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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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.

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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. There are 3 rewards credit cards that let you earn these points.

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

MyCard has just launched and is not currently accepting applications for new card customers. But that should change very soon.

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

Sources

Richard Whitten's headshot
Senior Money Editor

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

Richard's expertise
Richard has written 787 Finder guides across topics including:
  • Home loans
  • Credit cards
  • Personal finance
  • Money-saving tips
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