Macquarie Black Card Features and Benefits Guide 1 macquarie.com
Welcome to Macquarie s most rewarding card Your rewards 2 Privileges 5 Insurance 8 Convenience and security 11 Manage your card 14 Important information 16 Contacts 18 2
Congratulations, welcome to your new Macquarie Black Card. You now have Macquarie s most rewarding credit card in your hands, giving you high spending power with 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 Access Code (MAC) 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. Lorenzo Schirru Head of Macquarie Cards 1
Your Rewards 2
Reward yourself with what you really want 1 Indulge in the wide choice of offers and experiences available with Macquarie Rewards, giving you access to an exclusive range of rewards from internationally renowned brands. With the generous rewards points earning potential and an extensive list of bonus partners, you ll be ready in no time to redeem and to spoil yourself or your loved ones. To view selected Bonus Partners, go to macquarie.com.au/rewards and click Earn Points. To calculate the Macquarie Reward points earning potential of your Macquarie Black Card and see what rewards you can redeem from points earned from your monthly spending, visit macquarie.com/rewards-black 4Macquarie Reward points per $1 spent on Macquarie Personal Travel products and services 1 3Macquarie Reward points per $1 spent on other Bonus Partners products and services 1 4Macquarie Reward points per $1 spent on selected Bonus Partners products and services 1 2Macquarie Reward points per $1 spent on all other eligible purchases 1 3
Need a holiday? Check out our latest travel offers from Macquarie Personal Travel 2 and plan your next getaway at macquarie.com.au/rewards Book domestic and international flights. Exclusive Travel Benefits: $250 Macquarie Personal Travel Privilege 4 : Receive a $250 discount for every $5,000 spent in one transaction when you book through the Macquarie Personal Travel call centre. Book online at macquarie.com.au/rewards or call 1300 653 192 for the latest prices. Book hotels. Use your Macquarie Reward points to pay, or your Macquarie Black Card, or a combination of the two 3. 4
Privileges Visa Luxury Hotel Collection 5 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. 5
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. 24/7 Concierge Service 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. 20% discount on limousine travel 6 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. 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 Australia. 6
Airport fast track and meet and greet Travel through the airport stress-free with your own Airport Concierge. Arrival services Your 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. Simplify your finances with our balance transfer offer 7 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 place 7. 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. 7
Complimentary insurance for your peace of mind 8 8
Use your Macquarie Black Card when you pay and enjoy the peace of mind of complimentary insurance. Overseas Travel Insurance 8 90 days of cover Complimentary travel insurance covering you, your spouse and any dependent children for international journeys. Limits apply. Travel Cancellation Cover For any part of your journey that is unexpectedly cancelled (except agent s cancellation fee). 9
Overseas Medical Emergency Expenses Cover and Hospital Cash Cover Invaluable cover whether you re holidaying in Hawaii or skiing in Japan. Limits apply. Personal Liability Cover of up to $2.5 million For injury to any person, or accidental loss or damage to property. Other Complimentary Insurance 8 Rental Vehicle Excess Cover If 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 Cover If 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 Insurance For 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 insurance If 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. 10
Shop and pay with confidence 11
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 purchases 9. Verified by Visa adds security to your card by ensuring only you can use your Visa card online. 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. You won t be held responsible for fraudulent charges or unauthorised purchases made with your card or account information. 12
Up to 55 days interest free on eligible purchases 10 When you pay your total outstanding closing balance in full by the due date each month. Chip technology for your security The microchip in your card provides enhanced security so you re better protected against unauthorised use of your card. 13
Manage your card You can manage your card quickly and conveniently with Macquarie online banking and mobile banking app. 14
Manage your account at the time that suits you with online banking Download the mobile banking app at: 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 Access Code 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. 15
Macquarie Bank Limited ABN 46 008 583 542 Australian Credit Licence 237502 1. Macquarie Rewards are subject to the Macquarie Rewards Program Terms and Conditions, available at Macquarie Online Banking and macquarie.com.au/cards. 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. Macquarie Personal Travel is operated by Pinpoint Travel Group Pty Ltd. ABN 70 003 745 999. All offers are subject to the Macquarie Personal Travel terms and conditions (available at macquarie. com.au/rewards) and are subject to availability and change without notice. Offers may vary according to itinerary options, currency fluctuations and taxes at the time of booking. All offers are based on certain travel dates, other dates are available, and prices may vary. Seasonal surcharges and blackout dates may apply. Where flights are included, price includes taxes. Other departure cities are available and prices may vary. Prices quoted are subject to surcharges of up to 2.5% if paying by a card product which will be calculated based upon the card product selected. MasterCard, Visa, American Express and Diners Club are accepted. 3. The Points Plus Pay option requires a minimum of 2,000 Macquarie Reward points with the remainder payable by additional Macquarie Reward points, credit card (including your Macquarie Black Card) or direct deposit. Prices quoted are subject to surcharges of up to 2.5% if paying by a credit card product which will be calculated based upon the credit card product selected. 4. Macquarie Personal Travel Privilege: Offer only valid when booked via the Macquarie Personal Travel call centre with a minimum booking value of $5,000 in one transaction. Cardholder will receive a $250 discount off each increment of $5,000. Payment can be a combination of Macquarie Reward points and payment with a Macquarie Credit Card. Offer can only be redeemed once per calendar year and cardholder needs to request privilege upon booking. Accommodation must form part of the booking; the offer is not valid on flight or cruise only bookings. 5. Subject to the terms and conditions of the Visa Luxury Hotel Collection. See www.visaluxuryhotels.com/about/benefits for details. 6. Concierge Services are provided by International SOS (Australasia) Pty Ltd, trading as Aspire Lifestyles. 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 is subject to availability. 7. 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/cards. 8. Overseas Travel Insurance, Interstate Flight Inconvenience Insurance, Transport Accident Insurance, Purchase Security Insurance and Extended Warranty Insurance are underwritten by ACE Insurance Limited (ABN 23 001 642 020, AFS Licence No.239687) (ACE) and are subject to the terms, conditions and exclusions contained in the Macquarie Bank Black Card policy of insurance between Macquarie Bank Limited (ABN 46 008 583 542) (MBL) and ACE. This brochure does not take into account your objectives, financial situation or needs. It is important for you to read Macquarie Bank 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. 9. Visa s Zero Liability policy covers Australian and New Zealand-issued cards and does not apply to ATM transactions, transactions not processed by Visa or certain commercial card transactions. Cardholders should notify their issuer promptly of any unauthorised Visa use. Please consult your issuer for additional details. 10. Applicable only if your account is paid in full by the due date shown each month (including any balance transfers but excluding any Interest Free Finance balances that are in the specified promotional period). 16
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Macquarie Card Services Call 1300 150 300 (Australia) or +61 2 8232 1684 (overseas) Lost or stolen cards Call 1800 618 167 (Australia) and select option 3 or +61 2 9017 9520 (overseas) 24/7 Concierge Service Call +61 2 9273 2705 Insurance questions or claims Call 1300 791 804 (Australia) or +61 2 8907 5666 (overseas) Macquarie Rewards Call 1300 653 192 Visit macquarie.com.au/rewards 4 BFS0834 06/2016