Frequently asked questions

We answer questions you may have about your Mortgage Choice Platinum Card such as how to activate your card and what to do if it is lost or stolen.


Mortgage Choice Platinum Card FAQs

Credit card FAQs

After 6 months you can apply to have your credit limit increased. To apply for a credit limit increase, contact us on 1300 150 100. Additionally, if you provide your consent to receive credit limit increase invitations, Card Services may contact you if you are eligible to apply for an increase in your credit limit.

All credit limit increase requests are subject to Card Services' credit criteria and you may be required to submit supporting documentation with your credit limit request.

To activate your card please call our Customer Service Centre on 1300 150 100 and we will activate the card for you.

MasterCard SecureCode is an online security service that enhances secure internet shopping by asking you to verify your Account details when unusual activity on your Account occurs online.

You may be required to verify your identity by providing further information for certain online transactions before proceeding. It only takes a moment and is easy to use – simply enter your details when prompted when completing an online transaction.

Yes. As an added feature, all Mortgage Choice Credit Cards come with the Zero Liability promise[1] covering all of your online transactions against unauthorised or fraudulent purchases.


Plus you can shop online with even greater confidence with MasterCard SecureCode.

Please contact us immediately on 1300 150 100, or if you are calling from overseas, +61 2 8232 4677, available 24 hours a day, seven days a week.

Yes, you can select your PIN by logging into Mortgage Choice Online Services.

You do not need your current PIN to create a new PIN.

To update your contact details please call our Customer Service Centre on 1300 150 100 and we will make the changes for you.

Direct Debit – Automatically pay your card account every month by the due date, from the bank account of your choice. With this flexible option you can choose to pay any amount equal to, or greater than the minimum payment due.

BPay – This can be done via Mortgage Choice Online Services. Your reference number is your 16-digit card number (which is the same as the account number printed on your statement) and the biller code is 219014

Post – Enclose your completed payment slip from your monthly statement and mail with your cheque (no notes or coins accepted) and mail to DEFT Payment Systems, GPO 4690 Sydney NSW 2001

Post Office – You can pay your card account in person at any Australia Post office using cash, EFTPOS or cheque. Please allow 48 hours for the payment to reach your account. When paying by cheque at any Australia Post office please allow six business days for the cheque to clear. However, funds will be considered received the day the cheque is deposited. A $2 over the counter transaction fee is applicable to all cash, EFTPOS or cheque payments made at Australia Post.

You can set up a direct debit in the self-service section in Mortgage Choice Online Services.

Setting up a recurring payment is a convenient & easy way to pay your monthly bills.

To set up a recurring payment simply

  1. Decide which bills you wish to pay automatically e.g. your mobile phone bill or gym membership
  2. Contact that service provider
  3. Provide your Mortgage Choice Platinum Card details and consent to the service provider

MasterCard PayPass is a new contactless method of payment, the latest evolution in MasterCard payments. Your Mortgage Choice Credit Card has a tiny antenna embedded into the chip, which securely transmits payment instructions to and from a specially adapted card terminal.

Interest is calculated based on the balance you have outstanding on each day of the statement cycle. The interest rate, also known as the ‘Annual Percentage Rate’ (APR) is included on the front page of every statement you receive. Interest is calculated based on the daily rate of interest (which is the APR divided by the number of days per year). This rate is also included on each monthly statement and is effective for interest calculations in that statement period.

For further information please call our Customer Service Centre on 1300 150 100 and request our Understanding Interest Brochure.

You can request a balance transfer at any time by completing a balance transfer request online under credit card options in Mortgage Choice Online Services.

This is a request to transfer part or all of your outstanding balance from another credit card to your Mortgage Choice Credit Card account. When you request a balance transfer we will either BPAY funds or arrange a cheque to your nominated card account and debit this to your Mortgage Choice Credit Card account. Balance transfers are subject to the Balance Transfer Terms and Conditions.

If you’ve taken advantage of our balance transfer offer at the time of application, this will only be processed once you’ve activated your physical credit card. Make sure you’re aware of any pending balance transfer amounts when you’re transacting using mobile payments so that the balance transfer can be processed within your credit limit. If you already have a card and are requesting a balance transfer, we will process the balance transfer request within 5 business days.

The limit on balance transfers is equal to the credit limit on your card, less $500. We will transfer the balances specified by you to your account, in full or in part, subject to $500 remaining in your available credit limit. If you have multiple balance transfer requests, we will transfer these in the order they appear in your request.

You can request a balance transfer when you apply for a card, or any time after by completing a balance transfer request through Mortgage Choice Online Services.

Get a Mortgage Choice Platinum Card


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.

[1] To be covered by MasterCard Zero Liability, you must ensure:
   a) You have exercised vigilant care in safeguarding your Card from risk of loss, theft, or unauthorised use; and
   b) You immediately and without delay notify your Card issuer upon discovery of the loss, theft, or unauthorised use; and 
   c) You have not reported two or more incidents of unauthorised use in the preceding 12 months; and 
   d) Your account is in good standing; and e) You have complied with the terms and conditions of the cardholder agreement.

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

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