RateSaver Macquarie Bank — Save More with Low Fees & No FX

Macquarie's lowest annual fee and interest rate credit card

RateSaver Macquarie Bank — Save More with Low Fees & No FX

Only $69 Annual Fee, 0% Foreign Purchase Fees, Up to 55 Interest-Free Days

What you need to know about this credit card:

  • 15.95% p.a. variable interest on purchases and cash advances
  • Up to 55 days interest-free on purchases (when paid in full)
  • No international purchase fees for overseas or online spending
  • Annual card fee of just $69

Pros:

  • Zero international transaction fees on global purchases
  • Real-time transaction notifications and app control
  • Advanced security with Macquarie Authenticator and Visa Zero Liability
  • Mobile wallet ready (Apple Pay, Google Pay, wearables)
  • Budgeting, tracking and travel features in digital banking

Cons:

  • Minimum taxable income of $50,000 p.a. required
  • No rewards program on this card

Why Choose Macquarie Bank for Your credit card?

Unlike major banks, RateSaver has zero foreign purchase fees and a low $69 annual fee.

Compared to CommBank Low Rate, Macquarie offers advanced budgeting tools at no extra cost.

NAB Low Rate does not provide free global payments or in-app transaction alerts.

Westpac Lite Card charges foreign fees, while RateSaver helps you save overseas.

ANZ Low Rate lacks digital travel tools and real-time push notifications built into the Macquarie app.

Macquarie RateSaver Card: let’s get to know it a little better

How to Apply for Your Macquarie RateSaver Card

Apply online in minutes with proof of income, ID, and digital verification. Approval is subject to eligibility and credit assessment.