MyCard credit cards

MyCard is a credit card provider backed by NAB. MyCard offers a range of credit cards, including rewards and frequent flyer cards.

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Richard Whitten

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MyCard

Key takeaways

  • MyCard launched in November 2025. The brand is backed by NAB and formerly operated as Citi.
  • MyCard offers credit cards to suit most types of customers, from points-earning cards to low rate credit cards.
  • Existing Citi credit card customers have moved to MyCard. MyCard has an app and online platform for customers to manage their cards.

Comparison of MyCard credit cards

Checked 6 November 2026
Purchase rate p.a. Bonus points Points per $ spent Interest-free period Balance transfer rate p.a. Annual fee
MyCard Rewards - Purchase and Balance Transfer Offer image
MyCard Rewards - Purchase and Balance Transfer Offer
MyCard Rewards
0% for 15 months, then 22.49%
Bonus points
N/A
Points per $ spent
1.5
Interest-free period
Up to 44 days on purchases
Balance transfer rate p.a.
0% for 15 months
with 2% balance transfer fee, then 22.99%
Annual fee
$249
Get up to 15% hotel discounts and complimentary mobile phone insurance.
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MyCard Premier - Velocity Points Offer image
MyCard Premier - Velocity Points Offer
MyCard Rewards
22.49%
Bonus points
100,000
Points per $ spent
1.5
Interest-free period
Up to 44 days on purchases
Balance transfer rate p.a.
0% for 12 months
with 3% balance transfer fee, then 22.99%
Annual fee
$300
Earn 60,000 bonus Velocity Points when you spend $7,000 on eligible purchases in the first 90 days and an additional 40,000 points when you keep your card open for over 12 months. T&Cs apply.
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MyCard Premier image
MyCard Premier
MyCard Rewards
22.49%
Bonus points
150,000
Points per $ spent
1.5
Interest-free period
Up to 44 days on purchases
Balance transfer rate p.a.
0% for 6 months
with 0% balance transfer fee, then 22.99%
Annual fee
$300
Earn 120,000 bonus MyCard Reward Points when you spend $7,000 on eligible purchases in the first 90 days and an additional 30,000 points when you keep your card open for over 12 months. T&Cs apply.
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MyCard Premier Qantas image
MyCard Premier Qantas
Qantas Frequent Flyer
22.49%
Bonus points
80,000
Points per $ spent
0.5
Interest-free period
Up to 44 days on purchases
Balance transfer rate p.a.
0% for 12 months
with 3% balance transfer fee, then 22.99%
Annual fee
$350
Earn 40,000 bonus Qantas Points when you spend $7,000 on eligible purchases in the first 90 days and an additional 40,000 points when you keep your card open for over 12 months. T&Cs apply.
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MyCard Simplicity image
MyCard Simplicity
0% for 6 months, then 22.49%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 44 days on purchases
Balance transfer rate p.a.
0% for 6 months
with 0% balance transfer fee, then 22.99%
Annual fee
$49
Get up to 15% off select hotel bookings and access complimentary purchase protection insurance on eligible purchases.
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MyCard Clear image
MyCard Clear
14.99%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 44 days on purchases
Balance transfer rate p.a.
0% for 24 months
with 3% balance transfer fee, then 22.24%
Annual fee
$149
Offers up to 15% off select hotel bookings and complimentary insurance on mobile phones and eligible purchases.
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MyCard Rewards - Bonus Points Offer image
MyCard Rewards - Bonus Points Offer
MyCard Rewards
22.49%
Bonus points
100,000
Points per $ spent
1.5
Interest-free period
Up to 44 days on purchases
Balance transfer rate p.a.
0% for 12 months
with 3% balance transfer fee, then 22.99%
Annual fee
$249
Get 100,000 bonus MyCard Reward Points when you spend $5,000 on eligible purchases in the first 90 days. T&Cs apply.
View details
Compare product selection
MyCard Rewards - Velocity Points Offer image
MyCard Rewards - Velocity Points Offer
MyCard Rewards
22.49%
Bonus points
80,000
Points per $ spent
1.5
Interest-free period
Up to 44 days on purchases
Balance transfer rate p.a.
0% for 12 months
with 3% balance transfer fee, then 22.99%
Annual fee
$249
Up to 15% off select hotels plus complimentary insurance for mobile phones and eligible purchases.
View details
Compare product selection
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Benefits of using a MyCard credit card

MyCard has 5 credit cards, so it should offer something for most Australian credit card customers.

App access

MyCard customers can use the MyCard app or online platform to manage their MyCard credit cards.

Special offers

All MyCard credit cards offer a set of benefits, including limited time offers like discounts on hotel or travel booking via partner programs.

All cards come with complimentary purchase protection and extended warranty insurance.

Instalment plans

You can break up larger purchases into monthly instalments made with any MyCard credit card. There's no fee for doing so, you can get a lower interest rate with instalment plans and you can still get interest-free days on other purchases.

Frequent flyer options

MyCard lets you earn Qantas Points with the MyCard Premier Qantas card.

While MyCard doesn't have any cards that let you earn Velocity Points directly, you can transfer MyCard Reward Points to Velocity Points. Two MyCard cards earn MyCard Reward Points, and the Premier Qantas card earns Qantas Points instead.

MyCard Rewards

There are 2 MyCard rewards credit cards that let you earn MyCard Reward Points: the Rewards and the Premier cards.

You can use MyCard Rewards to do the following:

  • Pay with Points (via credit back).
  • Redeem gift cards from over 50 stores.
  • Transfer the Points to partner programs like Velocity Frequent Flyer and Flybuys.
  • Get credit on your card annual fee.
  • Get a cashback of $10 for every 4,000 points you earn.

How to apply for a MyCard credit card

You can apply for a MyCard credit card online through the MyCard website, or compare the current offers in the table above and apply from there.

Existing Citi customers can now access their cards via MyCard's website and app.

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Senior Money Editor
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Richard Whitten is Finder’s Senior Money Editor, with over eight years of experience in home loans, property, credit cards and personal finance. His insights appear in top media outlets like Yahoo Finance, Money Magazine, and the Herald Sun, and he frequently offers expert commentary on television and radio, helping Australians navigate mortgages and property ownership. Richard started his career in education and textbook publishing in South Korea. He holds multiple industry certifications, including a Certificate IV in Mortgage Broking (RG 206) and Tier 1 and Tier 2 certifications (RG 146), as well as a Bachelor of Education from the University of Sydney and a Graduate Certificate in Communications from Deakin University. See full bio

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Richard has written 764 Finder guides across topics including:
  • Home loans
  • Credit cards
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