MyCard Premier Credit Card

• Age. You must be at least 18 years old to apply.
• Eligible balance transfer debt. If you plan to take advantage of the balance transfer offer, you can transfer from $500 up to 80% of your available credit limit from non-MyCard credit cards.

Required documents

• Personal information. You’ll need to provide your full name, age, address and contact details.
• Proof of identity. You'll need to confirm your identity with your Australian driver's licence, passport, Medicare card or birth certificate.
• Income. You’ll be asked to include tax forms or current pay slips to confirm your current income.
• Employment. This will include the name of your employer, your role and your employer's contact details.
• Balance transfer debt. If you're requesting a balance transfer, you'll need to provide details about the account/s and the amount you want to transfer.

• Rewards program. You'll earn 2 points per $1 on eligible purchases made online in Australia or overseas, 2 points per $1 for eligible international spending and 1 point per $1 all other eligible spending in Australia. This means you'll earn points for most of your purchases, with an annual points cap of 200,000 points. But you won't earn points for transactions including cash advances, balance transfers, BPAY payments, transactions made when you're operating a business and government charges (including payments to the Australian Taxation Office).
• Complimentary Priority Pass Membership and 2 airport lounge visits per year. This card offers complimentary Priority Pass standard membership, with 2 airport lounge visits per year. Priority Pass gives you access to over 1,800 airport lounges worldwide. Within Australia, the Priority Pass is currently available at Adelaide, Canberra, Perth, Brisbane International Airports, Sydney Kingsford Smith, Gold Coast Coolangatta, Townsville and Melbourne. Learn more about the terms and conditions.
• Complimentary travel insurance. Use your MyCard Premier credit card to pay for eligible travel bookings and you can save on insurance costs with complimentary international travel insurance and domestic travel insurance. As with any insurance policy, make sure you read the terms and conditions (available via Citi) for full details so you can decide if it will give you enough cover for your travel plans.
• Purchase insurances. Items bought with your MyCard Premier credit card are also protected by a complimentary purchase protection insurance and extended warranty insurance.
• Complimentary mobile phone insurance. If you use your MyCard Premier card to pay for your phone on a contract, you can get cover for your eligible mobile phone or smartphone from accidental damage and theft for up to $1,000 per claim (up to $1,650 per year).
• Luxury Escapes discount. Until 1 March 2026, you can get up to 15% off (up to $250) on Limited Time LUX Exclusive hotel offers and 10% off on international tours when you pay with your MyCard credit card through the Luxury Escapes website or app.
• 10% off selected hotels with Expedia or Wotif. You'll get a 10% discount on selected hotels booked through Expedia and Wotif when you pay with your MyCard credit card before 31 January 2027 and stay before 30 June 2027.
• Mastercard benefits. With Mastercard Priceless Cities, you'll get access to exclusive entertainment, dining, travel and other lifestyle experiences in more than 40 cities around the world.
• Mobile payment technology. With the Google Pay, Samsung Pay and Apple Pay smartphone apps, you can now easily make payments by tapping your phone or smart device at the contactless terminal.

• Interest-free days. The MyCard Premier credit card offers up to 44 days interest-free on purchases, when you pay the balance in full by the due date on each statement.
• Foreign transaction fees. If you use your MyCard Premier Card to make a foreign transaction, the standard 3.5% international transaction fee will apply.
• Additional cardholders. You can get up to 4 additional cardholders over the age of 16 for no extra cost. Note that you'll be responsible for managing the account and all charges that are added to it.