MyCard credit cards: compare offers

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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

Purchase rate p.a.	Bonus points	Points per $ spent	Interest-free period	Balance transfer rate p.a.	Annual fee
MyCard Prestige - Velocity Points Offer MyCard Rewards	Purchase rate p.a. 22.49%	Bonus points 200,000	Points per $ spent 1	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 $700	Get 15 airport lounge passes, complimentary 4th night on Us hotel benefit and $100 Uber Premier cashback.	View details Compare product selectionCompare	loading
MyCard Prestige Qantas Qantas Frequent Flyer	Purchase rate p.a. 22.49%	Bonus points 125,000	Points per $ spent 0.5	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 $749	Get access to 15 airport lounge visits per year, complimentary 4th Night on Us hotel benefit and complimentary mobile phone insurance.	View details Compare product selectionCompare	loading
MyCard Rewards - Purchase and Balance Transfer Offer MyCard Rewards	Purchase rate p.a. 0% for 15 months, then 22.49%	Bonus points N/A	Points per $ spent 1	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 $199	Get up to 15% hotel discounts and complimentary mobile phone insurance.	View details Compare product selectionCompare	loading
MyCard Clear - Balance Transfer Offer	Purchase rate p.a. 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. 5.99% for 36 months with 0% balance transfer fee, then 22.24%	Annual fee $149	Up to 15% off hotel discounts and complimentary insurance coverage for mobile phones and purchases.	View details Compare product selectionCompare	loading
MyCard Premier - Velocity Points Offer MyCard Rewards	Purchase rate p.a. 22.49%	Bonus points 110,000	Points per $ spent 1	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	Get up to 15% off select hotels, 2 Priority Pass lounge visits per year and complimentary mobile phone insurance.	View details Compare product selectionCompare	loading
MyCard Prestige MyCard Rewards	Purchase rate p.a. 22.49%	Bonus points 250,000	Points per $ spent 1	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 $700	Offers 15 Priority Pass airport lounge visits per year, complimentary 4th night on us with Luxury Escapes and $100 Uber Premier cashback.	View details Compare product selectionCompare	loading
MyCard Premier MyCard Rewards	Purchase rate p.a. 22.49%	Bonus points 150,000	Points per $ spent 1	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	Get complimentary Priority Pass Standard membership with 2 airport lounge visits per year, plus complimentary mobile phone insurance.	View details Compare product selectionCompare	loading
MyCard Premier Qantas MyCard Rewards	Purchase rate p.a. 22.49%	Bonus points 100,000	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	Offer complimentary digital Priority Pass Standard Membership, including two airport lounge visits per year, plus complimentary mobile phone insurance.	View details Compare product selectionCompare	loading
MyCard Simplicity	Purchase rate p.a. 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 $0	Get up to 15% off select hotel bookings and access complimentary purchase protection insurance on eligible purchases.	View details Compare product selectionCompare	loading
MyCard Clear	Purchase rate p.a. 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.	View details Compare product selectionCompare	loading
MyCard Rewards - Bonus Points Offer MyCard Rewards	Purchase rate p.a. 22.49%	Bonus points 100,000	Points per $ spent 1	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 $199	Get up to 15% hotel discounts and complimentary insurance coverage for mobile phones and eligible purchases.	View details Compare product selectionCompare	loading
MyCard Rewards - Velocity Points Offer MyCard Rewards	Purchase rate p.a. 22.49%	Bonus points 90,000	Points per $ spent 1	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 $199	Up to 15% off select hotels plus complimentary insurance for mobile phones and eligible purchases.	View details Compare product selectionCompare	loading

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Benefits of using a MyCard credit card

MyCard has 7 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 has 2 credit cards that let you earn Qantas Points. They are the MyCard Premier Qantas and the MyCard Prestige Qantas.

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 3 MyCard rewards credit cards that let you earn MyCard Reward Points: the Rewards, Premier and Prestige 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

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Written by

Richard Whitten

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

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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.

Key takeaways

Comparison of MyCard credit cards

Benefits of using a MyCard credit card

App access

Special offers

Instalment plans

Frequent flyer options

MyCard Rewards

How to apply for a MyCard credit card

Sources

Richard Whitten

Get rewarded $$ for switching with Finder Rewards

Read more on this topic

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.

Key takeaways

Comparison of MyCard credit cards

Benefits of using a MyCard credit card

App access

Special offers

Instalment plans

Frequent flyer options

MyCard Rewards

How to apply for a MyCard credit card

Sources

Richard Whitten

Get rewarded $$ for switching with Finder Rewards

Read more on this topic

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