BPAY® is registered to BPAY Pty Ltd ABN 69 079 137 518.
Bank@PostTM and its device mark are trademarks (registered or otherwise) of the Australian Postal Corporation. All rights reserved.
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.
Options for paying your MyCard account
You can choose to pay your account via the following options:
BPAY®
BPAY® is a bill payment service that lets you pay your bills day or night. You can use BPAY® to make payments from another account to your MyCard account. Here's what you'll need:
- BPAY® Biller Code: this can be found at the bottom of your statement.
- Customer Reference Number (CRN): This is your MyCard account number, which you'll find on your statement.
Keep in mind, BPAY® payments can usually take up to three business days to process. To avoid late fees or extra charges, check the cut-off and processing times to make sure your payment can be received before the payment due date (listed on your statement).
How to set up BPAY®
Learn how to add billers, set up and use BPAY® to pay your bills simply and securely.
AutoPay (Direct Debit)
AutoPay (Direct Debit) can be a convenient way to automate your monthly credit card repayments - reducing the hassle of having to remember due dates.
Once set up, your repayments will automatically be deducted each month from the bank account you choose.
Your chosen account must be in your name, and there must be enough funds available on the payment due date (listed on your statement) to avoid missed payments and subsequent fees or charges.
How do I set up Direct Debit repayments?
Instructions for the MyCard App or MyCard Online
- Login to your account.
- Select Pay.
- Scroll to Make payments.
- Select Make a repayment.
- Scroll to AutoPay (Direct Debit).
- Select Setup.
- Enter the account name, BSB and account number you're paying from.
- Select the amount you’d like to pay each month.
- Follow the prompts.
Instructions for manual form
- Download and print the AutoPay (Direct Debit) form.
- Complete and sign the form.
- Return your completed form to us via the email or mailing address provided.
Please note it can take up to 2 business days for your AutoPay (Direct Debit) payment to be cleared from the bank account you have nominated to be debited. Until the payment is cleared, these funds will not be available for use.
Bank@PostTM
Available at an Australia Post outlet displaying the Bank@PostTM symbol.
To use Bank@PostTM you’ll need to bring your MyCard Credit Card and know your Personal Identification Number (PIN).
A $2.50 over-the-counter transaction fee (Bank@PostTM) applies when you use Australia Post to make payments to your Account.
What is the minimum payment due?
You must pay the minimum payment due by the payment due date each month as shown on your monthly statement.
The minimum payment due is either $25 or 2% of the closing balance (rounded to the nearest dollar), whichever is greater.
If you owe less than $25, your minimum payment is the full balance of the card. This is in addition to any fee or interest that is part of an instalment plan for that statement period such as:
- Monthly instalment
- Initial interest charge
- Instalment fee
- Related interest
Where to check the minimum payment due
Your monthly statement will tell you the minimum payment due, as well as the date the payment needs to be received by to avoid late fees. Alternatively, you can see the minimum payment due on the home screen after you log into either the MyCard App or MyCard Online.
Missing the payment due date
A late payment fee of $30 applies for all MyCard products other than MyCard Simplicity. Refer to the Terms and Conditions for further details.
Available credit limit
When you make a payment to your account, through direct debit or BPAY, using your MyCard number as your customer reference number, the available credit limit is updated as soon as the payment is processed.
Are you experiencing financial hardship?
If you’re having trouble making payments, call us on 1800 722 879 from Monday to Friday, 8:00am to 8:00pm (AEST/AEDT) and Saturday, 9:00am to 1:00pm (AEST/AEDT). You may also want to read more about Financial Assistance available to you.
Don’t have the MyCard App?
Download the MyCard App today for a more convenient banking experience.
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