Macquarie Black Card

 General Lending Rates

• Lending Rate Type: Cash Advance
• Interest Rate: 20.70%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose:

 Product Features

• Loyalty Program Additional Information: Earn 2 Macquarie Reward Points per $1 spent on eligible purchases up to and including $10,000, then earn 0.5 Macquarie Reward points for every $1 spent on eligible purchases over $10,000 in any given statement period.

• Insurance Additional Information: Insurances include Overseas Travel Insurance for you, your spouse and any dependent children, Extended Warranty Insurance on your purchases and Interstate Flight Inconvenience Insurance.

• Interest Free Additional Information: Up to 55 days interest free on purchases.

• Digital Wallet Additional Information: Add your Visa credit card to your mobile or wearable with Apple Pay and Google Pay. Lost your card? No need to wait for your new card to arrive - continue using mobile payments in place of your lost, stolen or damaged card.

• Digital Banking Additional Information: Get to know your spending. Each time you make a transaction, it’s automatically categorised into a group such as groceries, travel, leisure or technology. Create smart budgets for anything in an instant, then see how you are tracking at a glance and over time. Get the added security of real time notifications – opt in on your device. Whenever you make a transaction on your Macquarie credit or debit card, you’ll receive a push notification, so you know the correct transaction has been processed either instore or online. For foreign currency transactions, the alert shows the spend amount in local currency and Australian dollars.

• Other Additional Information: 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.

• Other Additional Information: 24/7 Concierge Service with Airport fast track and meet and greet.

• Cashback Offer Additional Information: Redeem Macquarie Reward Points for Gift Cards or cashback to eligible Macquarie accounts.

• Fraud Protection Additional Information: The Macquarie Authenticator app provides an extra layer of security that helps protect your account and personal information and is our most secure way to authenticate

 Product Eligibility

• Min Income - 70000.00. Additional Information: Earn a minimum taxable income of $70,000 per annum.

• Residency Status - Must Be Permanent Resident Of Australia..

• Min Age - 18.

• Other Additional Information: Must have a good credit rating.

• Other Additional Information: Credit cards may be made available for Macquarie home loan customers, Business Bank clients and Private Bank clients.

 Bank Fees and Charges

• Annual Fee Primary Cardholder (Periodic), Amount: 249.00.

• International Purchase Fee (Purchase), Amount: 0.00. Additional Information: 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.

• Late Payment Fee (Event), Amount: 20.00.

• Cash Advance Fee (Withdrawal), Amount: 5.00. Additional Information: $5.00 or 3% of the value of the transaction, whichever is the greater.

 Limitations & Restrictions (Constraints)

• Max Limit of 1000.00 Additional Information: Cash advance transaction limit.

• Max Limit of 100.00 Additional Information: Per transaction VISA contactless limit with no PIN.