Yellow Brick Road Credit Cards

Get a Yellow Brick Road credit card and earn cashback when you spend

Comparison of Yellow Brick Road Credit Cards

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Name	Product	Purchase rate (p.a.)	Interest Free Period	Annual fee	Balance transfer rate (p.a.)	Product Description
Yellow Brick Road Empower Platinum Card		20.70% p.a.	Up to 55 days on purchases	$99 p.a. annual fee for the first year ($129 p.a. thereafter)	0% p.a. for 6 months	Earn $10 cashback for every $1,000 spent on your credit card, plus a complimentary 24/7 concierge service.	More info	Compare	loading Fetching your data...

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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.

Compare platinum credit cards here

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.

• How can I transfer my debt to a Yellow Brick Road credit card?

  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.

• How long before I get my credit card?

  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.

• How can I find out my credit limit?

  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.

• How do I get interest-free days?

  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.

• How do I get an extra card?

  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.

• How is my account protected from fraud?

  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.

• What if my Yellow Brick Road credit card is lost or stolen?

  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.

• How do I make a credit card payment?

  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.