The new MyCard experience is here​

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 MyCard user ID:

1. Open the MyCard App or visit MyCard Online.
2. Select Get ready in 2 secure steps.
3. Tap Get your new MyCard 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 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.

You also have new payment options:

• Full Payment (Closing Balance or Interest Free Days Payment)

A new Full Payment option will be available. This will debit the closing balance or the interest free days payment if you have an Instalment Plan or Balance Transfer. The Interest Free Days Payment excludes Instalment balances not yet due and Balance Transfer amounts (including any amount owing after the Balance Transfer promotional period expires). If you want to reduce Balance Transfer amounts, you’ll need to make extra payments. If the direct debit for your account was already on the Full Payment option, this has remained.

• 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.

All payments made after your statement is issued may not change your direct debit amount. We’ll only debit up to your statement’s closing balance and never an amount that puts your account into credit.

To set up a direct debit, you can visit:

• MyCard App and MyCard Online: Pay > Make payments > Make a repayment > AutoPay (Direct Debit)

View more information about 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 credit card number remains the same.

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.

Learn how to access your 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 your new MyCard App or MyCard Online experience.

If you have a MyCard Plus, MyCard Standard, MyCard Platinum Qantas 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.

View more information about Open Banking.

Credit Card products that moved to MyCard on 24 November 2025 do not support direct bank feeds to third party accounting software. 

At this time, MyCard cannot guarantee compatibility with any direct-feed connections.

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.

Over-the-counter payments at Australia Post can fail if your card isn’t activated, the PIN is incorrect, or your PIN hasn’t synced after a recent change. Make a chip and PIN transaction or an ATM balance check first, then retry at Australia Post.

If it still doesn’t work, pay via BPAY using the updated biller code and your new BPAY Customer Reference Number on your statement. BPAY payments take 1 to 3 business days to appear.

If you used old BPAY details and the payment hasn’t appeared after 3 business days, contact your bank to trace/recall and message us in MyCard Online.

You can reset your PIN or by contacting us to send a PIN mailer.

View more information about resetting your MyCard PIN.

Most BPAY payments using your previous reference number will still route correctly to your new account. If it hasn’t appeared after 1 to 3 business days, update your saved payee with the new biller code and reference number shown on your latest MyCard statement.

Some merchant-initiated payments don’t automatically carry over after an account number change. Update your payment details directly with the merchant to restore your recurring debit.

Statements are issued monthly in the MyCard App and MyCard Online.

If you’ve opted into paper, postal delivery may take longer. If it hasn’t arrived, download it online or request a one-off copy via chat.

If delayed statements resulted in a late payment, contact us for a review.

Learn how to access your online statements.

Request a payout figure or closure letter by contacting us. These are normally issued within 2 to 5 business days.

After paying a payout figure, a small residual interest amount may appear; we’ll automatically offset this so your account can close at $0, and we can update your credit report accordingly.

For security, onetime passcodes are only sent to your Australian mobile number. If you only have an international number, you may not be able to receive SMS verification.

If you’re using your Australian number overseas, check that your mobile provider can receive international text messages from Australia and that your plan allows these messages. If the code still doesn’t arrive, it may have been blocked by the overseas provider.

If this happens, please contact us by phone to discuss temporary access options or request copies of statements while overseas.

If you’re struggling, contact our Financial Assistance team immediately.