Macquarie Bank Visa Gold Credit Card

Not all Gold Cards are created equal. With its exceptional customer service and extensive suite of benefits, the Macquarie Visa Gold Card is the only card you'll ever need.

	Key Features for the Macquarie Bank Visa Gold:
	0% p.a. on Balance Transfers for 6 months Earn 1 Reward points for every dollar spent^, and you can redeem your points for flights anywhere, anytime Rewards - Access to a unique personalised Rewards program. Interest rate of 20.95%p.a. on purchases and 21.95%p.a. on cash advances Up to 55 interest free days on purchases Annual fee of $100 Complimentary insurance~ Enjoy peace of mind with complimentary overseas travel insurance, including rental vehicle excess cover, extended warranty, and 90 day purchase security insurance.

Terms and Conditions
Approval is subject to Macquarie Card Services credit criteria. Terms and Conditions, fees and charges apply and are available upon request. Allow up to 10 working days to process your application.

+ Rates are variable and subject to change.

^ Up to $130,000 annually. Rewards are subject to the Macquarie Bank Rewards Program Terms and Conditions. Reward points are not earned on cash advances or balance transfers.

∆ For full details of the Overseas Travel Insurance, Interstate Flight Inconvenience Insurance, Transport Accident Insurance, Purchase Security Insurance and Extended Warranty Insurance, including the terms, conditions and exclusions, please refer to the Macquarie Credit Card Insurance Terms and Conditions and be aware of its various terms, conditions and exclusions.

* The 0% pa interest rate applies only to balances transferred with this offer from the date the account is approved. Minimum repayments are required. Transferred balances will be repaid first. Discounted interest rate applies to the balance transferred for the first 6 months from the date your account is approved, and then reverts to the standard variable interest rate for purchases. The standard variable rate is currently 20.95% pa for purchases, which is subject to change and Macquarie Card Services credit criteria.

× Unless there is provable evidence of Cardholder negligence, fraud or collusion. Excludes ATM cash disbursements.

Secure Sentinel membership is provided by Secure Sentinel Pty Ltd ABN 53 054 235 157 and is subject to the Terms and Conditions of Secure Sentinel. It is important for you to read Secure Sentinel membership terms and conditions available at www.securesentinel.com.au. Macquarie Bank Limited (ABN 46 008 583 542) is not liable or responsible for any guarantees, warranties or representations made by Secure Sentinel for the supply of Secure Sentinel membership.

*MyChoice Travel is operated by Pinpoint Travel Group Pty Ltd Lic No 2TA002974

°Up to 55 days interest free on purchases only applies if your Account is paid in full by the due date each month (including any balance transfers).

^^Macquarie Life Limited (Macquarie Life) ABN 56 003 963 773 AFSL 237 497 is the issuer of all the benefits of the CRI product other than Involuntary Unemployment, which is issued through St Andrew's Insurance (Australia) Pty Ltd ABN 89 075 044 656 AFSL 239 649 (St Andrew's.) Macquarie Life and St Andrew's jointly issue and are responsible for the Product Disclosure Statement (PDS). You can obtain a copy of the PDS by calling 1300 150 300.

St Andrew's is not an authorised deposit-taking institution for the purposes of the Banking Act (Cth) 1959 and its obligations do not represent deposits or other liabilities of Macquarie Bank Limited ABN 46 008 583 542. Macquarie Bank Limited does not guarantee or otherwise provide assurance in respect of the obligations of St Andrew's. 

Sykes Financial Services Pty Limited (Sykes) ABN 115 290 893 AFSL 299 767 has prepared the Financial Services Guide (FSG) and is legally responsible for that part of the combined Product Disclosure Statement and Financial Services Guide.