Macquarie RateSaver
Macquarie RateSaver is issued by Macquarie. Every figure below is one Macquarie publishes, with the date it was read.
The facts
What stands out
Macquarie states the annual fee is $69 and charges $0 Macquarie international transaction fees on overseas purchases, both in-store and online.
The interest rate charged on purchases is 15.95% p.a. and on cash advances is 15.95% p.a.; both are variable and subject to change.
Up to 55 days interest free on purchases only applies if the account is paid in full by the due date each month, excluding balances in a specified promotional period.
A cash advance fee of $5 or 3% of the value of the transaction, whichever is greater, applies to each cash advance.
Macquarie charge a late payment fee of $20 per statement period. Its page says credit cards are currently available to home loan customers and also lists Business Bank clients in the application criteria. The Macquarie RateSaver Card is not available in a Home Loan Package. Confirm eligibility with Macquarie.
Macquarie states the minimum taxable income to apply is $50,000 per annum for a RateSaver card.
Stated as facts from Macquarie's own published pages, not as an opinion about whether the card suits you. Conditions, eligibility and the full fee schedule are on their site.
Purchase rate
15.95%
$69 a year to hold · Up to 55 interest-free days
Go to Macquarie RateSaver
Back to all credit cardsChecked 5 October 2026