Enjoy no annual fee or late fees. Minimum Credit Limit $2,000. Purchase Rate 22.49% p.a.
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.
Find a credit card that suits you
MyCard Simplicity
Annual Fee
$0
p.a.
Current offer
-
0% p.a. for 6 months on Purchases and Balance Transfers
MyCard Clear
A low interest rate on Retail Purchases. Minimum Credit Limit $2,000. Purchase Rate 14.99% p.a.
Annual fee
$149
p.a.
Choose an offer
-
0% p.a. for 24 months on Balance Transfers
3% Balance Transfer Fee applies. -
5.99% p.a. for 36 months on Balance Transfers
MyCard Rewards
Earn points on your everyday spend and turn them into rewards you love. Minimum Credit Limit $2,000. Purchase Rate 22.49% p.a.
Annual fee
$199
p.a.
Choose an offer
-
100,000 bonus MyCard Reward Points when you spend $5,000 on eligible purchases within 90 days from approval
-
0% p.a. for 15 months on Purchases and Balance Transfers
2% Balance Transfer Fee applies. -
90,000 bonus Velocity Points via Autoredemption when you spend $5,000 on eligible purchases within 90 days from approval and keep your card open for over 12 months
MyCard Premier
Elevate every moment with rewards and travel benefits. Minimum Credit Limit $10,000. Purchase Rate 22.49% p.a.
Annual fee
$300
p.a.
Choose an offer
-
150,000 bonus MyCard Reward Points when you spend $7,000 on eligible purchases within 90 days from approval and keep your card open for over 12 months
-
110,000 bonus Velocity Points via Autoredemption when you spend $8,000 on eligible purchases within 90 days from approval
MyCard Premier Qantas
Earn Qantas Points with access to rewards and travel benefits. Minimum Credit Limit $10,000. Purchase Rate 22.49% p.a.
Annual Fee
$350
p.a.
Current offer
-
100,000 bonus Qantas Points when you spend $6,000 on eligible purchases within 90 days from approval and keep your card open for over 12 months
MyCard Prestige
Premium travel benefits with our highest Reward Points earning card. Minimum Credit Limit $20,000. Purchase Rate 22.49% p.a.
Annual fee
$700
p.a.
Choose an offer
-
250,000 bonus MyCard Reward Points when you spend $10,000 on eligible purchases within 90 days from approval
-
200,000 bonus Velocity Points via Autoredemption when you spend $12,000 on eligible purchases within 90 days from approval and keep your card open for over 12 months
MyCard Prestige Qantas
Our highest Qantas Points earning card with premium travel benefits. Minimum Credit Limit $20,000. Purchase Rate 22.49% p.a.
Annual fee
$749
p.a.
Current offer
-
125,000 bonus Qantas Points when you spend $10,000 on eligible purchases within 90 days from approval
All credit cards come with…
Up to 15% off Luxury Escapes
Enjoy up to 15% off eligible Luxury Escapes hotels. Discount cap applies.
10% off selected Expedia hotels
Save on your next getaway with 10% off selected hotels on Expedia.
10% off selected Wotif hotels
Explore Australia and beyond with 10% off selected hotels on Wotif.
Complimentary Purchase Protection Insurance
Access Complimentary Purchase Protection Insurance
Complimentary Extended Warranty Insurance
Access Complimentary Extended Warranty Insurance
Instalment Plans
Pay back large credit card expenses with monthly instalments.
MyCard Rewards Program
Make every spend rewarding with the MyCard Rewards Program.
The MyCard Rewards Program only applies to MyCard Rewards, MyCard Premier and MyCard Prestige cardholders.
Pay with Points
Redeem your reward points to receive a credit back on almost any purchase with Pay with Points.
Redeem Giftcards
Redeem your reward points for Giftcards with over 50 brands and stores to choose from.
Transfer Points
Transfer your points to one of our loyalty partner programs including Flybuys and Velocity Frequent Flyer.
Be inspired, explore Insights
Credit cards explained, how to use one like a pro
Cut through the jargon and learn how to understand the value of your credit card, from interest-free periods and fees to statements.
Credit confidence: Build the score that opens doors
Learn what a credit score really means, how to check yours for free, and the simple habits that turn today’s number into tomorrow’s financial freedom.
Debit or credit? How to choose
Is debit or credit right for you? Uncover the differences between cards and why the choice depends on your unique spending style and goals.
Things you should know
Important information
Fees and charges
Read our Credit Card Terms and Conditions. Credit card fees and charges are payable. Approval and credit limit is subject to MyCard's credit assessment criteria. Information, including interest rates and annual card fees subject to change. Correct as at today. Please refer to the Target Market Determinations for our products. Credit cards issued by National Australia Bank Limited.