Enjoy up to 15% off eligible Luxury Escapes hotels. Discount cap applies.
Effective 1 October 2026, MyCard Prestige will become MyCard Premier.
Learn more about these changes.
MyCard Prestige
Applications for a new MyCard Prestige Credit Card are no longer available.
Explore the features, benefits and rewards available on your existing MyCard Prestige.
MyCard Reward Points
Earn MyCard Reward Points for every $1 spent on Eligible Transactions
| Spend type | Number of Points | Spend Eligibility |
|---|---|---|
Spend type International Spend | Number of Points 3 Points | Spend Eligibility on Eligible Transactions made overseas or online with a merchant that is based overseas. |
Spend type Domestic Spend | Number of Points 3 Points | Spend Eligibility on Eligible Transactions made directly with major: airlines, hotel chains and restaurants in Australia. |
Spend type Domestic Spend | Number of Points 2 Points | Spend Eligibility on Eligible Transactions made directly with major: supermarkets, petrol outlets and national retailers. |
Spend type Domestic Spend | Number of Points 1 Point | Spend Eligibility on all other Eligible Transactions. |
Benefits
Explore the benefits that come with MyCard Prestige
15 airport lounge visits with Priority PassTM
Benefit ends 10 January 2027.
Enjoy complimentary Priority Pass™ Membership with 15 lounge visits shared between you and any accompanying guests over a 12-month period to over 1,700 airport lounges worldwide with Priority Pass.
From 11 January 2027, your Priority Pass benefit will change from 15 complimentary lounge visits to 2 complimentary lounge visits per membership year for the primary cardholder under the MyCard Premier Priority Pass benefit terms and conditions.
4th Night on Us
Benefit ends 31 December 2026.
New bookings made from 1 October 2026 must be for stays that are completed by 31 December 2026.
Book four consecutive nights with Luxury Escapes hotels and receive a credit back for one night (up to $1,000 credit per booking, four times per calendar year.
Uber Premier $100 Cashback
Benefit ends 31 December 2026.
Spend $100 or more on Uber Premier (or other available ride options) in one transaction by 31 December 2026 to receive $100 cashback.
Complimentary Travel Insurance
Access to Complimentary international and domestic travel insurance.
Complimentary Mobile Phone Insurance
Pay your monthly postpaid plan bill with your MyCard Prestige card and you'll be covered for Accidental Damage and Theft.
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
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.) $700 |
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.) $0 |
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 $20,000, 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 |
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.
Featured offers
Up to 15% off Luxury Escapes
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.
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.