Terms and conditions
Terms and conditions for our credit cards and other products:
Credit Card Terms and Conditions
Credit Card Terms and Conditions and Other Important Information (PDF, 402KB)
Rewards Terms and Conditions
These terms and conditions apply to MyCard Premier, MyCard Premier Qantas, MyCard Rewards, MyCard Rewards Qantas.
MyCard Rewards Program and MyCard Qantas Rewards Program Terms and Conditions (PDF, 278KB)
Luxury Stay and Travel Benefit Terms and Conditions
These terms and conditions are only applicable to former MyCard Prestige and MyCard Prestige Qantas cardholders.
Luxury Stay and Travel Benefits (PDF, 134KB)
Complimentary Insurance Terms and Conditions
These terms and conditions apply to all cards except MyCard Ready Credit.
Prior to 15 May 2026: MyCard Credit Cards Complimentary Insurance Policy Information Booklet – effective 26 November 2025 (PDF, 619KB)
From 15 May 2026: MyCard Credit Cards Complimentary Insurance Policy Information Booklet (PDF, 564KB)
MyCard Credit Cards Complimentary Mobile Phone Insurance Terms and Conditions (PDF, 220KB)
Digital Terms and Conditions
Click to Pay Terms and Conditions (PDF, 97KB)
Samsung Pay Terms and Conditions (PDF, 97KB)
Apple Pay Terms and Conditions (PDF, 97KB)
Google Pay Terms and Conditions (PDF, 102KB)
Policies and guides
Useful forms
Here are some useful forms relating to our credit cards:
Change of Name form (PDF, 195KB)
Change in Date of Birth (PDF, 152KB)
Appointment of an Authorised Person (AP) Request Form (PDF, 166KB)
Appointment of a Power of Attorney (POA) Request Form (PDF, 223KB)
Autopay (Direct Debit) Form (PDF, 171KB)
Direct Debit (Autopay) Request and Service Agreement (PDF, 141KB)
Application for Financial Hardship Assistance (PDF, 601KB)
Closing NAB accounts and releasing funds for a Deceased Estate form (PDF, 1MB)
Fees and charges
View our fees and charges for MyCard credit card products.
Target Market Determinations
A Target Market Determination (TMD) describes who a product may be suitable for, based on likely needs, objectives and financial situations. It doesn’t replace terms and conditions or product disclosure statements. It’s important that you read and understand these disclosure documents before taking out one of our products.
Banking Code of Practice
The Banking Code of Practice is an industry code that’s published by the Australian Banking Association (ABA). MyCard is brought to you by NAB, which is a long-standing member of the ABA and a subscriber to the Code.
Get in touch
Contact us
Explore our contact information and get support for all our products.
Give us feedback
Help us improve your banking experience. Give us your feedback or make a complaint.