Macquarie Bank Visa RateSaver Credit Card : Apply Online

Now there's a low rate credit card with a touch more style. The Macquarie Bank Visa RateSaver has a low on-going rate of 14.95% p.a. on purchases. Transfer your balance from other credit cards and pay 0%for the first 4 months.

	Key Features for the Macquarie Bank Visa RateSaver:
	Low on-going interest rate of 14.95% p.a. on purchases 0% interest on balance transfers for the first 4 months Competitive low annual fee of $49 Up to 55 days interest free on purchases 21.95% p.a. on cash advances Online fraud protection Micro chipped for extra safety 24 hour dedicated customer service Worldwide acceptance with Visa at over 24 million outlets

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.

+ Interest rates are variable, subject to change and to Macquarie Card Services credit criteria. Up to 55 days interest free on purchases only applies if your Account is paid in full by the due date shown each month (including any balance transfers).

+ 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 4 months from the date your account is approved, and then reverts to the standard variable interest rate for purchases. The standard variable interest rate is currently 14.95%pa for purchases and 21.95%pa for cash advances, which is subject to change and Macquarie Card Services credit criteria.

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

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

^^ 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.