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.
What is MyCard Ready Credit?
MyCard Ready Credit is an account that allows you to access funds when you need them. Existing customers can borrow from $5,000 to $75,000.
What can I use MyCard Ready Credit for?
MyCard Ready Credit is very flexible and can be used for a range of purposes to suit your lifestyle, for example:
- Buying a Car
- Holiday expenses such as flights and accommodation
- Home renovations
- A milestone celebration
- Unexpected expenses such as a vet or medical bill
How do I make my repayments?
If you’re an existing customer, it’s important to ensure your minimum payments are made on time, each month.
- Autopay (Direct Debit)
- Australia Post
- BPAY
Learn more about how to make MyCard Ready Credit repayments on our paying your MyCard account page.
Rates and fees
Here are the standard rates and some of the fees that apply to MyCard Ready Credit.
| Fee type | MyCard Ready Credit |
|---|---|
Fee type Annual Percentage Rate (APR) | MyCard Ready Credit 22.49% p.a. |
Fee type Cash advance fee | MyCard Ready Credit $0 |
Fee type Early pay out fee | MyCard Ready Credit $0 |
Fee type Additional repayment fee | MyCard Ready Credit $0 |
Fee type Minimum loan amount | MyCard Ready Credit $5,000 |
Fee type Maximum loan amount | MyCard Ready Credit $75,000 |
Things you should know
Important information
Fees and charges
Read our App and Online Terms of Use. Read our Credit Card Terms and Conditions and Other Important information for more information on MyCard Ready Credit. Please refer to credit card fees and charges for more information on fees. Fees and charges are subject to change, correct as at today.