MyCard Rewards Credit Card – Purchase and Balance Transfer Offer

• 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.
• Minimum age. You must be at least 18 years of age to apply for a credit card in Australia.

Required documents

• Personal information. Personal details such as your full name and contact details including your email address, home address and phone number.
• Employment. Information about your job including your role and employer's contact details. You may also need to submit a letter from your employer declaring your income.
• Financial details. You'll be asked to provide information about your income, liabilities and expenses.
• 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.

• MyCard Rewards. With this card, you'll earn 1 MyCard reward Point per $1 on eligible spending in Australia and overseas. Points are capped at $10,000 spending per statement period for domestic transactions, but uncapped for international spend. You can redeem these points for rewards including gift cards, statement credits, charity donations, travel, frequent flyer point transfers and more through the MyCard Rewards program.
• Complimentary mobile phone insurance. If you use your MyCard Rewards 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).
• Complimentary international travel insurance. You can travel with peace of mind and save on necessary costs with complimentary international travel insurance. If you use your card to purchase your overseas travel ticket, you'll be covered for up to 6 months for medical, unexpected expenses, trip cancellation, and personal loss/liability. This insurance also covers your spouse or any dependent children travelling with you. See the terms and conditions for more details regarding the eligibility requirements, exclusions and claims process.
• 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.
• Balance transfer offer. You can consolidate existing debts with a 0% p.a. interest rate for the first 15 months, with a one-time 2% balance transfer fee when you apply online, request the balance transfer and get approved for this card. Any unpaid balance after the promotional period ends will be charged at the variable cash advance rate, currently 22.99% p.a.
• Mobile payments. You can add your MyCard card to Apple Pay, Google Pay and Samsung Pay to make payments straight from your mobile devices.

• Cash advance interest rate. If you use your card to make a cash advance (such as an ATM withdrawal), you'll immediately attract the 22.99% p.a. interest rate.
• Cash advance fee. A fee worth 3.5% of the transaction amount or $3.50 (whichever is higher) is charged for cash advance transactions in Australia. A $5 fee applies to overseas cash advances.
• Foreign transaction fee. When you make a purchase overseas or online with an international retailer, you will be charged a fee of 3.5% of the transaction amount.