AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz) has issued a Complimentary insurance group policy to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) which allows eligible NAB account holders and cardholders to claim under it as third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). NAB is the credit provider and issuer of MyCard branded credit cards. Our/us/we/The MyCard Team means NAB unless the context otherwise requires it. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, exclusions, limits and applicable sub-limits of the group policy are set out in the MyCard Credit Cards Complimentary Insurance Policy Information Booklet which may be amended from time to time. Neither NAB nor any of its related corporations guarantee this insurance.
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.
Policy information booklet
There are important changes to complimentary insurances available under certain eligible cards.
The MyCard Credit Cards Complimentary Insurance Policy Information Booklet will be updated for changes becoming effective 15 May 2026. These changes will apply to certain eligible cards for events occurring on or after this date.
View the existing and updated booklet below:
Prior to 15 May 2026: MyCard Credit Cards Complimentary Insurance Policy Information Booklet effective 26 November 2025 (PDF, 619KB)
From 15 May 2026: MyCard Credit Cards Complimentary Insurance Policy Information Booklet effective 15 May 2026 (PDF, 546KB)
From 15 May 2026, these changes include for certain cards:
- Re-classification of cards and the removal of the Level 2 Card classification;
- Removal of International and Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia; and
- Changes to the Limit of Travel Delay Expenses.
For details of the changes taking effect on 15 May 2026, please read the summary of changes below.
Changes effective 15 May 2026
1. Changes to Card Level classification
Certain Level 2 Cards will be reclassified to Level 3 Cards under Definitions. Please see the table below setting out the cards that fall under each Card classification on or after 15 May 2026.
| Current | From 15 May 2026 |
|---|---|
Current Level 2 Card means a current and valid MyCard branded card of the following types issued by NAB:
| From 15 May 2026 Level 2 Card is no longer a recognised category and removed. |
Current Level 3 Card means a current and valid MyCard branded card of the following types issued by NAB:
| From 15 May 2026 Level 3 Card means a current and valid MyCard branded card of the following types issued by NAB:
|
2. Removal of International and Domestic Travel Insurance, and Rental Vehicle Excess Insurance in Australia
The cards below (Level 3 Cards) will no longer have complimentary International and Domestic Travel Insurance, and Rental Vehicle Excess Insurance in Australia on or after 15 May 2026:
- MyCard Rewards Card (excluding previously Card Services Silver Rewards Mastercard)
- MyCard Platinum Card
- MyCard Platinum Qantas Card
- MyCard Clear Card (previously Card Services Platinum Low Rate Mastercard)
This means you’ll need to make your own alternative insurance arrangements to be covered on or after 15 May 2026.
3. Changes to Travel Delay Expenses
For the cards below, the Limit for International Travel Insurance in 3.2 Travel Delay Expenses under Part C – Benefit Limits and Part E – The Cover Available will be updated to include a claim limit for every 24 consecutive hour period after 6 consecutive hours of delay.
- MyCard Prestige Card
- MyCard Premier Card
Please see the table below setting out the changes that apply on or after 15 May 2026.
| Current | From 15 May 2026 | |
|---|---|---|
International Travel Insurance (for persons aged under 81 years) Part C – Benefit Limits 3.2 Travel Delay Expenses | Current After 6 consecutive hours delay, up to $500 per person for meals and accommodation expenses up to a maximum total limit of $2,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse. | From 15 May 2026 After 6 consecutive hours delay, and for each subsequent 24 consecutive hour period thereafter, up to $500 per person for meals and accommodation expenses up to a maximum total limit of $2,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse. |
International Travel Insurance (for persons aged under 81 years) Part E – The Cover Available Section 3.2 Travel Delay Expenses 3.2.1 What we cover | Current We will pay up to the amount specified in Part C – Benefit Limits – 3.2 Travel Delay Expenses at the end of the initial 6 consecutive hour period. | From 15 May 2026 We will pay up to the amount specified in Part C – Benefit Limits – 3.2 Travel Delay Expenses at the end of the initial 6 consecutive hour period and for each subsequent 24 consecutive hour period thereafter. |
What does this mean for travel?
Date of claimable event before 15 May 2026
For cardholders of the below cards who meet eligibility, claims are assessed according to the MyCard Credit Card Insurance Policy Information Booklet in effect on the date of the claimable event.
- MyCard Rewards Card (excluding previously Card Services Silver Rewards Mastercard)
- MyCard Platinum Card
- MyCard Platinum Qantas Card
- MyCard Clear Card (previously Card Services Platinum Low Rate Mastercard)
Date of claimable event on or after 15 May 2026
For cardholders of the below cards who meet eligibility and the claimable event is on or after 15 May 2026, claims will be assessed according to the new MyCard Credit Cards Complimentary Insurance Policy Information Booklet (PDF, 546KB) you will no longer be covered by International and Domestic Travel Insurance, or Rental Vehicle Excess Insurance in Australia.
- MyCard Rewards Card (excluding previously Card Services Silver Rewards Mastercard)
- MyCard Platinum Card
- MyCard Platinum Qantas Card
- MyCard Clear Card (previously Card Services Platinum Low Rate Mastercard)
Cardholders with the below cards who meet eligibility and the claimable event is on or after 15 May 2026, if your travel is delayed for at least 6 consecutive hours, and then for each additional 24 consecutive hours after that, you can claim up to $500 per person for meals and accommodation. The total claim is capped at $2000 per card holder or spouse (dependants included in this limit).
- MyCard Prestige Card
- MyCard Premier Card
Claims will be assessed according to the new : MyCard Credit Cards Complimentary Insurance Policy Information Booklet effective 15 May 2026. (PDF, 546KB)
For full details of changes effective 15 May 2026, please read our : MyCard Credit Cards Complimentary Insurance Policy Information Booklet effective 15 May 2026. (PDF, 546KB)