Earn points on your everyday spend and turn them into rewards you love.
Annual fee: $199 p.a.
The fee will increase to $249 p.a. for applications started on or after 1 October 2026.
Minimum Credit Limit $2,000.
Purchase Rate 22.49% p.a.
Why Pay with Points?
Turn your everyday credit card purchases into real savings. Whether it’s your morning coffee or your latest online splurge, simply use your MyCard Reward Points to receive a credit back to your account through your MyCard Rewards Portal. It’s easy and effortless.
Please note: Pay with Points is only available for MyCard Rewards, Premier, Prestige, Classic Plus and Platinum cardholders.
Seamless redemption
Redeem directly and securely from the MyCard App and MyCard Online.
Freedom to choose
Use points your way – for groceries, streaming or that little luxury, on eligible purchases.
How it works
Instructions for the MyCard App and MyCard Online
- Make an eligible purchase using your MyCard Rewards, Premier, Prestige, Platinum or Classic Plus credit card.
- Log into your MyCard App or MyCard Online.
- Click on Redeem MyCard Reward Points to open MyCard Rewards Portal.
- On the top navigation bar select Pay with Points.
- You will see Redeem button against the list of transactions eligible for Pay with Points.
- Click the Redeem button next to the transaction you want.
- Confirmation pop-up will appear, check all the transaction details, and select Confirm.
Note: You will get credit back within 5 business days.
Don’t have the MyCard App?
Download the MyCard App today for a more convenient banking experience.
Explore our rewards cards
MyCard Rewards
MyCard Premier
Elevate every moment with rewards and travel benefits.
Annual fee: $300 p.a.
Minimum Credit Limit $10,000.
Purchase Rate 22.49% p.a.
MyCard Prestige
Premium travel benefits with our highest points earning card.
Annual fee: $700 p.a.
Minimum Credit Limit $20,000.
Purchase Rate 22.49% p.a.
Other ways to redeem
FAQs
You may use your Points to pay for eligible transactions that we present to you via Online Servicing or any other method we make available to you. Only selected transactions that you have made and that we present to you can be redeemed using Pay with Points. Please check the MyCard Rewards Terms & Conditions for more details.
Only Primary Cardholders can redeem MyCard Reward Points using Pay with Points. Please note: Customers who are enrolled in the MyCard Qantas Rewards Program will not be eligible for Pay with Points.
This information can be found once you log in to the MyCard App or MyCard Online. It will be recorded on your redemption activity statement.
You will receive your statement credit within five business days.
No. Pay with Points redemption cannot be cancelled or reversed.
Yes, the required minimum payment due and/or overdue amount reflected on your credit card statement must be paid in accordance with your credit card agreement. Your payment obligations will not change.