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 May 23rd, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Mortgage Choice Platinum Card
This is a card that comes with a low balance transfer offer and PayPass facility. Enjoy extra benefits if you link your mortgage account to your credit card.
19.99% p.a. 0% p.a. for 9 months $99 p.a. annual fee for the first year ($129 p.a. thereafter) More info

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.

Rates last updated May 23rd, 2017
Bonus Points Points per $ spent Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Mortgage Choice Platinum Card
This is a card that comes with a low balance transfer offer and PayPass facility. Enjoy extra benefits if you link your mortgage account to your credit card.
19.99% p.a. 0% p.a. for 9 months $99 p.a. annual fee for the first year ($129 p.a. thereafter) More info
Rates last updated May 23rd, 2017
Bonus Points Points per $ spent Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
NAB Rewards Platinum Card
Earn 1 NAB Rewards Point per $1 spent and receive double points on purchases made in major department and hardware stores.
80,000 bonus points 1 19.99% p.a. 4.99% p.a. for 6 months $0 p.a. annual fee for the first year ($195 p.a. thereafter) Go to site More info
HSBC Platinum Credit Card
Earn 1 Reward Point per $1 spent and receive an annual fee refund with minimum spend.
VISA/MC: 1 AMEX: 0 19.99% p.a. 0% p.a. for 22 months with 2% balance transfer fee $99 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Take advantage of 0% p.a. for 18 months on balance transfers with a 1.5% BT fee. Plus, receive an exclusive $129 Virgin Australia Gift Voucher each year.
VISA/MC: 0.66 AMEX: 0 20.74% p.a. 0% p.a. for 18 months with 1.5% balance transfer fee $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
Citi Rewards Platinum Credit Card
Enjoy a long-term balance transfer offer and earn 1 Citi Reward Point per $1 spent on all eligible domestic and international spend.
VISA/MC: 1 AMEX: 0 20.99% p.a. 0% p.a. for 24 months with 1.5% balance transfer fee $49 p.a. annual fee for the first year ($149 p.a. thereafter) Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Also, enjoy an annual fee waiver in the first year.
VISA/MC: 0 AMEX: 0 0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
NAB Premium Card
Platinum credit card benefits including higher credit limits and travel insurance, plus a low interest rate on balance transfers.
VISA/MC: 0 AMEX: 0 19.74% p.a. 0% p.a. for 24 months with 3% balance transfer fee $90 p.a. Go to site More info
Qantas American Express Ultimate Card
Fly faster with up to 2.5 Qantas Points per $1 spent and receive a complimentary Qantas domestic return Economy flight every year.
55,000 bonus points 1.5 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $450 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
Fly faster with up to 1 Qantas Point per $1 spent and receive bonus Qantas Points on selected Qantas products, services and partners.
60,000 bonus points VISA/MC: 1 AMEX: 0 19.99% p.a. $199 p.a. Go to site More info
American Express Explorer® Credit Card
Earn up to 2 Membership Rewards Points per $1 spent and receive a $400 Travel Credit every year.
50,000 bonus points 2 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $395 p.a. Go to site More info
St.George Vertigo Platinum
Save with 12.74% p.a. on purchases. Also enjoy Visa Platinum Concierge service.
VISA/MC: 0 AMEX: 0 12.74% p.a. 0% p.a. for 20 months $99 p.a. Go to site More info
ANZ Frequent Flyer Platinum
Get 50,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases within the first 3 months. Enjoy a waived annual fee for the first year and earn up to 0.750 Qantas Points for spending.
50,000 bonus points 0.75 19.99% p.a. $0 p.a. annual fee for the first year ($295 p.a. thereafter) Go to site More info
Citi Simplicity Card
A no annual fee Platinum card with Visa Front Line Access.
VISA/MC: 0 AMEX: 0 19.99% p.a. 0% p.a. for 6 months $0 p.a. Go to site More info
28 Degrees Platinum Mastercard
Benefit from no international transaction fees on purchases, no currency conversion fees and no annual fee.
21.99% p.a. 4.99% p.a. for 6 months $0 p.a. Go to site More info
ANZ Low Rate Platinum
Enjoy platinum benefits with exclusive discounts, complimentary travel insurance and personal concierge. Also repay your credit card debt interest-free with 0% p.a. for 16 months on balance transfers.
11.49% p.a. 0% p.a. for 16 months with 2% balance transfer fee $99 p.a. Go to site More info
NAB Low Rate Platinum Card
Save with 13.99% p.a. on purchases. Also enjoy access to 7 complimentary insurances.
13.99% p.a. 0% p.a. for 18 months with 3% balance transfer fee $100 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
An interest-free period on both purchases and balance transfers.
VISA/MC: 0.66 AMEX: 0 0% p.a. for 12 months (reverts to 20.74% p.a.) 0% p.a. for 6 months $129 p.a. Go to site More info
ANZ Rewards Travel Adventures card
Pay no overseas transaction fee on purchases, earn up to 1.5 for every dollar spent on eligible purchases, plus receive complimentary domestic return flight and lounge passes each year you hold the card when you spend $500 on eligible purchases within the first three months.
1.5 20.24% p.a. $225 p.a. Go to site More info
ANZ Rewards Platinum
Enjoy accelerated points earning and great Platinum features with ANZ Rewards Platinum card. Also get the chance to receive 50,000 bonus Reward Points when you spend $2,500 in the first 3 months from card approval plus a waived annual fee for the first year.
50,000 bonus points 1.5 18.79% p.a. $0 p.a. annual fee for the first year ($95 p.a. thereafter) Go to site More info
Heritage Bank Platinum Credit Card
Take advantage of 0% p.a. for 12 months on balance transfers. Plus, receive complimentary insurance when you travel.
16.75% p.a. 0% p.a. for 12 months $125 p.a. Go to site More info
Westpac 55 Day Platinum Credit Card
Enjoy platinum card benefits offering 0% p.a. introductory rate on purchases and balance transfers, combined with an annual fee waiver in the first year.
VISA/MC: 0 AMEX: 0 0% p.a. for 6 months (reverts to 19.84% p.a.) 0% p.a. for 12 months $0 p.a. annual fee for the first year ($90 p.a. thereafter) Go to site More info
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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