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.
MyCard Premier
Elevate every moment with rewards and travel benefits.
At a glance
Make the most of every moment with MyCard Premier and enjoy access to a range of rewards and travel benefits to make your next adventure more enjoyable.
This card has a Minimum Credit Limit $10,000.
Annual fee
Retail purchase rate
Cash advance rate
Earn MyCard Reward Points for every $1 spent on Eligible Transactions
| International Spend | 2 Points | on Eligible Transactions made overseas or online with a merchant that is based overseas. |
|---|---|---|
International Spend Online Spend | 2 Points 2 Points | on Eligible Transactions made overseas or online with a merchant that is based overseas. on Eligible Transactions made online. |
International Spend Domestic Spend | 2 Points 1 Point | on Eligible Transactions made overseas or online with a merchant that is based overseas. on all other Eligible Transactions. |
MyCard Reward Points are capped at 200,000 per 12 month period when you use your MyCard Premier Credit Card on Eligible Transactions on Online Spend, International Spend and Domestic Spend.
What you get
Things to consider
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Higher retail purchase rate than our MyCard Clear credit card.
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Does not earn Qantas Points, see MyCard Premier Qantas, if you’re looking for Qantas Points.
Benefits
Explore the benefits that come with MyCard Premier
Two airport lounge passes with Priority PassTM
Receive 2 complimentary lounge access passes to 1,700 airport lounges worldwide for you and a guest with Priority Pass.
Complimentary Travel Insurance
Access to Complimentary international and domestic travel insurance.
Complimentary Mobile Phone Insurance
Pay your monthly postpaid plan bill with your MyCard Premier card and you'll be covered for Accidental Damage and Theft.
Complimentary Purchase Protection Insurance
Access purchase protection insurance on eligible purchases.
Complimentary Extended Warranty Insurance
Access extended warranty insurance on eligible purchases.
MyCard Rewards Program
Earn MyCard Reward Points on eligible everyday purchases and redeem them your way. From Pay with Points, Giftcards, Points Transfer options and more.
Rates and fees
Interest rates and fees
These are our standard interest rates and fees for the MyCard Premier credit card. 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.) $300 |
Fee type Retail purchase rate | Rate (p.a.) 22.49% p.a. |
Fee type Cash advance rate Or pay off eligible purchases at an interest rate over a set term with a MyCard Instalment Plan. | Rate (p.a.) 22.99% p.a. |
Fee type Additional cardholder fee You may have up to four additional cardholders, who must be at least 16 years old. | Rate (p.a.) $0 |
Other rates and fees
These are some other rates and fee information including credit limits and interest free days for the MyCard Premier credit card.
Interest-free period On retail purchases (unless you have a balance transfer) | Up to 44 days |
|---|---|
Interest-free period On retail purchases (unless you have a balance transfer) Credit limit Credit limit changes are subject to credit assessment criteria. | Up to 44 days Your minimum credit limit is $10,000, your maximum is $100,000. |
Interest-free period On retail purchases (unless you have a balance transfer) Late payment fee | Up to 44 days $30 |
Interest-free period On retail purchases (unless you have a balance transfer) Domestic cash advance fee Minimum charge $3.50. | Up to 44 days 3.5% of transaction amount |
Interest-free period On retail purchases (unless you have a balance transfer) International cash advance fee | Up to 44 days $5 |
Interest-free period On retail purchases (unless you have a balance transfer) Paper statement fee | Up to 44 days $2 per month |
Interest-free period On retail purchases (unless you have a balance transfer) International transaction fee | Up to 44 days 3.5% of transaction amount |
Interest-free period On retail purchases (unless you have a balance transfer) Over-the-counter transaction fee (Bank@PostTM) | Up to 44 days $2.50 |
Limited time offers
Explore these limited time offers with MyCard Premier.
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 points to one of our loyalty partner programs including Flybuys and Velocity Frequent Flyer.
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Annual fee
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MyCard Prestige
Premium travel benefits with our highest Reward Points earning card. Minimum Credit Limit $20,000. Purchase Rate 22.49% p.a.
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MyCard Prestige Qantas
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Annual Fee
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. Credit cards issued by National Australia Bank Limited.