The fee will increase to $249 p.a.
for applications started
on or after 1 October 2026
Up to 90,000 bonus Velocity Points via Autoredemption
Offer applies to a new MyCard Rewards credit card. Get 60,000 bonus Velocity Points with autoredemption when you spend $5,000 on eligible purchases within 90 days from approval and an additional 30,000 bonus Velocity Points when you keep your card open for over 12 months.
Current offer
Up to 90,000 bonus Velocity Points via Autoredemption
Get 60,000 bonus Velocity Points with autoredemption when you spend $5,000 on eligible purchases within 90 days from approval and an additional 30,000 bonus Velocity Points when you keep your card open for over 12 months.
Annual Fee
$199
p.a.
Purchase Interest Rate
22.49
%
p.a.
Included extras
At a glance
Reward your everyday with MyCard Rewards.
From earning points on your daily spend to redeeming them in a variety of ways that suit you, including Pay with Points
This card has a Minimum Credit Limit $2,000.
Annual Fee
$199
p.a.
The fee will increase to $249 p.a.
for applications started
on or after 1 October 2026
Retail Purchase Rate
22.49
%
p.a.
Cash Advance Rate
22.99
%
p.a.
Earn MyCard Reward Points for every $1 spent on Eligible Transactions
We’re updating how you earn with MyCard from 1 October 2026.
Earn rate until 30 September 2026
| Spend type | Number of Points | Spend Eligibility |
|---|---|---|
Spend type International Spend | Number of Points 1 Point | Spend Eligibility on Eligible Transactions made overseas or online with a merchant that is based overseas. |
Spend type Domestic Spend | Number of Points 1 Point | Spend Eligibility on Eligible Transactions capped at $10,000 spend per statement period. |
Earn rate from 1 October 2026
| Spend type | Number of Points | Spend Eligibility |
|---|---|---|
Spend type International Spend | Number of Points 2 Points | Spend Eligibility on Eligible Transactions made overseas or online with a merchant that is based overseas. |
Spend type Domestic Spend | Number of Points 2 Points | Spend Eligibility on Eligible Transactions made directly with supermarkets or petrol outlets. |
Spend type Domestic Spend | Number of Points 1.5 Points | Spend Eligibility on Eligible Transactions. |
What you get
Things to consider
-
Higher retail purchase rate than our MyCard Clear.
-
Annual fees apply. For a no annual fee credit card see our MyCard Simplicity.
-
A lower Reward Point earn rate than our MyCard Premier credit card.
-
Priority PassTM
not available with this product, upgrade to the MyCard Premier to gain access to this benefit.
Benefits
Explore the benefits that come with MyCard Rewards
MyCard Rewards Program
Earn MyCard Reward Points on eligible everyday purchases and redeem them your way. From Pay with Points
Complimentary Mobile Phone Insurance
Pay your monthly postpaid plan bill with your MyCard Rewards card and you'll be covered for Accidental Damage and Theft.
Instalment Plans
Pay back large credit card expenses with monthly instalments.
Complimentary Purchase Protection Insurance
Access purchase protection insurance on eligible purchases.
Complimentary Extended Warranty Insurance
Access extended warranty insurance on eligible purchases.
Rates and fees
Interest rates and fees
For the full list, please see our Credit card fees and charges page.
| Fee type | Rate (p.a.) |
|---|---|
Fee type Annual fee | Rate (p.a.) $199 The fee will increase to $249 p.a. for applications started on or after 1 October 2026. |
Fee type Retail purchase rate Or pay off eligible purchases at an interest rate over a set term with a MyCard Instalment Plan. | Rate (p.a.) 22.49% p.a. |
Fee type Cash advance rate | Rate (p.a.) 22.99% p.a. |
Fee type Additional cardholder fee You may have up to 4 existing additional cardholders on your account. Please note that we are not accepting new additional cardholders on accounts at this time. | Rate (p.a.) $90 per additional cardholder |
Other rates and fees
| Fee type | Fee details |
|---|---|
Fee type Interest-free period | Fee details Up to 44 days (On retail purchases) |
Fee type Credit limit Credit limit changes are subject to credit assessment criteria. | Fee details Your minimum credit limit is $2,000, your maximum is $100,000 |
Fee type Late payment fee | Fee details $30 |
Fee type Domestic cash advance fee Minimum charge $3.50. | Fee details 3.5% of transaction amount |
Fee type International cash advance fee | Fee details $5 From 1 October 2026 the fee will change to 3.5% of the transaction amount. A minimum charge of $3.50 per transaction will apply. |
Fee type Paper statement fee | Fee details $2 per month |
Fee type International transaction fee | Fee details 3.5% of transaction amount |
Fee type Over-the-counter transaction fee (Bank@PostTM) | Fee details $2.50 |
Featured offers
Explore these limited time offers with MyCard Rewards.
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.
MyCard Rewards Program
Make every spend rewarding with the MyCard Rewards Program.
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 Reward Points to one of our loyalty partner programs including Flybuys and Velocity Frequent Flyer.
You might also like
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.
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.
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.
MyCard Simplicity
Enjoy no annual fee if you start your application before 1 October 2026. Minimum Credit Limit $2,000. Purchase Rate 22.49% p.a.
Annual Fee
$0
p.a.
A $49 Annual Fee will apply
for applications started
on or after 1 October 2026.
Things you should know
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. Fees, charges and earn rates (if applicable) are subject to change from 1 October 2026. If we make changes, these will be communicated in accordance with our terms & conditions. Please refer to the Target Market Determinations for our products. Credit cards issued by National Australia Bank Limited.