Gift card value
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Available
Explore this offer's terms
No recorded gift-card redemption for these terms.
These terms are currently available (site published 3 Oct 2026).
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Can I get this?
This is a public offer.
Can I get this bonus if I have held a card before?
The bonus holding rule for this offer is unverified. Check the offer terms before applying.
See exclusion periods for every Australian issuer →Can I get the card?
$50,000 minimum annual income recorded.
Lending approval is separate from bonus eligibility: approval gets you the card, the conditions above get you the bonus.
How long is this available?
No recorded end date — this does not mean it never ends. Availability is rechecked against the issuer page.
Should I keep it after the first year?
Renewal costs $69 each year ($69 annual fee) — first year was $69.
No second-year bonus recorded — renewal buys ongoing earn and the card's benefits only.
Keeping pays off only if the ongoing earn and benefits are worth $69/yr to you.
Year-two points aren't dollar-valued here: the redemption catalogue may change before renewal, so recheck the rate then.
Low interest card. Available when packaging with a new or existing Macquarie home loan, or for Business Bank clients. $0 international purchase fees.
Terms and evidence
Full current terms
Offer terms
Fees
First Year Annual Fee
$69
Ongoing Annual Fee
$69
From year 2 onwards
Purchase Interest Rate
15.95% p.a.
The value above assumes you pay in full and never pay this. Any interest changes the outcome.
Note: Additional fees may apply for cash advances, foreign transactions, overlimits, and late payments. Check the issuer's terms and conditions for complete fee details.
Offer terms history
These are published versions of this offer's terms. Each version preserves the conditions available at that time.
Published 3 Oct 2026
Changes from terms version 1
First recorded terms
Captures behind the selected terms record — evidence for these terms, not a complete history of the named offer.
Discussion
About the current terms (published 3 Oct 2026).
Community and personal tools
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