Making payments to your account: You can find details on how to make payments to your account here. Your new BPAY reference number is in your MyCard statement, but payments using your previous BPAY details will still be applied to your account.
Getting copies of your statements: You can download statements from November 2023 onward via the MyCard app or MyCard Online. For earlier statements, you can request them through chat with us in MyCard Online. Only the accountholder can view or request statements.
Accessing MyCard Online: refer to our FAQs on how to retrieve your MyCard user ID and log in for the first time.
MyCard Rewards
Earn points on your everyday spend and turn them into rewards you love.
At a glance
Reward your everyday with MyCard Rewards. From earning points on your daily spend to redeeming them in a variety of ways that suit you, including Pay with Points
This card has a Minimum Credit Limit $2,000.
Annual fee
Retail purchase rate
Cash advance rate
Earn MyCard Reward Points for every $1 spent on Eligible Transactions
| Spend type | Number of Points | Spend Eligibility |
|---|---|---|
Spend type International Spend | Number of Points 1 Point | Spend Eligibility on Eligible Transactions made overseas or online with a merchant that is based overseas. |
Spend type Domestic Spend | Number of Points 1 Point | Spend Eligibility on Eligible Transactions capped at $10,000 spend per statement period. |
What you get
Things to consider
-
Higher retail purchase rate than our MyCard Clear.
-
Annual fees apply. For a no annual fee credit card see our MyCard Simplicity.
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A lower Reward Point earn rate than our MyCard Premier and MyCard Prestige credit cards.
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Priority PassTM
not available with this product, upgrade to the MyCard Premier or MyCard Prestige to gain access to this benefit.
Benefits
Explore the benefits that come with MyCard Rewards
MyCard Rewards Program
Earn MyCard Reward Points on eligible everyday purchases and redeem them your way. From Pay with Points
Complimentary Mobile Phone Insurance
Pay your monthly postpaid plan bill with your MyCard Rewards card and you'll be covered for Accidental Damage and Theft.
Instalment Plans
Pay back large credit card expenses with monthly instalments.
Complimentary Purchase Protection Insurance
Access purchase protection insurance on eligible purchases.
Complimentary Extended Warranty Insurance
Access extended warranty insurance on eligible purchases.
Choose an offer that suits you
100,000 bonus MyCard Reward Points
Get 100,000 bonus MyCard Reward Points when you spend $5,000 on eligible purchases within 90 days from approval.
Annual fee
Purchase interest rate
Included extras
0% p.a. on Purchases and Balance Transfers for 15 months
Get 0% p.a. for 15 months on purchases and balance transfers.
Annual fee
Purchase interest rate
Included extras
90,000 bonus Velocity Points via Autoredemption
Get 90,000 bonus Velocity Points when you spend $5,000 on eligible purchases within 90 days from approval, enrol in autoredemption and keep your card open for over 12 months.
Annual fee
Purchase interest rate
Included extras
Rates and fees
Interest rates and fees
These are our standard interest rates and fees for the MyCard Rewards credit card. For the full list, please see our Credit Card fees and charges page.
| Fee type | Rate (p.a.) |
|---|---|
Fee type Annual fee | Rate (p.a.) $199 |
Fee type Retail purchase rate | Rate (p.a.) 22.49% p.a. |
Fee type Cash advance rate Or pay off eligible purchases at an interest rate over a set term with a MyCard Instalment Plan. | Rate (p.a.) 22.99% p.a. |
Fee type Additional cardholder fee You may have up to four additional cardholders, who must be at least 16 years old. | Rate (p.a.) $90 per additional cardholder |
Other rates and fees
These are some other rates and fee information including credit limits and interest free days for the MyCard Rewards credit card.
| Fee type | Fee details |
|---|---|
Fee type Interest-free period | Fee details Up to 44 days (On retail purchases) |
Fee type Credit limit Credit limit changes are subject to credit assessment criteria. | Fee details Your minimum credit limit is $2,000, your maximum is $100,000 |
Fee type Late payment fee | Fee details $30 |
Fee type Domestic cash advance fee Minimum charge $3.50. | Fee details 3.5% of transaction amount |
Fee type International cash advance fee | Fee details $5 |
Fee type Paper statement fee | Fee details $2 per month |
Fee type International transaction fee | Fee details 3.5% of transaction amount |
Fee type Over-the-counter transaction fee (Bank@PostTM) | Fee details $2.50 |
Featured offers
Explore these limited time offers with MyCard Rewards.
Up to 15% off Luxury Escapes
Enjoy up to 15% off eligible Luxury Escapes hotels. Discount cap applies.
10% off selected Expedia hotels
Save on your next getaway with 10% off selected hotels on Expedia.
10% off selected Wotif hotels
Explore Australia and beyond with 10% off selected hotels on Wotif.
MyCard Rewards Program
Make every spend rewarding with the MyCard Rewards Program.
Pay with Points
Redeem your reward points to receive a credit back on almost any purchase with Pay with Points.
Redeem Giftcards
Redeem your reward points for Giftcards with over 50 brands and stores to choose from.
Transfer Points
Transfer your points to one of our loyalty partner programs including Flybuys and Velocity Frequent Flyer.
You might also like
MyCard Premier
Elevate every moment with rewards and travel benefits. Minimum Credit Limit $10,000. Purchase Rate 22.49% p.a.
Annual fee
MyCard Premier Qantas
Earn Qantas Points with access to rewards and travel benefits. Minimum Credit Limit $10,000. Purchase Rate 22.49% p.a.
Annual fee
MyCard Clear
A low interest rate on Retail Purchases. Minimum Credit Limit $2,000. Purchase Rate 14.99% p.a.
Annual fee
MyCard Simplicity
Enjoy no annual fee or late fees. Minimum Credit Limit $2,000. Purchase Rate 22.49% p.a.
Annual fee
Things you should know
Important information
Fees and charges
Read our Credit Card Terms and Conditions. Credit card fees and charges are payable. Approval and credit limit is subject to MyCard's credit assessment criteria. Information, including interest rates and annual card fees subject to change. Correct as at today. Please refer to the Target Market Determinations for our products. Credit cards issued by National Australia Bank Limited.