Enjoy 15% off international hotels and 10% off hotels in Australia when you book a ‘Limited Time LUX Exclusive’ hotel offer.
Promo Code MYLUXPROMO (up to $250 discount per booking).
Offer ends 1 March 2027.
We're aware of scam emails being sent that impersonate MyCard asking customers to verify their account details to restore full access to their account. Do not click the link or provide any information.
- The email will say that we reached out regarding a manual verification required for your account and that we have temporarily limited certain card features. They will provide a link for you to click to restore the features by completing a verification process.
- Do not reply to the message, click the link or copy the URL into your browser and block the sender immediately.
If you have received this type of email or text message, please report it via email as an attachment to: phish@mycard.com.au. If you have provided information, contact us on 13 24 84 or +61 2 8225 0615 if you are overseas immediately.
MyCard Rewards Points
Earn MyCard Rewards Points for every $1 spent on Eligible Transactions
| Spend type | Number of Points | Points Capping |
|---|---|---|
Spend type Domestic Spend | Number of Points 1.25 Points per whole $1 | Points Capping Uncapped |
Spend type International Spend (on Eligible Transactions made overseas) | Number of Points 2.5 Points per whole $1 | Points Capping Uncapped |
Benefits
Explore the benefits that come with MyCard Platinum
Complimentary Purchase Protection Insurance
Access purchase protection insurance on eligible purchases.
Complimentary Extended Warranty Insurance
Access extended warranty insurance on eligible purchases.
Complimentary Mobile Phone Insurance
Pay your monthly postpaid plan bill with your MyCard Platinum card and you'll be covered for Accidental Damage and Theft.
MyCard Rewards Program
Earn MyCard Rewards Points on eligible everyday purchases and redeem them your way. From Pay with Points, Giftcards, Points Transfer options and more.
Personal concierge service
Get recommendations and make reservations with Visa Concierge. Call or chat with the concierge any time of the day for immediate assistance.
Rates and fees
Interest rates and fees
These are our standard interest rates and fees for the MyCard Platinum 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.) $129 |
Fee type Retail purchase rate | Rate (p.a.) 20.99% |
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.) 21.99% |
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 Platinum credit card.
| 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 $6,000, 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 |
Fee type Paper statement fee | Fee details $0 |
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 |
Limited time offers
Explore these limited time offers with MyCard Platinum.
Up to 15% off Luxury Escapes
10% off selected Expedia hotels
Save on your next getaway with 10% off selected hotels on Expedia.
- Click on the unique booking link for Expedia
- Select a hotel that displays Coupon eligible, reserve and select Pay now
- Enter code EXP10TRVL for Expedia at checkout.
Book by 31 January 2027, stay by 30 June 2027.
10% off selected Wotif hotels
Explore Australia and beyond with 10% off selected hotels on Wotif.
- Click on the unique booking link for Wotif
- Select a hotel that displays Coupon eligible, reserve and select Pay now
- Enter code WOT10TRVL at checkout.
Book by 31 January 2027, stay by 30 June 2027.
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.
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.