank-limited/ratesaver-card/", "product_url": "https://www.macquarie.com.au/everyday-banking/credit-cards/ratesaver.html", "terms_url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/creditcards-conditions-of-use.pdf", "fees_url": "https://www.macquarie.com.au/everyday-banking/credit-cards/ratesaver.html#tab-panels-0-account-fees", "eligibility_url": "https://www.macquarie.com.au/everyday-banking/credit-cards.html#how-to-apply", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "description": "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.", "purchase_rate_pct": 15.95, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "purchase_rate_note": null, "cash_advance_rate_pct": 15.95, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 69.0, "fee_period": "annual", "fee_as_stated": 69.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "Annual Fee Primary Cardholder", "fee_offers": [], "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": null, "foreign_transaction_fee": null, "cash_advance_fee_pct": 3.0, "cash_advance_fee": null, "late_payment_fee": 20.0, "additional_cardholder_fee": null, "balance_transfer": null, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "insurances": [], "digital_wallets": [ "Apple Pay", "Google Pay" ], "instalment_plan": false, "additional_cards": null, "additional_cards_offered": true, "min_credit_limit": 2000.0, "max_credit_limit": null, "min_income": 50000.0, "min_age": 18, "restrictions": [ "limited_eligibility" ], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "not updated by the bank since 2026-03-13; 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