Yellow Brick Road Credit Cards

yellowbrickroad-logoGet a Yellow Brick Road credit card and earn cashback when you spend

It all started with a TV show. The winner of ‘The Apprentice’ got to try their hand at managing Mark Bouris’s latest venture, a financial services provider called Yellow Brick Road. That was years ago. Today Yellow Brick Road is becoming a staple in Australian banking.

Yellow Brick Road are a wealth management company. They offer a credit card as well as home loans, insurance, superannuation services, investment advice and more. The Yellow Brick Road Empower Platinum MasterCard is their only credit card product. A name like ‘Empower Wealth’ should tell you what this card’s about. This card has all the platinum features as well as a little extra: cashback rewards when you spend.

Comparison of Yellow Brick Road Credit Cards

Rates last updated May 27th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Yellow Brick Road Empower Platinum Card
Earn $10 cashback for every $1,000 spent on your credit card with low balance transfer offer.
20.70% p.a. 0% p.a. for 6 months $99 p.a. annual fee for the first year ($129 p.a. thereafter) More info

Types of Yellow Brick Road credit cards

Yellow Brick Road, as mentioned, offer one specially designed platinum credit card. Find out more about it below.

  • Platinum credit card

The Empower Platinum Card is the only credit card available from Yellow Brick Road. This card gives you cashback when you spend and you can earn up to $1,000 every year just by using your card. Also, benefit from money saving balance transfer offers or interest-free days on purchases.

Rates last updated May 27th, 2017
Points per $ spent Complimentary Travel Insurance Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Yellow Brick Road Empower Platinum Card
Earn $10 cashback for every $1,000 spent on your credit card with low balance transfer offer.
20.70% p.a. 0% p.a. for 6 months $99 p.a. annual fee for the first year ($129 p.a. thereafter) More info
Rates last updated May 27th, 2017
Points per $ spent Complimentary Travel Insurance Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
NAB Rewards Platinum Card
Earn double points on purchases made in major department and hardware stores and receive complimentary travel and purchase insurance.
1 Yes 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
Take advantage of a 0% p.a. for 22 months on balance transfers offer with a 2% p.a. balance transfer fee.
VISA/MC: 1 AMEX: 0 Yes 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 - Exclusive Offer
Earn 2 Velocity Points on top of the standard earn rate per $1 spent on eligible transactions within the first 3 months.
VISA/MC: 0.66 AMEX: 0 No 20.74% p.a. 0% p.a. for 18 months $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 of 0% p.a. for 24 months with a 1.5% p.a. balance transfer fee.
VISA/MC: 1 AMEX: 0 Yes 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.
VISA/MC: 0 AMEX: 0 Yes 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 Yes 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
Receive platinum benefits including complimentary insurance covers, airport lounge passes, and a complimentary return flight each year.
1.5 Yes 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
Enjoy complimentary membership to the Qantas Frequent Flyer program and international travel insurance.
VISA/MC: 1 AMEX: 0 Yes 19.99% p.a. $199 p.a. Go to site More info
American Express Explorer® Credit Card
Get a $400 travel voucher every year, complimentary airline lounge passes and several travel insurances.
2 Yes 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
Take advantage of a 0% p.a. for 20 months on balance transfers offer with no balance transfer fee.
VISA/MC: 0 AMEX: 0 Yes 12.74% p.a. 0% p.a. for 20 months $99 p.a. Go to site More info
ANZ Frequent Flyer Platinum
Receive a complimentary Qantas Frequent Flyer membership and a range of included insurance covers.
0.75 Yes 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
Receive 10% cash back on all eligible purchases, capped at $50 per month for 4 months from card approval.
VISA/MC: 0 AMEX: 0 No 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 up to 55 days interest-free on purchases.
No 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 a 24/7 personal concierge.
Yes 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
Take advantage of a 0% p.a. for 18 months on balance transfers offer with a 3% p.a. balance transfer fee.
Yes 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
Receive a $129 Virgin Australia Gift Voucher each year and complimentary insurance with this long-term 0% p.a. interest offer.
VISA/MC: 0.66 AMEX: 0 No 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
No overseas transaction fee on purchases, plus a complimentary domestic return flight each year when you meet the eligibility criteria.
1.5 Yes 20.24% p.a. $225 p.a. Go to site More info
ANZ Rewards Platinum
Enjoy accelerated points earning and great platinum features including complimentary travel insurance and purchase protection.
1.5 Yes 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.
Yes 16.75% p.a. 0% p.a. for 12 months $125 p.a. Go to site More info
Westpac 55 Day Platinum Credit Card
Take advantage of a 0% p.a. for 12 months on balance transfers offer, plus up to 55 days interest-free on purchases.
VISA/MC: 0 AMEX: 0 Yes 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 Yellow Brick Road

These benefits make using a Yellow Brick Road credit card convenient and secure.

  • Yellow Brick Road credit cards — MasterCard worldwide acceptance

Take your Yellow Brick Road credit card overseas knowing that, as a MasterCard, it can be used at millions of ATMs and local shops.

  • MasterCard Zero Liability

MasterCard Zero Liability helps protect you from getting ripped off. You'll receive a full refund if someone steals money from your credit card when you shop online, using PayPass or EFTPOS over the counter. Just make sure you have followed the MasterCard Zero Liability conditions to ensure you’re covered.

  • Online customer service portal

Forget the need to enter a branch when you register for Yellow Brick Road online banking. Make payments, view your account activity and statements from your computer, tablet or mobile device.

How to apply for a Yellow Brick Road credit card

Apply online for a Yellow Brick Road credit card and get approved in minutes. The online application should only take 10 - 15 minutes to complete.

Eligibility criteria

Make sure you meet these application requirements if you want to apply for a Yellow Brick Road credit card:

  • Available to people 18 and older
  • Permanent residents only
  • Credit and income requirements apply

Required documents

You’ll be asked to provide these documents and information about your financial situation when you apply for a Yellow Brick Road credit card:

  • Identification. Provide your driver’s licence number to verify your identity. You can apply without a driver’s licence, but you may be asked to verify your identity once the application has been submitted.
  • Financial information. In order for Yellow Brick Road to assign a credit limit to you, provide your gross annual salary, monthly expenses, your employer’s contact information or your accountant’s contact information if you’re self-employed.

What happens next?

You will be contacted by Yellow Brick Road minutes after you submit your credit card application. You may be required to verify your identity or your income before your application can be approved in full. Yellow Brick Road will inform you of the requirements by contacting you on the email you provided in the application.

Frequently asked questions

Look below for the questions about Yellow Brick Road credit cards that get asked the most. If you have another question and it isn't answered below, or you can't find the answer on the page above, feel free to use the form at the end of the page to ask a member of our team.

Request a balance transfer when you apply online for a Yellow Brick Road credit card. You'll be charged a reduced interest rate when you move your card debt over, letting you can save money on interest repayments.

Complete the request and you can be approved to use up to 90% of your Yellow Brick Road credit card limit towards a balance transfer promotion. The promotional period begins from when the account is approved, and the balance transfer is processed usually within five business days from the time the credit card is activated.

At the end of the balance transfer promotional period, the variable purchase rate is charged on any remaining unpaid balance. And remember, you don’t get any interest-free days when you’re carrying a debt from month to month.

After you complete the online application, and you’ve received word that you’ve been approved for the Yellow Brick Road credit card, you should receive your card within 10 business days.

You won’t be able to accurately find out about your credit limit before you apply for a credit card. Yellow Brick Road use a system to assign each applicant a credit limit based on his or her financial situation.

If you’re unhappy with the credit limit you’ve been assigned, you can apply to have your credit limit increased once you’ve had your account open for six months. You can request to have your credit limit lowered at any time.

To get interest-free days on purchases, just make sure you keep paying your balance in full when your statement is issued. If you take advantage of the balance transfer offer and you carry that balance forward without paying it off in full, you won’t get interest-free days on purchases.

You can add an additional cardholder to your account, whether it be a family member or just anyone over 16 years of age. Check the Yellow Brick Road credit card review pages for information about the number of cardholders you can add to each account and whether there are any fees.

Apply for an additional cardholder when you complete the online application for a Yellow Brick Road credit card. You can also complete and send in an Additional Cardholder Request Form, available on the Yellow Brick Road website.

MasterCard Zero Liability is a guarantee that ensures you get your money back if you’re the victim of credit card fraud when you’re using your card online, in person or over the phone. ATM transactions are not covered.

The Zero Liability guarantee applies only if you’ve been vigilant in keeping your card and information secret and safe, your account is in good standing, you notify MasterCard about the discovery immediately and you haven’t reported two or more instances of unauthorised use in the past 12 months.

You'll need to call Yellow Brick Road credit cards right away in order to report the loss or theft. There is a specific number to call whether you are inside or outside of Australia, which can be found on the Yellow Brick Road website. MasterCard Global Service can help with emergency card replacement, emergency cash advances, account information or ATM locations. This is a free call.

You can make payments to your Yellow Brick Road credit card the following ways:

  • Direct debit. Link another bank’s transaction account to pay your Yellow Brick Road credit card balance each month. You can choose to pay just the minimum amount due or something in between. Fill in the direct debit authorisation form on the Yellow Brick Road website to set up a direct debit payment.
  • BPAY. Pay your credit card from another bank’s internet banking facility. Quote your customer reference number (your 16-digit Yellow Brick Road credit card number) and the Yellow Brick Road BPAY Biller Code: 219 014.
  • Bank@Post. Pay your Yellow Brick Road credit card by cash, cheque or EFTPOS at an Australia Post retail outlet. Bank@Post is a handy feature that lets you do your banking at the post office.
  • Mail. Send a cheque in the mail. Check your credit card statement for instructions on paying your card balance by cheque.
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American Express Velocity Platinum Card
American Express Velocity Platinum Card

Interest rate

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Annual fee

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ANZ Platinum Credit Card - Exclusive Offer
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Interest rate

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Annual fee

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St.George Vertigo Platinum
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Interest rate

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