Mortgage Choice Credit Cards

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See the competitive new credit card on offer from Mortgage Choice.

Mortgage Choice was founded by Rod and Peter Higgins in Australia in 1992. As well as credit cards, Mortgage Choice offer home loans, financial planning, car loans, insurance and business lending.

Comparison of Mortgage Choice Credit Cards

Rates last updated June 27th, 2017
Name Product Product Description Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Mortgage Choice Platinum Card
Receive 1% cashback credit when you use your card on eligible purchases up to $100,000 worth of cashback credit annually.
19.99% p.a.
0% p.a. for 9 months
$99 p.a. annual fee for the first year ($129 p.a. thereafter)

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Types of Mortgage Choice Credit Cards

  • Platinum Credit Cards

Most platinum credit cards provide insurance, rewards programs and access to platinum benefits from the card scheme. Platinum credit cards can be of value for people who want a card that sits somewhere between standard and premium products. The Mortgage Choice Platinum Card certainly has access to rewards points as well as to premium services.

Learn more about platinum credit cards

The benefits of banking with Mortgage Choice

  • Balance transfers - low rates

Mortgage Choice offers a competitive balance transfer rate of 0% p.a. for the first 9 months, which can lead to savings on interest. This rate will then revert to the standard variable interest rate for purchases, which is currently 19.99% p.a.

  • Rewards program - earn points as you spend

The Cashback rewards system allows cardholders to earn 1% Cashback credit on every dollar spent on their platinum card. Once your Cashback credit reaches 100, it will automatically be credited to your selected account. You can earn rewards for up to $100,000 of your spending each year, and can earn rewards even faster if you add additional cardholders.

  • Interest-free days - save on interest

If the Mortgage Choice Platinum Card account is paid in full by the due date each month, you can enjoy up to 55 interest-free days on purchases.

How to apply for the Mortgage Choice Platinum Card

Eligibility criteria

If you decide to apply for a credit card with Mortgage Choice, you will need to ensure you meet the following application criteria:

  • 18 years old or over
  • Permanent resident of Australia
  • Good credit rating
  • Check the credit card review pages for individual criteria to see if you’re eligible.

Required documents

If you meet the above criteria, you will need to provide the following information during your application:

    • Gross annual salary
    • Monthly expenses
    • Details of your current employer including address and phone number
    • If self-employed or retired, your accountant’s details will be required
    • Australian driver's licence number

Frequently asked questions

After six months you can apply for an increased credit limit by downloading and completing the form. You can locate the form under ‘credit card options’ in Mortgage Choice Online Services. Mortgage Choice may also invite you to apply for an increased credit limit if you are eligible.

You can activate your card by contacting the Mortgage Choice Customer Service Centre and they will activate the card for you over the phone.

You can request a balance transfer by completing a request form which can be found under ‘credit card options’ in Mortgage Choice Online Services.

Yes, you can change your PIN online through self service in Mortgage Choice Online Services. You won’t need your existing PIN to select or change the PIN.

Yes, you can use your card for online purchases. Mortgage Choice Credit Card also comes with the Mastercard Zero Liability cover to protect all of your online transactions against fraudulent purchases. A Mastercard SecureCode will also be in place for added security.

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