Macquarie Ratesaver Card

 General Lending Rates

• Lending Rate Type: Cash Advance
• Interest Rate: 15.95%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose:

 Product Features

• 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.

• 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 - 50000.00. Additional Information: Must earn a minimum taxable income of $50,000 per annum.

• Residency Status - Must Be A 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 as part of a new Macquarie home loan package. Speak to a Macquarie home loan specialist or your broker to find out if a credit card can be packaged with your home loan. For Business Bank clients, speak to your relationship manager who can assist you with a credit card application. For Private Bank clients, speak to your adviser who can assist you with a credit card application.

 Bank Fees and Charges

• Annual Fee Primary Cardholder (Periodic), Amount: 69.00.

• Additional Cardholders (Periodic), Amount: 0.00. Additional Information: $0.00 per additional card holder.

• Information Request Fee (Event), Amount: 7.00.

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

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

• Over The Counter Transaction Fee (Transaction), Amount: 2.00.

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

• Dishonour Fee (Event), Amount: 10.00.

• Voucher Request Fee (Event), Amount: 8.00. Additional Information: $8 per requested sales receipt provided by a third party.

 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.