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Macquarie Black CardFeatures and Benefits Guide

macquarie.com

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Welcome to Macquarie’s most rewarding card

Your rewards 2

Privileges 4

Insurance 8

Convenience and security 11

Manage your card 13

Important information 15

Contacts 16

Congratulations, welcome to your new Macquarie Black Card.

You now have Macquarie’s most rewarding credit card in your hands, giving you generous Macquarie Rewards earning potential and much more.

Everything you need to know about getting the most out of your new Macquarie Black Card is in this guide, including how to maximise your rewards with Macquarie Rewards, accessing an array of complimentary insurance and much more.

Activate your card in three simple steps

1 Go to online.macquarie.com.au

2 Login with your Macquarie ID and Online Password

3 Follow the prompts to set your own memorable PIN, sign the back your card and you are ready.

Read on to learn more about your new card. We hope you enjoy all the benefits of being a Macquarie Black cardholder.

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Your Rewards We’re giving you the freedom to reward yourself however you want, whenever you want.

Macquarie Reward points can be redeemed for eGift cards from a range of popular Australian and global retailers.

Macquarie Rewards is part of our award-winning digital banking offering, with the ability to browse, redeem and retrieve digital eGift cards directly within our Mobile Banking app and online banking site. eGift cards are sent to your email and are visible when you log in to your Macquarie Mobile Banking App and Macquarie Online account, allowing you to easily access and enjoy your rewards.

There’s also a Cashback option if you prefer, where you can choose to redeem your Macquarie Reward points for cashback into selected Macquarie accounts.

With generous points earning potential, you’ll be ready to redeem in no time!

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Reward yourself with what you really want1.

To calculate the Macquarie Reward points earning potential of your Macquarie Black Card, visit  macquarie.com/rewards-black

2 Macquarie Reward points

per $1 spent on all eligible purchases1

Log in to online.macquarie.com.au or the Macquarie Mobile Banking app to redeem your points.

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Privileges

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Visa Luxury Hotel Collection2

Visa Luxury Hotel Collection is comprised of some of the world’s most intriguing and prestigious properties, a hand-selected portfolio of over 900 hotels worldwide. With every booking at a Visa Luxury Hotel, Macquarie Black Card customers receive:

• best available rate guaranteed• automatic room upgrade upon arrival, when available• free in-room internet• complimentary continental breakfast • 3pm check-out, when available• VIP guest status• $US25 food or beverage voucher.

Visit visaluxuryhotels.com to sign-up and get more information.

Visa Entertainment

Experience more with Visa Entertainment. Your Macquarie Black Card gives you access to exclusive ticket pre sales, offers and competitions from some of the world’s greatest entertainment brands, courtesy of Visa Entertainment.

To keep up to date with Visa Entertainment offers, visit visaentertainment.com.au to sign up for email alerts.

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Airport fast track and meet and greet3

Travel through the airport stress-free with your own Airport Concierge.

Arrival servicesYour Airport Concierge will be waiting for you when you land and will assist you with all aspects of the arrival process from your plane to your driver. Expedited transfer through immigration is provided where available.

Departure services Your Airport Concierge will meet you and help with all aspects of departure services through the airport and escort you to the flight departure gate. Expedited transfer through immigration and security is provided where available.

Call +61 2 9273 2705 before your next trip to get a quote and book your Airport Concierge.

24/7 Concierge Service3

Take advantage of access to the Concierge Service. It’s like having your own personal assistant. Whatever you need, it’s just a phone call away, anywhere in the world.

To contact your Concierge Service, simply call +61 2 9273 2705 and quote your Macquarie Black Card number.

Overseas airport lounge access

Perfect for business trips or family holidays, access over 750 airport lounges around the world, regardless of class of travel or airline you’re flying. Enjoy complimentary refreshments and snacks in a relaxed environment where you can kick back or catch up on work.

Call our 24/7 Concierge Service on +61 2 9273 2705 to find out what lounges are available for your next trip and get a quote for access for you and your family. Excludes airport lounges in Australia3.

Simplify your finances with our balance transfer offer 4

Take advantage of our special balance transfer offer. By transferring the balances from your other credit cards, you may save on interest as well as have the convenience of knowing all your balances are in one place4.

Simply request a balance transfer by logging in to Macquarie Online at online.macquarie.com.au using your Access Code and Online Password, or call us on 1300 150 300, anytime 24/7.

20% discount on limousine travel in Australia3

Need transport for a special occasion?

Whether you want to arrive at the airport in style or need to get to a restaurant for that special occasion, book a limousine transfer with our 24/7 Concierge Service on +61 2 9273 2705 and you’ll receive 20% off your booking, up to $100 in discounts per year.

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Complimentary insurance for your peace of mind5

Overseas Travel Insurance5 90 days of coverComplimentary travel insurance covering you, your spouse and any dependent children for international journeys. Limits apply.

Travel Cancellation CoverFor any part of your journey that is unexpectedly cancelled (except agent’s cancellation fee).

Use your Macquarie Black Card when you pay and enjoy the peace of mind of complimentary insurance.

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Overseas Medical Emergency Expenses Cover and Hospital Cash CoverInvaluable cover whether you’re holidaying in Hawaii or skiing in Japan. Limits apply.

Personal Liability Cover of up to $2.5 millionFor injury to any person, or accidental loss or damage to property.

Other Complimentary Insurance5

Rental Vehicle Excess CoverIf you cause loss or damage to a rental vehicle, cover is provided for up to $5,000 for any excess or deductible amount you become legally liable for.

Transport Accident CoverIf you’re in an accident while you’re travelling on a “common carrier conveyance” and sustain injury, you could be entitled to up to $500,000 protection.

Extended Warranty InsuranceFor most new purchases under $10,000, your Macquarie Black Card automatically extends the original 12 month warranty for another 12 months from the date the original manufacturer’s Australian warranty expires.

90 day purchase security insuranceIf something you buy on your card is stolen or accidentally damaged anywhere in the world within 90 days of you buying it, we’ll arrange for it to be repaired, replaced, rebuilt or reinstated up to $2,500 per item. A $250 excess applies.

Shop and pay with confidence

Shop online with ease

Our online fraud protection provides 24/7 account monitoring.

Feel protected, knowing you are covered by Visa’s Zero Liability policy and are not held liable for unauthorised purchases6.

Verified by Visa adds security to your card by ensuring only you can use your Visa card online.

You won’t be held responsible for fraudulent charges or unauthorised purchases made with your card or account information.

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Wave and go

Go faster with Visa payWave, making your transactions quick and convenient.

Simply hold your card in front of a contactless reader to complete the payment. Visit visapaywave.com.au for details.

Chip technology for your security

The microchip in your card provides enhanced security so you’re better protected against unauthorised use of your card.

Up to 55 days interest free on eligible purchases

When you pay your total outstanding closing balance (excluding any balance transfer and interest free finance amounts) by the due date each month.

Manage your card

You can manage your card quickly and conveniently with Macquarie online banking and mobile banking app.

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Manage your account at the time that suits you with online banking

• check your balance and payment information• change your PIN• pay your bills using BPAY®

• view your statements• view your balance of Macquarie Reward points.

To log in to online banking, go to online.macquarie.com.au and enter your Macquarie ID and Online Password.

Bank on-the-go!Macquarie’s mobile banking app is the exciting and easy way for you to do your banking and budgeting in real time and on-the-go.

Download the mobile banking app at:

IMPORTANT INFORMATION

Macquarie Bank Limited ABN 46 008 583 542 Australian Credit Licence 237502Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S.and other countries. App Store is a service mark of Apple Inc. Android, Google Pay, and the Google Logo are trademarks of Google LLC.

1. Macquarie Reward points have no points cap on the Macquarie Black Card. Macquarie Rewards are subject to the Macquarie Rewards Program Terms and Conditions. Macquarie Reward points are not earned on cash advances, balance transfers or other restricted transactions detailed in the Macquarie Rewards Program Terms and Conditions.

2. Subject to the terms and conditions of the Visa Luxury Hotel Collection. See www.visaluxuryhotels.com/about/benefits for details.3. Concierge Services are provided by Aspire Lifestyles (Australasia) Pty Ltd. Maximum discount of AUD$100 will apply per calendar year. The discount will be applied at the time of booking and the

outstanding amount must be paid for with your Macquarie Black Card. If a booking is cancelled within 24 hours of the scheduled time, you will still be charged for the booking and the discount will still be applied to your annual maximum. Limousine travel can only be used within Australia and subject to availability. Accessing concierge services is free but you must pay for the goods or services that you purchase through the service.

4. After the promotional period, the standard variable interest rate for purchases applies. Minimum repayments are required. For further details refer to the Balance Transfer Terms and Conditions, available at macquarie.com/au/personal/credit-cards

5. Overseas Travel Insurance, Interstate Flight Inconvenience Insurance, Transport Accident Insurance, Purchase Security Insurance, Extended Warranty Insurance and Global Hire Car Excess Waiver are underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) (Chubb) and are subject to the terms, conditions, excesses and exclusions contained in the Macquarie Black Card policy of insurance between Macquarie Bank Limited (ABN 46 008 583 542 AFSL No. 237502) (MBL) and Chubb. This brochure doesn’t take into account your objectives, financial situation or needs. It is important for you to read Macquarie Black Card Insurance Terms and Conditions available by calling 1300 150 300 and consider the appropriateness of that insurance in relation to your individual requirements.

6. Visa’s Zero Liability policy does not apply to ATM transactions, transactions not processed by Visa or certain commercial card transactions. You should notify Macquarie promptly of any unauthorised use of your Visa card.

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Macquarie Card ServicesCall 1300 150 300 (Australia) or +61 2 8232 1684 (overseas)

Lost or stolen cardsCall 1800 618 167 (Australia) and select option 3 or +61 2 9017 9520 (overseas)

24/7 Concierge ServiceCall +61 2 9273 2705

Insurance questions or claimsCall 1300 791 804 (Australia) or +61 2 8907 5666 (overseas)

BFS0834 07/2017