Existing cardholders: Find out what you need to know about the move to MyCard including important information about managing your account and helpful FAQs.

New applications: Applications for new MyCard credit cards are coming soon.

Welcome to MyCard

Are you an existing customer with a product that has moved to MyCard? Here is our helpful guide to ensure a smooth move.

How to access your Account​

  1. Visit the login page and click Get ready in 2 secure steps
  2. Select set new password on the Get ready in 2 secure steps screen.​
  3. Enter your new MyCard user ID and date of birth. Your MyCard user ID was sent to you via email. Otherwise refer to our FAQs on how to retrieve your MyCard user ID.​
  4. Enter the security code sent to your registered mobile number.​
  5. Set a new password following the password criteria.​
  6. Use your MyCard user ID and new password to log in.

Download the MyCard App today for a more convenient banking experience and follow our instructions.

  1. Open the MyCard App and select Get ready in 2 secure steps.​
  2. Select set new password on the Get ready in 2 secure stages screen.​
  3. Enter your new MyCard user ID and date of birth. Your MyCard user ID was sent to you via email. Otherwise refer to our FAQs on how to obtain your MyCard user ID.​
  4. Enter the security code sent to your registered mobile number.​
  5. Set a new password following the password criteria.​
  6. Log in with your MyCard user ID and your new password.​
  7. Enter the security code sent to your registered mobile number.​
  8. Complete the personalisation of your MyCard App settings, including biometrics login if you prefer to use it when logging in.​

Important notes

  • When you’re logging into the new experience for the first time, we’ll send you a few security codes along the way to make sure that it’s you, so you’ll need the mobile phone number registered to your account handy.​
  • Any additional cardholders will need to retrieve their MyCard user ID using their own card number and date of birth. Please refer to FAQs on how to obtain your MyCard user ID.​
  • When you log in to the MyCard App or MyCard Online, all your eligible accounts that have moved to MyCard will be visible in one place.​
  • For MyCard Ready Credit Accounts, you and any additional cardholders will need to reset your card PIN after you set up your login details via the MyCard App or MyCard Online.
  • If you are a customer who has migrated to MyCard and you wish to apply for a new MyCard Credit Card, you will need to register for MyCard Online before beginning your application.​

What is different

  • Managing your account

    Once you've logged in to the MyCard App or MyCard Online, you’ll be able to view your account balance, recent transactions, and payment options - all in one place. To find out more information, visit our helpful manage your MyCard account page.

  • Electronic statements​

    If you currently receive electronic statements, you will no longer receive statements via email. Instead, you’ll receive an email or SMS when your monthly statement is ready to view in the MyCard App or MyCard Online. Find out more about how to access your online statements.

  • New account number​

    Your next statement will include a new account number and BPAY® customer reference number. In some instances, you may have a new BPAY Biller Code which you should use when setting up new BPAY payments. This can be found in your next statement.

  • Viewing rewards​

    If your card is enrolled in the MyCard Rewards or MyCard Qantas Rewards Program, your points balance will be available in the MyCard App and MyCard Online. Your Rewards Balance will no longer appear on your monthly statement. Find out more information about the MyCard Rewards Program to see if your card is eligible and what rewards may apply to you.

  • Dynamic CVC for added security​

    Your digital Card now includes a Dynamic CVC - a temporary three-digit code that refreshes every 18 hours. You can use it for online and over-the-phone transactions which provides an extra layer of security.​

    Using the Dynamic CVC is optional. You can continue using the CVC printed on your physical card if you prefer.

  • Data sharing arrangements

    Once you’ve retrieved your MyCard user ID and set up your password, you’ll be able to create new data sharing arrangements.

FAQs

The Citi consumer business in Australia was acquired by National Australia Bank (NAB) on 1 June 2022. As part of the transition, we notified you in October via email or letter that your account will move to MyCard on a new system operated by NAB.

MyCard accounts are managed through the dedicated Online Servicing channels including the MyCard App and MyCard Online.

If you're unable to locate your MyCard user ID, you can retrieve it through the MyCard App or MyCard Online.

For primary and additional cardholders: Each cardholder must use their own card number and date of birth to retrieve their user ID.

Steps to retrieve your user ID:

1. Open the MyCard App or go to MyCard Online. 

2. Select Get ready in 2 secure steps.

3. Tap Get your new user ID.

4. Enter your card number and date of birth, then select Next.

5. Enter the security code sent to your registered mobile number and select Verify.

6. Your MyCard user ID will be sent to your email.

If you don't have a card number or are having issues with the first time login, call us on 13 24 84 for support.

Your account number has changed. Your next statement will display a new account number which will also be your new BPAY reference number.

Yes. If you used Easi-Pay or a direct debit to pay your Account, this has been transferred to the new system known as Autopay. If you have selected the ‘Payment Due’ option, this will draw the ‘Minimum Payment Due’ amount shown on your statement, as well as any overdue or overlimit amount; any additional payments received between the statement date and the payment due date may not reduce the amount drawn. You also have new payment options:

  • New Full Payment option (new for Ready Credit and Personal Loans)
    A new Full Payment option will be available. This will debit the remaining closing balance owing on the due date taking into account any extra payments made before the due date. If the direct debit for your account was already on the Full Payment option, this has remained.
  • New Fixed Payment option 
    A new Fixed Payment option will also be available to debit a fixed nominated amount or the total minimum payment due, whichever is greater.

To set up a direct debit, you can visit:

  • MyCard App: Minimum Pay > Autopay
  • MyCard Online: Pay > Make payments > Make a repayment > Direct Debit (Autopay)

More information on paying your MyCard Account, can be found at mycard.com.au/help-and-support/manage-account/paying-your-mycard-account

Payments to billers:

  • You’ll no longer be able to make BPAY payments over the phone. BPAY payments can only be made via the new MyCard App or MyCard Online.
  • If you have scheduled payments set up to a biller who does not accept credit card payments, or if future payments are set up with an invalid Customer Reference Number, those payments have now stopped.

Payments into your account:

  • If you have a BPAY payment using your existing account number, it will be processed to your new account number.
  • Your new account number (which is also your BPAY reference number) and your new BPAY biller code (if applicable) can be found on your first MyCard statement or under ‘account details’ or ‘repayment details’ in the new MyCard App or MyCard Online.
  • Your new account number does not change your credit card number. 

Statements will become available in the MyCard App or MyCard Online. If we have your email address and mobile number, we’ll send you an email and/or SMS when your statement for the month is available to view.

If you receive a paper statement each month, you will continue to receive paper statements. If applicable, a $2 paper statement fee will be debited to your account on the last day of the statement period.

You will be able to access 7 years’ worth of statements through your MyCard App and MyCard Online.

Please refer to mycard.com.au/help-and-support/manage-account/access-online-statements for information on online statements.

Unless you’ve set up an Instalment Plan, payments will be applied in this order:

  • To the portion of the closing balance of your most recent statement with the highest interest rate.
  • Then to the portion with the next highest rate, and so on.
  • Finally, to transactions not yet appearing on your statement in a similar order.

If you have an instalment plan, payments will be applied differently. More information can be found in your Terms and Conditions.

The Fixed Payment Option (FPO) is now called an Instalment Plan. Any changes to your annual percentage rate (APR) will not affect your Instalment Plan.

You can create new data sharing arrangements after you have set up the new MyCard App or MyCard Online experience. 

If you have a MyCard Plus, MyCard Standard or MyCard Platinum, your historical data sharing arrangements will not be available in your new dashboard in the MyCard App and MyCard Online, but you will continue to see them in your Activity Logs on your Consumer Dashboard accessed via the Suncorp Bank App. 

For all other MyCard products, you can see your historical data sharing arrangements in your new dashboard, including consents withdrawn on 7 September 2025 for MyCard Repay, and 23 November 2025 for remaining MyCard products. This may take up to 72 hours to appear.

More information on Open Banking can be found at mycard.com.au/help-and-support/manage-account/open-banking.

Your accounts are managed digitally through our dedicated MyCard Online Servicing channels including the MyCard App and MyCard Online with chat and phone servicing options also available. We don't offer in-branch services.

In October 2025, we sent communications, including a variation notice to your nominated email or postal address. The Variation Notice included information on any changes to your interest rates, fees and charges and included information on your card benefits. More information on changes can be found in your Terms and Conditions.

You and any additional cardholders can continue using your existing card as you usually do. If you request a replacement card as your current card is damaged or lost/stolen, you will receive a MyCard branded card upon replacement. This includes if your card is due to expire.

If you have not set up your digital wallet, you can add your card to Apple Pay, Google Pay or Samsung Pay. Any digital wallets already created will continue.

There are updates to your Digital Wallet Terms and Conditions. Please refer to mycard.com.au/help-and-support/important-information/terms-and-conditions for more information on Apple PayTM, Google PayTM, Samsung PayTM Terms and Conditions.

We introduced ‘Dynamic CVC’ as an additional security feature. Dynamic CVC generates a new, temporary CVC number in the MyCard App and MyCard Online every 18 hours and is different to the three-digit CVC printed on the back of your physical card. It can be used for payments where you need to provide your card details to a merchant online or over the phone.

To find your dynamic CVC navigate to your card details on your MyCard App or MyCard Online.

You don’t have to use the dynamic CVC if you don’t want to. You can use the three-digit CVC printed on your physical card or the dynamic CVC to make transactions.

Your rewards program has been renamed MyCard Rewards Program and MyCard Qantas Rewards Program. The way you earn points has not changed.

For cards enrolled in the MyCard Rewards Program, you can find out more about the rewards experience and how to redeem here mycard.com.au/rewards-program.

If applicable to your account, you can view your Rewards Balance within the MyCard App and MyCard Online.

There are no changes to your consumer credit insurance policy. The policy will continue as per the terms and conditions of your policy.

Yes, if you have given your card details to a merchant to make regular payments, such as subscription services or regular bills, these payments will continue.

No. You can no longer process payments using your account BSB and account numbers. This means you can no longer transfer or receive money to or from another Australian bank account. You can no longer use your Ready Credit account to set up direct debits with other banks. Scheduled payments using an account number will no longer be processed moving forward. You can continue to pay merchants and set up recurring transactions using your card number or pay bills through BPAY online.

No. Once you have registered on the new MyCard App or MyCard Online, you will need to reset your card PIN to be able to use your card. If you are unable to change your PIN on the MyCard App or MyCard Online after the transition date, you can request a PIN to be sent to your mailing address.

For more information on changing your PIN, refer to www.mycard.com.au/help-and-support/manage-account/reset-card-pin.

Contact us

Chat with us

Log in to your account and chat with us online.

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Call us

Speak with our MyCard Customer Service Team over the phone.

13 24 84

(or +61 2 8225 0615 if outside Australia)

Write to us

You can write to us at:

MyCard

GPO Box 9992, Melbourne VIC 3001.

Things you should know

Important information

Bank@Post

Bank@PostTM and its device mark are trademarks (registered or otherwise) of the Australian Postal Corporation. All rights reserved. 

BPAY®

Registered to BPAY Pty Ltd ABN 69 079 137 518.

App Store

App Store is a service mark of Apple Inc. 

Read our App and Online Terms of Use.

Google Play

Google Play and the Google Play Logo are registered trademarks of Google LLC.