As well as the standard 55 interest free days offered on all Macquarie credit cards, you can also take advantage of interest free periods and pay nothing for balance transfers or purchases.
Compare Macquarie credit cards Compare Macquarie credit cards – read our review and compare the features and benefits available from Macquarie. We can help you to make an informed decision and find a card that suits you.
|
Card |
Issuer |
Balance Transfers |
Purchases |
Apply |
||||
|---|---|---|---|---|---|---|---|---|
| View Full Table > | ||||||||
|
**Special offer** 0.99% for 12 months on Balance Transfers only available until 11th April 2012.
|
Rate
0.99%
|
Duration
12 mths
|
Rate
N/A
|
Duration
N/A
|
13.24%
|
$55 p.a.
|
||
|
**Special offer** 0.99% p.a. Balance Transfer rate for up to 12 months available until February 29th 2012
|
Rate
0.99%
|
Duration
12 mths
|
Rate
N/A
|
Duration
N/A
|
13.24%
|
$55 p.a.
|
||
|
Rate
0%
|
Duration
6 mths
|
Rate
0%
|
Duration
6 mths
|
13.49%
|
$45 p.a.
|
|||
|
**Special offer** 6 months 0% on Balance Transfers & Purchases only available until 13 March 2012.
|
Rate
0%
|
Duration
6 mths
|
Rate
0%
|
Duration
6 mths
|
19.24%
|
No Annual Fee in 1st Yr, then $87 if spend below $20k
|
||
|
Please note - 2% balance transfer handling fee will apply, this is applied to card on 3rd statement. No Annual Fee for life of the Card.
|
Rate
0%
|
Duration
6 mths
|
Rate
N/A
|
Duration
N/A
|
17.99%
|
Free For Life
|
||
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | 0.99% p.a. for 12 mths |
| Balance Transfer Fee: | 0% |
| Purchase Rate: | N/A |
| Annual Rates | |
| Balance Transfers: | 13.24% p.a. |
| Purchases: | 13.24% p.a. |
| Cash Advance: | 21.49% p.a. |
| Annual Fee: | $55 p.a. |
| Standard Features | |
| Credit Limit: | Subject to Status |
| Interest Free Days: | Up to 55 days |
| On-Line Banking: | Yes |
| Approval Criteria | |
|
|
**Special offer** 0.99% p.a. balance transfer rate for up to 12 months available until February 29th 2012
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | 0.99% p.a. for 12 mths |
| Balance Transfer Fee: | N/A |
| Purchase Rate: | N/A |
| Annual Rates | |
| Balance Transfers: | 13.24% p.a. |
| Purchases: | 13.24% p.a. |
| Cash Advance: | 21.49% p.a. |
| Annual Fee: | $55 p.a. |
| Standard Features | |
| Credit Limit: | Subject to Status |
| Interest Free Days: | Up to 55 days |
| On-Line Banking: | Yes |
| Approval Criteria | |
|
|
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | 0% p.a. for 6 mths |
| Balance Transfer Fee: | N/A |
| Purchase Rate: | 0% p.a. for 6 mths |
| Annual Rates | |
| Balance Transfers: | 13.49% p.a. |
| Purchases: | 13.49% p.a. |
| Cash Advance: | 21.49% p.a. |
| Annual Fee: | $45 p.a. |
| Standard Features | |
| Interest Free Days: | Up to 55 days |
| On-Line Banking: | Yes |
| Approval Criteria | |
|
|
Get 6 months 0% on balance transfers and purchases...offer ends 13th March 2012! Also get $0 Annual Fee1 for the first year, then only $87 per year!
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | 0% p.a. for 6 mths |
| Balance Transfer Fee: | N/A |
| Purchase Rate: | 0% p.a. for 6 mths |
| Annual Rates | |
| Balance Transfers: | 19.24% p.a. |
| Purchases: | 19.24% p.a. |
| Cash Advance: | 20.99% p.a. |
| Annual Fee: | No Annual Fee in 1st Yr, then $87 if spend below $20k |
| Standard Features | |
| Credit Limit: | Subject to Status |
| Interest Free Days: | Up to 55 days |
| On-Line Banking: | Yes |
| Approval Criteria | |
|
|
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | 0% p.a. for 6 mths |
| Balance Transfer Fee: | 2% |
| Purchase Rate: | N/A |
| Annual Rates | |
| Balance Transfers: | N/A |
| Purchases: | 17.99% p.a. |
| Cash Advance: | 21.99% p.a. |
| Annual Fee: | Free For Life |
| Standard Features | |
| Credit Limit: | Subject to Status |
| Interest Free Days: | Up to 55 days |
| On-Line Banking: | Yes |
| Approval Criteria | |
|
|
Save $50 on your 1st years annual fee reducing the cost from $99 to $49! Also, get up to 4 additional card holders - annual fee of $19 each.
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | 2.90% p.a. for 12 mths |
| Balance Transfer Fee: | N/A |
| Purchase Rate: | N/A |
| Annual Rates | |
| Balance Transfers: | 21.74% p.a. |
| Purchases: | 11.99% p.a. |
| Cash Advance: | 21.74% p.a. |
| Annual Fee: | $99 - $50 off in 1st year = $49 |
| Standard Features | |
| Credit Limit: | $20,000 |
| Interest Free Days: | Up to 55 days |
| On-Line Banking: | No |
| Approval Criteria | |
|
|
Buy a seat on Virgin Blue with the new Virgin Flyer Credit Card and Virgin will give you a second complimentary seat on the flight, up to 4 times a year. Every year. All you have to do is cover the credit card booking fees!!
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | 1.90% p.a. for 9 mths |
| Balance Transfer Fee: | N/A |
| Purchase Rate: | N/A |
| Annual Rates | |
| Balance Transfers: | 20.99% p.a. |
| Purchases: | 20.99% p.a. |
| Cash Advance: | 20.99% p.a. |
| Annual Fee: | $99 p.a. |
| Standard Features | |
| Credit Limit: | $5,000 - $100,000 |
| Interest Free Days: | Up to 44 days |
| On-Line Banking: | Yes |
| Approval Criteria | |
|
|
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | 0% p.a. for 3 mths |
| Balance Transfer Fee: | N/A |
| Purchase Rate: | 0% p.a. for 3 mths |
| Annual Rates | |
| Balance Transfers: | 13.24% p.a. |
| Purchases: | 13.24% p.a. |
| Cash Advance: | 21.49% p.a. |
| Annual Fee: | $58 p.a. |
| Standard Features | |
| Credit Limit: | Subject to Status |
| Interest Free Days: | Up to 55 days |
| On-Line Banking: | Yes |
| Approval Criteria | |
|
|
Apply for the HSBC Platinum Qantas Credit Card before 31 March 2012, be approved and make an eligible purchase within 3 months, and you'll receive a bonus 20,000 Qantas Frequent Flyer points. You can redeem those points for a Classic Award economy flight from Sydney to Melbourne (8,000 points plus $23.53 in surcharges, fees and taxes).
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | 0% p.a. for 6 mths |
| Balance Transfer Fee: | 2% |
| Purchase Rate: | N/A |
| Annual Rates | |
| Balance Transfers: | 18.99% p.a. |
| Purchases: | 18.99% p.a. |
| Cash Advance: | 21.75% p.a. |
| Annual Fee: | $199 |
| Standard Features | |
| Credit Limit: | Subject to Status |
| Interest Free Days: | Up to 45 days |
| On-Line Banking: | Yes |
| Approval Criteria | |
|
|
For your loyalty, every year you spend at least $10,000 p.a. Westpac will waive the annual fee the following year!!
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | 3.99% p.a. for 6 mths |
| Balance Transfer Fee: | N/A |
| Purchase Rate: | 0% p.a. for 5 mths |
| Annual Rates | |
| Balance Transfers: | 19.59% p.a. |
| Purchases: | 19.59% p.a. |
| Cash Advance: | 21.49% p.a. |
| Annual Fee: | No Annual Fee in 1st Yr, then $30 |
| Standard Features | |
| Interest Free Days: | Up to 55 days |
| On-Line Banking: | Yes |
| Approval Criteria | |
|
|
Get complimentary international travel insurance, purchase cover and extended warranty insurance
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | 0.99% p.a. for 6 mths |
| Balance Transfer Fee: | N/A |
| Purchase Rate: | N/A |
| Annual Rates | |
| Balance Transfers: | 18.74% p.a. |
| Purchases: | 19.99% p.a. |
| Cash Advance: | 21.49% p.a. |
| Annual Fee: | $75 p.a. |
| Standard Features | |
| Interest Free Days: | Up to 45 days |
| On-Line Banking: | Yes |
| Approval Criteria | |
|
|
Complimentary purchase security, extended warranty, and Qantas Frequent Flyer membership for limited period.
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | 0.99% p.a. for 6 mths |
| Balance Transfer Fee: | N/A |
| Purchase Rate: | N/A |
| Annual Rates | |
| Balance Transfers: | 19.99% p.a. |
| Purchases: | 19.99% p.a. |
| Cash Advance: | 21.49% p.a. |
| Annual Fee: | $125 p.a. |
| Standard Features | |
| Interest Free Days: | Up to 45 days |
| On-Line Banking: | No |
| Approval Criteria | |
|
|
Get complimentary international travel insurance, purchase cover and extended warranty insurance
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | 0.99% p.a. for 6 mths |
| Balance Transfer Fee: | N/A |
| Purchase Rate: | N/A |
| Annual Rates | |
| Balance Transfers: | 19.99% p.a. |
| Purchases: | 19.99% p.a. |
| Cash Advance: | 21.49% p.a. |
| Annual Fee: | $250 |
| Standard Features | |
| Interest Free Days: | Up to 45 days |
| On-Line Banking: | Yes |
| Approval Criteria | |
|
|
For your loyalty, every year you spend at least $15,000 p.a. Westpac will waive the annual fee the following year!!
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | 3.99% p.a. for 6 mths |
| Balance Transfer Fee: | N/A |
| Purchase Rate: | N/A |
| Annual Rates | |
| Balance Transfers: | 19.59% p.a. |
| Purchases: | 19.59% p.a. |
| Cash Advance: | 21.49% p.a. |
| Annual Fee: | No Annual Fee in 1st Yr, then $90 if spend below $15k |
| Standard Features | |
| Interest Free Days: | Up to 55 days |
| On-Line Banking: | Yes |
| Approval Criteria | |
|
|
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | 3.99% p.a. for 6 mths |
| Balance Transfer Fee: | N/A |
| Purchase Rate: | N/A |
| Annual Rates | |
| Balance Transfers: | 19.99% p.a. |
| Purchases: | 19.99% p.a. |
| Cash Advance: | 21.59% p.a. |
| Annual Fee: | $100 p.a. |
| Standard Features | |
| Credit Limit: | Subject to Status |
| Interest Free Days: | Up to 45 days |
| On-Line Banking: | Yes |
| Approval Criteria | |
|
|
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | 3.99% p.a. for 6 mths |
| Balance Transfer Fee: | N/A |
| Purchase Rate: | N/A |
| Annual Rates | |
| Balance Transfers: | 19.99% p.a. |
| Purchases: | 19.99% p.a. |
| Cash Advance: | 21.59% p.a. |
| Annual Fee: | $150 p.a. |
| Standard Features | |
| Credit Limit: | Subject to Status |
| Interest Free Days: | Up to 45 days |
| On-Line Banking: | Yes |
| Approval Criteria | |
|
|
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | 3.99% p.a. for 6 mths |
| Balance Transfer Fee: | N/A |
| Purchase Rate: | N/A |
| Annual Rates | |
| Balance Transfers: | 19.99% p.a. |
| Purchases: | 19.99% p.a. |
| Cash Advance: | 21.59% p.a. |
| Annual Fee: | $295 p.a. |
| Standard Features | |
| Credit Limit: | Subject to Status |
| Interest Free Days: | Up to 45 days |
| On-Line Banking: | Yes |
| Approval Criteria | |
|
|
Please note this card offers a standard rate of 10.99%p.a - Australia's lowest MasterCard purchase rate! Australia's Cheapest Credit Card’ in Money magazine's 2011 Best of the Best Awards
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | 5.99% p.a. for 12 mths |
| Balance Transfer Fee: | N/A |
| Purchase Rate: | N/A |
| Annual Rates | |
| Balance Transfers: | 10.99% p.a. |
| Purchases: | 10.99% p.a. |
| Cash Advance: | 21.99% p.a. |
| Annual Fee: | $59 p.a. |
| Standard Features | |
| Credit Limit: | Subject to Status |
| Interest Free Days: | Up to 55 days |
| On-Line Banking: | Yes |
| Approval Criteria | |
|
|
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | N/A |
| Balance Transfer Fee: | N/A |
| Purchase Rate: | N/A |
| Annual Rates | |
| Balance Transfers: | 21.74% p.a. |
| Purchases: | 15.99% p.a. |
| Cash Advance: | 21.74% p.a. |
| Annual Fee: | $65 p.a. |
| Standard Features | |
| Credit Limit: | $20,000 |
| Interest Free Days: | Up to 55 days |
| On-Line Banking: | No |
| Approval Criteria | |
|
|
Gold Includes: - High Credit Limits from $5,000 - Travel Insurance - Transit Accident Insurance - Purchase cover - Extended warranty on purchases
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | N/A |
| Balance Transfer Fee: | N/A |
| Purchase Rate: | N/A |
| Annual Rates | |
| Balance Transfers: | 15.99% p.a. |
| Purchases: | 15.99% p.a. |
| Cash Advance: | 20.24% p.a. |
| Annual Fee: | $79 p.a. |
| Standard Features | |
| Credit Limit: | Subject to Status |
| Interest Free Days: | Up to 55 days |
| On-Line Banking: | Yes |
| Approval Criteria | |
|
|
With the low rate Aussie MasterCard® they've done away with unnecessary extras like expensive rewards. You get a no-nonsense credit card with a great low rate on purchases.
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | 2.99% p.a. for 12 mths |
| Balance Transfer Fee: | N/A |
| Purchase Rate: | 9.99% p.a. for 12 mths |
| Annual Rates | |
| Balance Transfers: | 13.29% p.a. |
| Purchases: | 13.29% p.a. |
| Cash Advance: | 19.99% p.a. |
| Annual Fee: | $49 p.a. |
| Standard Features | |
| Credit Limit: | Subject to Status |
| Interest Free Days: | Up to 55 days |
| On-Line Banking: | Yes |
| Approval Criteria | |
|
|
No Annual Fee!!! Plus, get automatic purchase protection & built in international travel insurance
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | 5.99% p.a. for 9 mths |
| Balance Transfer Fee: | N/A |
| Purchase Rate: | 5.99% p.a. for 9 mths |
| Annual Rates | |
| Balance Transfers: | 17.99% p.a. |
| Purchases: | 17.99% p.a. |
| Cash Advance: | 16.99% p.a. |
| Annual Fee: | Free For Life |
| Standard Features | |
| Credit Limit: | Subject to Status |
| Interest Free Days: | Up to 55 days |
| On-Line Banking: | Yes |
| Approval Criteria | |
|
|
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | 2.90% p.a. for 6 mths |
| Balance Transfer Fee: | N/A |
| Purchase Rate: | N/A |
| Annual Rates | |
| Balance Transfers: | 20.99% p.a. |
| Purchases: | 18.99% p.a. |
| Cash Advance: | 20.99% p.a. |
| Annual Fee: | Free For Life |
| Standard Features | |
| Credit Limit: | $2,000 - $10,000 |
| Interest Free Days: | Up to 44 days |
| On-Line Banking: | Yes |
| Approval Criteria | |
|
|
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | 0.99% p.a. for 6 mths |
| Balance Transfer Fee: | N/A |
| Purchase Rate: | N/A |
| Annual Rates | |
| Balance Transfers: | 18.74% p.a. |
| Purchases: | 18.74% p.a. |
| Cash Advance: | 20.74% p.a. |
| Annual Fee: | $79 p.a. |
| Standard Features | |
| Credit Limit: | Subject to Status |
| Interest Free Days: | Up to 55 days |
| On-Line Banking: | Yes |
| Approval Criteria | |
|
|
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | 3.99% p.a. for 6 mths |
| Balance Transfer Fee: | N/A |
| Purchase Rate: | N/A |
| Annual Rates | |
| Balance Transfers: | 15.99% p.a. |
| Purchases: | 15.99% p.a. |
| Cash Advance: | 21.49% p.a. |
| Annual Fee: | $89 p.a. |
| Standard Features | |
| Credit Limit: | Subject to Status |
| Interest Free Days: | Up to 55 days |
| On-Line Banking: | Yes |
| Approval Criteria | |
|
|
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | N/A |
| Balance Transfer Fee: | N/A |
| Purchase Rate: | N/A |
| Annual Rates | |
| Balance Transfers: | 13.49% p.a. |
| Purchases: | 13.49% p.a. |
| Cash Advance: | 21.74% p.a. |
| Annual Fee: | $78 p.a. |
| Standard Features | |
| Interest Free Days: | Up to 55 days |
| On-Line Banking: | Yes |
| Approval Criteria | |
|
|
Make an eligible purchase in the first 2 months and earn a bonus 5,000 More Rewards points. Opt in to More Rewards Qantas and earn 1,666 Qantas Frequent Flyer points.
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | 5.99% p.a. for 12 mths |
| Balance Transfer Fee: | N/A |
| Purchase Rate: | N/A |
| Annual Rates | |
| Balance Transfers: | 19.24% p.a. |
| Purchases: | 19.24% p.a. |
| Cash Advance: | 20.49% p.a. |
| Annual Fee: | $89 p.a. |
| Standard Features | |
| Credit Limit: | Subject to Status |
| Interest Free Days: | Up to 55 days |
| On-Line Banking: | Yes |
| Approval Criteria | |
|
|
Get 50% off the Annual Fee for the life of the card, from $199 to only $99 if you apply before 15th April 2012.
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | 1.90% p.a. for 6 mths |
| Balance Transfer Fee: | 0% |
| Purchase Rate: | N/A |
| Annual Rates | |
| Balance Transfers: | 20.74% p.a. |
| Purchases: | 20.74% p.a. |
| Cash Advance: | 21.74% p.a. |
| Annual Fee: | $99 |
| Standard Features | |
| Credit Limit: | $100,000 |
| Interest Free Days: | Up to 55 days |
| On-Line Banking: | No |
| Approval Criteria | |
|
|
Get your annual fee reduced by $30 if you have or take out a Commonwealth Bank Account or Loan.
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | N/A |
| Balance Transfer Fee: | N/A |
| Purchase Rate: | N/A |
| Annual Rates | |
| Balance Transfers: | 21.74% p.a. |
| Purchases: | 20.74% p.a. |
| Cash Advance: | 21.74% p.a. |
| Annual Fee: | $144 |
| Standard Features | |
| Credit Limit: | Subject to Status |
| Interest Free Days: | Up to 55 days |
| On-Line Banking: | Yes |
| Approval Criteria | |
|
|
Get your annual fee reduced by $30 if you have or take out a Commonwealth Bank Account or Loan.
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | N/A |
| Balance Transfer Fee: | N/A |
| Purchase Rate: | N/A |
| Annual Rates | |
| Balance Transfers: | 21.74% p.a. |
| Purchases: | 20.74% p.a. |
| Cash Advance: | 21.74% p.a. |
| Annual Fee: | $280 |
| Standard Features | |
| Credit Limit: | Subject to Status |
| Interest Free Days: | Up to 55 days |
| On-Line Banking: | Yes |
| Approval Criteria | |
|
|
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | N/A |
| Balance Transfer Fee: | N/A |
| Purchase Rate: | N/A |
| Annual Rates | |
| Balance Transfers: | 21.74% p.a. |
| Purchases: | 20.74% p.a. |
| Cash Advance: | 21.74% p.a. |
| Annual Fee: | $89 |
| Standard Features | |
| Credit Limit: | Subject to Status |
| Interest Free Days: | Up to 55 days |
| On-Line Banking: | Yes |
| Approval Criteria | |
|
|
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | 0% p.a. for 3 mths |
| Balance Transfer Fee: | N/A |
| Purchase Rate: | 0% p.a. for 3 mths |
| Annual Rates | |
| Balance Transfers: | 19.24% p.a. |
| Purchases: | 19.24% p.a. |
| Cash Advance: | 20.99% p.a. |
| Annual Fee: | $30 |
| Standard Features | |
| Credit Limit: | Subject to Status |
| Interest Free Days: | Up to 44 days |
| On-Line Banking: | Yes |
| Approval Criteria | |
|
|
Get 15,000 bonus Velocity Points when you spend $5000 on your card within the first 3 months. Buy a seat on Virgin Blue with the new Virgin Flyer Credit Card and Virgin will give you a second seat on the flight for FREE, up to 4 times a year. Every year. All you have to do is cover the credit card booking fees!!
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | 1.90% p.a. for 6 mths |
| Balance Transfer Fee: | N/A |
| Purchase Rate: | N/A |
| Annual Rates | |
| Balance Transfers: | 20.99% p.a. |
| Purchases: | 20.99% p.a. |
| Cash Advance: | 20.99% p.a. |
| Annual Fee: | $249 p.a. |
| Standard Features | |
| Credit Limit: | $5,000 - $100,000 |
| Interest Free Days: | Up to 44 days |
| On-Line Banking: | Yes |
| Approval Criteria | |
|
|