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 September 27th, 2016
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 September 27th, 2016
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 September 27th, 2016
Points per $ spent Complimentary Travel Insurance Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
VISA/MC: 1 AMEX: 0 Yes 19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn bonus Velocity Points in the first 3 months and a low 0% p.a. for 18 months on balance transfers. Receive a free Virgin Australia $129 Gift Voucher each year. Available from mid-2016.
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
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 20 months and an introductory purchase offer of 1% p.a. for 12 months with an annual fee waiver for the first year.
VISA/MC: 0 AMEX: 0 Yes 1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. Go to site More info
Citi Qantas Signature Credit Card
Earn up to 70,000 bonus Qantas Points on eligible spend, plus enjoy a 0% p.a. for 6 months offer on balance transfers.
VISA/MC: 1 AMEX: 0 Yes 20.99% p.a. 0% p.a. for 6 months $99 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive $200 back when you spend $500 in the first 3 months. Also enjoy a $0 annual fee for the first year.
VISA/MC: 0 AMEX: 0 Yes 19.74% p.a. $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
VISA/MC: 1 AMEX: 0 Yes 19.99% p.a. $199 p.a. Go to site More info
Citi Rewards Credit Card - Platinum Card
Enjoy a long term balance transfer offer and earn 1.25 Citi Reward Points on per $1 spent for all domestic purchases.
VISA/MC: 1.25 AMEX: 0 Yes 20.99% p.a. 0% p.a. for 24 months with 1.5% balance transfer fee $199 p.a. annual fee for the first year ($249 p.a. thereafter) Go to site More info
American Express Platinum Edge Credit Card
Receive 10,000 Membership Rewards Bonus Points when you meet the minimum spend requirement. Also receive a complimentary Virgin Australia domestic economy return flight every year.

VISA/MC: 0 AMEX: 1 Yes 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $195 p.a. Go to site More info
Bank of Melbourne Vertigo Platinum
A platinum card with a low balance transfer offer of 0% p.a. interest for 20 months and 1% p.a. for 12 months on purchases combined with complimentary insurance covers.
VISA/MC: 0 AMEX: 0 Yes 1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. Go to site More info
American Express Velocity Platinum Card
Enjoy up to 50,000 bonus Velocity Points when you meet the minimum required spend and earn up to 3 rewards points per dollar spent. Also receive a complimentary return flight every year.
VISA/MC: 0 AMEX: 1 Yes 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $349 p.a. Go to site More info
ANZ Frequent Flyer Platinum
Get 50,000 bonus Qantas Points after first eligible purchase is made within three months. Earn up to 1.5 Qantas Points per $1 spent on purchases.
VISA/MC: 0.5 AMEX: 1.5 Yes 19.99% p.a. $295 p.a. Go to site More info
ANZ Rewards Travel Adventures card
Pay no overseas transaction fee on purchases and 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.
VISA/MC: 1 AMEX: 2 Yes 20.24% p.a. $225 p.a. Go to site More info
American Express Qantas Premium Card
Earn as much as 30,000 bonus Qantas Points when you meet the minimum spend requirement. Enjoy frequent flyer benefits including uncapped Qantas Points per $1 spent, complimentary travel insurance and Qantas Club lounge invitations.
VISA/MC: 0 AMEX: 1 Yes 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $249 p.a. Go to site More info
Citi Rewards Platinum Card - Cashback Offer
Earn $250 cashback on eligible spend, plus enjoy 0% p.a. balance transfer offer for 12 months, discounted annual fees for the life of the card and a complimentary travel insurance.
VISA/MC: 1.25 AMEX: 0 Yes 20.99% p.a. 0% p.a. for 12 months $99 p.a. annual fee for the first year ($199 p.a. thereafter) Go to site More info
American Express Platinum Card
Receive 80,000 Membership Rewards Bonus Points when you meet the minimum spend requirement and earn up to 3 points per dollar spent. Gain access to travel insurance, $300 Platinum Travel Credit every year and access to 800 VIP airport lounges.
VISA/MC: 0 AMEX: 1 Yes $1,200 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 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
Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
Receive 30,000 bonus Velocity Points and earn 1 Velocity Points per $1 spent. Receive an exclusive $129 Virgin Australia Gift Voucher and two complimentary Single Entry Virgin Australia domestic Lounge passes each year.
VISA/MC: 1 AMEX: 0 Yes 20.74% p.a. 0% p.a. for 6 months $144 p.a. annual fee for the first year ($289 p.a. thereafter) Go to site More info
ANZ Rewards Platinum
Enjoy accelerated points earning and great Platinum features with ANZ Rewards Platinum card. Also offering 50,000 Reward Points after your first eligible purchase is made within 3 months of card approval.
VISA/MC: 1 AMEX: 2 Yes 18.79% p.a. $95 p.a. Go to site More info
American Express Qantas Ultimate Card
Enjoy 50,000 bonus Qantas Points when you meet the minimum spend requirement and earn up to 3 Qantas Points for every $1 spent. Also enjoy a complimentary return flight every year.
VISA/MC: 0 AMEX: 1 Yes 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $450 p.a. Go to site More info
ANZ Low Rate Platinum Credit Card
Platinum card perks with a low ongoing interest rate.
Yes 13.49% p.a. 0% p.a. for 18 months with 3% balance transfer fee $99 p.a. 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.

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.
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Credit Cards Comparison

Rates last updated September 27th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
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
ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
11.99% p.a. $0 p.a. Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards CreditCardFinder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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