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.

Comparison of MyCard credit cards

Updated regularly
Purchase rate p.a. Bonus points Points per $ spent Interest-free period Balance transfer rate p.a. Annual fee
MyCard Prestige Qantas image
MyCard Prestige Qantas
Qantas Frequent Flyer
Purchase rate p.a.
22.49%
Bonus points
N/A
Points per $ spent
0.5
Interest-free period
Up to 44 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$749
Offers 15 airport lounge visits per year, 4th Night on Us with Luxury Escapes, Uber Premier $100 cashback, and more.
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MyCard Prestige image
MyCard Prestige
MyCard Rewards
Purchase rate p.a.
22.49%
Bonus points
N/A
Points per $ spent
1
Interest-free period
Up to 44 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$700
Enjoy 15 free airport lounge visits per year with Priority Pass, complimentary travel insurance and discounts at selected hotel partners.
More info
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MyCard Premier image
MyCard Premier
MyCard Rewards
Purchase rate p.a.
22.49%
Bonus points
N/A
Points per $ spent
1
Interest-free period
Up to 44 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$300
Offers two complimentary airport lounge visits with Priority Pass, hotel perks and travel insurance coverage.
More info
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MyCard Premier Qantas image
MyCard Premier Qantas
MyCard Rewards
Purchase rate p.a.
22.49%
Bonus points
N/A
Points per $ spent
0.5
Interest-free period
Up to 44 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$350
Get access to airport lounge passes, complimentary insurances on travel and mobile phones, plus a personal concierge service.
More info
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MyCard Simplicity image
MyCard Simplicity
Purchase rate p.a.
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.
N/A
Annual fee
$0
This no-frills credit card offers no late payment fees with discounts available at select hotels and access to complimentary insurances.
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MyCard Clear image
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.
N/A
Annual fee
$149
A low rate card offering up to 15% off Luxury Escapes (up to $250) and insurance covers on purchases and mobile phones.
More info
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MyCard Rewards image
MyCard Rewards
MyCard Rewards
Purchase rate p.a.
22.49%
Bonus points
N/A
Points per $ spent
1
Interest-free period
Up to 44 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$199
More info
Compare product selection
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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

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 688 Finder guides across topics including:
  • Home loans
  • Credit cards
  • Personal finance
  • Money-saving tips
More resources on Finder

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Read more on this topic

  • MyCard Clear Credit Card

    The MyCard Clear Credit Card offers a low ongoing purchase rate, a $149 annual fee and complimentary insurance cover. Compare and apply here.
  • MyCard Rewards Credit Card

    With plenty of choices for rewards and complimentary insurance, is the MyCard Rewards Card right for you?
  • MyCard Prestige Qantas Credit Card

    This premium card offers uncapped earn rates and 15 complimentary airport lounge access through Priority Pass, with a high annual fee.
  • MyCard Prestige Credit Card

    4th night free at select hotels, airport lounge access and travel insurance are just some of the premium benefits you can enjoy with the MyCard Prestige card.
  • MyCard Simplicity Card

    This no-frills card from MyCard has no late fees, no annual fee and complimentary insurances.
  • MyCard Premier Credit Card

    The MyCard Premier credit card includes complimentary lounge passes, hotel discounts and more. Get the details here.
  • MyCard Premier Qantas Credit Card

    The MyCard Premier Qantas card offers airport lounge access, international travel insurance and a $350 annual fee. Get the lowdown here.
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