Mortgage Choice Platinum Card

Mortgage Choice offers a Platinum Card that makes your spending work harder for you.


Make your spending work harder

At Mortgage Choice, we know that every cent you spend matters. That's why our Platinum Card makes your spending work harder for you.

Every time you spend with your card, you will be accruing Cashback credit[1] that can be applied to your Mortgage Choice Home Loan or even back to your Mortgage Choice Platinum Card.[1]

Mortgage Choice Platinum Card


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Find out more about Cashback credit - how it works and how much you could potentially earn.


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Our online application is quick and easy! Plus, by applying, you could accrue 1% Cashback credit when you use your card on eligible purchases [1]


Apply for your card now

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Why choose Mortgage Choice Platinum Card?

You will accrue 1% Cashback credit when you use your card on eligible purchases[1].

That means that with every $100 spent on your card, you will accrue 1 Cashback credit. Once your Cashback credit balance reaches 100, it will be automatically credited to your Mortgage Choice Home Loan or back into your Mortgage Choice Platinum Card.

You may accrue up to $1,000 worth of Cashback credit annually!

5.90% p.a. on purchases for the first 14 months[4] and no annual fee for the life of the home loan when opened as part of a our Plus Home Loan package. Conditions apply.

0% pa interest on balance transfers for the first 14 months from card approval when opened as part of our Plus Home Loan package or 9 months otherwise[2]

With the worldwide acceptance of MasterCard, your new Mortgage Choice Platinum Card is accepted at over 35 million locations, including 2 million ATMs in over 210 countries. It's the only card you'll need for convenience, flexibility and security.

MasterCard PayPass is the faster way to pay for purchases under $100[3]. No signature or PIN is required. Just tap your card against the reader and go. Contactless payment is accepted globally at all kinds of merchants including retail stores, fast-food restaurants, pharmacies, grocery and convenience stores and at transit locations. You’ll even find contactless in taxis and vending machines.

For more information please click here.

You can manage your card account quickly and conveniently at any time. Use Mortgage Choice Online Services to:

  • check your balance and payment information
  • review recent transactions
  • pay your bills using BPAY®
  • view your statements
  • create monthly budgets
  • view your rewards information.

Simplify your expenses, like bills for your utilities, mobile phone, and internet by setting up automatic payments linked to your card. By linking your card to regular expenses, you can quickly accrue Cashback credit[1]. Simply provide your card account number to your utility company, phone or internet provider and authorise automatic payments from your card.

Take care of monthly repayments automatically by setting up a direct debit from your nominated cheque or savings account. It is easy and convenient, and will take the hassle out of remembering to pay your account on time.

Get a Mortgage Choice Platinum Card

Make the most of your spending with Cashback Credit

You will accrue 1% Cashback credit when you use your card on eligible purchases[1]. That means that with every $100 spent on your card, you will accrue 1 Cashback credit. Once your Cashback credit balance reaches 100, it will be automatically credited to your Mortgage Choice Home Loan or back into your Mortgage Choice Platinum Card.

You may accrue up to $1,000 worth of Cashback credit annually!

Download Rewards Terms & Conditions now


Card Services is a division of Macquarie Bank Limited (ABN 46 008 583 542, Australian Credit Licence 237502) which provides and administers credit and is the issuer of the Mortgage Choice Platinum Card. Approval is subject to Card Services credit criteria. Terms and Conditions, fees and charges apply and are available upon request. Allow up to 10 working days to process your application. The standard variable interest rates are currently 19.99% p.a. for purchases and 21.74% p.a. for cash advances. Interest rates are subject to change and Card Services credit criteria.

[1]Mortgage Choice Cashback credit can be accrued on up to $100,000 of spend annually for Mortgage Choice Platinum Cardholders. Mortgage Choice Cashback is subject to the Mortgage Choice Platinum Card Rewards Program Terms and Conditions. Mortgage Choice Cashback credit is not earned on cash advances, balance transfers or other restricted transactions. Mortgage Choice Cashback credit will be automatically applied to your nominated Mortgage Choice Account once you have accrued 100 Mortgage Choice Cashback credits. Minimum monthly repayments are still required.

[2] The 0% p.a. interest rate applies only to balances transferred with this offer for the first nine months from the date your account is approved and then reverts to the standard variable interest rate for purchases, which is currently 19.99% p.a. Interest rates are subject to change and Card Services credit criteria. Minimum repayments are required. Card repayments will be applied last to the repayment of transferred balances that are in the promotional interest rate period. For further details refer to the Balance Transfer Terms and Conditions.

[3] MasterCard® PayPass and Tap & Go are trademarks of MasterCard International Incorporated. Signature is not required for purchases under $100 at participating locations, and is subject to change.

[4] After the promotional period, the standard variable interest rate for purchases will apply, which is currently 19.99% p.a. for Mortgage Choice Platinum Card.

MasterCard and the MasterCard Brand Mark are Registered Trademarks of MasterCard International Incorporated.

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