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3 cards side by side

Macquarie Black Card vs Macquarie Platinum Card vs Macquarie RateSaver Card

At a glance
  • Lowest purchase APR: Macquarie RateSaver Card — 15.95%, vs Macquarie Black Card 20.7% and Macquarie Platinum Card 20.7%.
  • Annual fee: not confirmed for Macquarie Black Card and Macquarie Platinum Card, so we don't say which is lower.
  • Same foreign transaction fee on all 3: 0%.
  1. Macquarie Black CardMacquarie Bank4 of 8 facts on file · annual fee not yet checked
  2. Macquarie Platinum CardMacquarie Bank4 of 8 facts on file · annual fee not yet checked
  3. Macquarie RateSaver CardMacquarie Bank5 of 8 facts on file · annual fee checked Sep 2026
Purchase interest (APR)Charged on balances you carry. Your rate may depend on approval. Lower is marked only when a published issuer or regulator document confirms every card's rate.
Macquarie Black Card
20.7%
Macquarie Platinum Card
20.7%
Macquarie RateSaver Card
15.95%Lower
Annual feePer year. Lower is marked only when every fee has been verified against the issuer.Not confirmed for Macquarie Black Card and Macquarie Platinum Card, so no card is marked lower.
Macquarie Black Card
Not confirmed
Macquarie Platinum Card
Not confirmed
Macquarie RateSaver Card
A$69
Foreign transaction feeSame on allAdded to purchases in another currency. Lower is marked only when a published issuer or regulator document confirms every card's fee.
Macquarie Black Card
0%
Macquarie Platinum Card
0%
Macquarie RateSaver Card
0%
Listed underThe sections of this site the card appears in.
Macquarie Black Card
Premium, Rewards, Travel Insurance
Macquarie Platinum Card
Premium, Rewards, Travel Insurance
Macquarie RateSaver Card
Low Interest, Rewards
NetworkSame on allWhere the card is accepted.
Macquarie Black Card
Visa
Macquarie Platinum Card
Visa
Macquarie RateSaver Card
Visa
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Not confirmed for any of these cards: Top earn rates, Welcome offer, Rewards program. We leave these out rather than show a row of blanks — check the issuer’s own terms for them.

Lower lowest figure, marked only when every card’s figure is confirmed by the issuer’s or a regulator’s published document Not confirmed: we hold no checked figure — a blank is not a claim of zero On file, but not yet checked with the issuer — confirm it on their own page

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Your cards · 3 of 4
  • Macquarie Black Card
  • Macquarie Platinum Card
  • Macquarie RateSaver Card
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The bottom line

Which one?

Cost is only half of it. Match each card’s earn rates and welcome offer to where your money actually goes, confirm anything marked “not confirmed” with the issuer, then open the full review for the card that fits.

Macquarie Black Card reviewMacquarie Platinum Card reviewMacquarie RateSaver Card review
Questions

Frequently asked

Can I hold Macquarie Black Card, Macquarie Platinum Card and Macquarie RateSaver Card at the same time?

In most cases, yes. Holding cards from different issuers is common and can help you cover more spending categories. Check each issuer's own policies for any restrictions.

Are these cards available in Australia?

Every card in this comparison is issued for Australia. Approval depends on each issuer's credit and income criteria.