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.
What is MyCard Ready Credit?
MyCard Ready Credit is an account that allows you to access funds when you need them. Existing customers can borrow from $5,000 to $75,000.
What can I use MyCard Ready Credit for?
MyCard Ready Credit is very flexible and can be used for a range of purposes to suit your lifestyle, for example:
- Buying a Car
- Holiday expenses such as flights and accommodation
- Home renovations
- A milestone celebration
- Unexpected expenses such as a vet or medical bill
How do I make my repayments?
If you’re an existing customer, it’s important to ensure your minimum payments are made on time, each month.
- Autopay (Direct Debit)
- Australia Post
- BPAY
Learn more about how to make MyCard Ready Credit repayments on our paying your MyCard account page.
Rates and fees
Here are the standard rates and some of the fees that apply to MyCard Ready Credit.
| Fee type | MyCard Ready Credit |
|---|---|
Fee type Annual Percentage Rate (APR) | MyCard Ready Credit 22.49% p.a. |
Fee type Cash advance fee | MyCard Ready Credit $0 |
Fee type Early pay out fee | MyCard Ready Credit $0 |
Fee type Additional repayment fee | MyCard Ready Credit $0 |
Fee type Minimum loan amount | MyCard Ready Credit $5,000 |
Fee type Maximum loan amount | MyCard Ready Credit $75,000 |
Things you should know
Important information
Fees and charges
Read our App and Online Terms of Use. Read our Credit Card Terms and Conditions and Other Important information for more information on MyCard Ready Credit. Please refer to credit card fees and charges for more information on fees. Fees and charges are subject to change, correct as at today.