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The Empower Platinum Card

Issued by Macquarie Bank Limited.

Features and benefits

Earn $10 back for every $1,000 spent on your credit card#.

The average Australian household spends an average of $1,236 each week on goods and services*. With Yellow Brick Road’s Empower Platinum Card, the average Australian household would earn $642.72 per year on Cashback credit on these purchases. Cashback credit is automatically redeemed in $100 increments, and you can elect to have that money paid into your credit card, or as credit into your YBR Empower variable rate mortgage. What other credit card helps you pay off your home loan sooner?

0% interest on balance transfers for the first 6 months from card approval+

According to the average Australian credit card balance is $4,700. Based on the standard credit card rate (as at August 2013) of 19.55% if you transferred this balance to a Yellow Brick Road Empower Platinum Card you could save $453 in interest charges over the 6 month period±. What are you waiting for?


With The Yellow Brick Road Empower Platinum Card, you'll enjoy:

  • 1% Cashback on purchases#– Earn $10 back for
    every $1000 yocreditcard.jpgu spend on eligible purchases on your credit card
  • 0% interest on balance transfers for the first 6 months from card approval+
  • Up to 55 days interest free on purchases°


  • A complimentary 24/7 concierge service~
  • Global acceptance with coverage in 210 countries
  • Peace of mind with advance fraud protection.


More details

  • Financial flexibility: Up to 55 days interest free on purchases°, you can count on your card to help with your cashflow.
  • MasterCard® PayPass: is the faster way to pay for purchases under $100. No signature or PIN is required. Just tap your card against the reader and go. And now there are more participating merchants than ever, like Coles, 7-Eleven and Bunnings. For more information, please visit
  • 24 hour dedicated customer service: We are committed to delivering the highest level of service to our clients. Our team of highly trained experts are available 24 hours a day, seven days a week.
  • Global acceptance: MasterCard is accepted at more locations or in as many countries as any other card. You can use your MasterCard at over 35 million retailers, and over 2 million ATMs, in over 210 countries, making it the only card you'll ever need, at home or abroad.
  • MasterCard Global Service: MasterCard Global Service is your ultimate travel companion. Wherever you are overseas, your complete card-related emergency service is just a free call away, and can help you with:< >Lost or stolen cardsEmergency replacement cardsEmergency cash advancesMasterCard ATM locationsAccount related information and much
  • Fraud Protection: Your Card provides advanced protection against criminal activity. You can purchase online with ease knowing that our online fraud protection MasterCard SecureCode provides 24/7 account monitoring. Cardholders are protected by MasterCard Zero Liabilityx and are not held liable for unauthorised purchases.
  • Concierge: Yellow Brick Road Empower Platinum cardholders have complimentary access to a 24/7 Concierge service. Organising a flight to Paris, getting tickets to a test match or perhaps suggesting a reliable dry cleaner away from home are just some of the services available. The Concierge service is manned by professionals 24 hours a day, seven days a week. Save (02) 9372 2433 (Australia) in your mobile so it is just a button away~.
  • Secure Sentinel: Yellow Brick Road have teamed up with Secure Sentinel, Australia's leading provider of loss assistance and retrieval services, to offer Empower cardholders added peace of mind. Secure Sentinel's unique membership service costs only per year $59 for an individual - a small price to pay for the extensive benefits it offers^.
  • Priceless Sydney: MasterCards' Priceless Sydney is a unique collection of experiences available to all Empower Platinum cardholders. You will get access to the best Sydney has to offer including pre-booked ticketing, fast-track access and premium reserved seating. From dining, shopping and sporting opportunities to exciting hotel and entertainment offers, the best of Sydney is waiting to be explored at
  • MasterCard Privileges: is the place to indulge in a broad range of local and global experiences across dining, travel, retail and entertainment. With offers handpicked for MasterCard Platinum cardholders, spoil yourself today at

Latest News

As part of an industry-wide initiative to enhance Card security, signatures are being phased out from 1 August 2014.

Make a habit of using your PIN, not pen. For more information click here.


Any advice contained in this website is general advice only and has been prepared without considering your objectives, financial situation or needs. You should not rely on any advice contained in this website and before making any investment decision we recommend that you consider whether it is appropriate to your situation and seek appropriate financial, taxation and legal advice. We recommend that you read our before deciding whether to obtain financial services from us. If an offer document is available for a product referred to on this site, you should read it before making any investment decision. Information on this website is intended for residents of Australia only.

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 Yellow Brick Road Empower 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 20.70%pa for purchases and 21.95%pa for cash advances. Interest rates are subject to change and Card Services credit criteria.

#Yellow Brick Road Cashback credit can be accrued on up to $100,000 of spend annually for Yellow Brick Road Empower Platinum Cardholders. Yellow Brick Road Cashback is subject to the Yellow Brick Road Rewards Program Terms and Conditions.Yellow Brick Road Cashback credit is not earned on cash advances, balance transfers or other restricted transactions. Minimum monthly repayments are still required.

*Source: Australian Bureau of Statistics Household Expenditure Survey, Australia 2009-10

±Savings are based on the average credit card balance of $4,700 (as at 1 September 2013) according to being charged the average credit card interest rate (as at August 2013) according to the Reserve Bank of Australia lending indicator for standard credit cards.

The estimated savings assume: interest is calculated daily and capitalised at the end of the month; minimum repayments of the greater of 2.50% or $50 of the outstanding balance are paid each month; no other transactions or fees are charged to your account or the competitor account during the term of the balance transfer; and the competitor interest rate does not change over the term of the balance transfer.

Indicative and for illustrative purposes only. The estimated saving is rounded to the nearest whole dollar and is based on a balance transfer rate of 0% pa for 6 months from the date of card approval. The promotional rate then reverts to the standard variable interest rate for purchases.

+ The 0%pa interest rate applies only to balances transferred with this offer for the first six months from the date your account is approved and then reverts to the standard variable interest rate for purchases, which is currently 20.70%pa. 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.

° Up to 55 days interest free on purchases only applies if your Account is paid in full by the due date each month (including any balance transfers).

× 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;
b) You immediately and without delay notify Card Services upon discovery of the loss, theft, or unauthorised use;
c) You have not reported two or more incidents of unauthorised use in the preceding 12 months;
d) Your account is in good standing; and
e) You have complied with the Conditions of Use.

~Concierge services are provided by International SOS (Australasia) Pty ltd ABN 83 052 247104. You are liable to pay for any goods or services that you request.

^Secure Sentinel membership is provided by Secure Sentinel Pty Ltd ABN 53 054 235 157 and is subject to the Terms and Conditions of Secure Sentinel. It is important for you to read Secure Sentinel membership terms and conditions available at Macquarie Bank Limited (ABN 46 008 583 542) is not liable or responsible for any guarantees, warranties or representations made by Secure Sentinel for the supply of Secure Sentinel membership.

MasterCard and the MasterCard brand mark is a registered trademark of MasterCard International Incorporated.