MYER one rewards program

Earn rewards for spending at Myer with the MYER one rewards program.

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MYER one is a loyalty program that can prove rewarding if you regularly shop at Myer department stores and with its affiliate partners. Members of the program are issued a MYER one card that allows you to earn up to 2 shopping credits for each $1 spent at Myer (in-store or online).

For every 2,000 points you earn, you’ll receive a $20 Reward Card you can use at the department store. Myer issues these on a quarterly basis, so the more points you earn, the more $20 Reward Cards you can get.

Myer also offers the Myer Credit Card, which you can use to earn additional shopping credits. This guide outlines the key details of the MYER one rewards program and the credit card options.

How do MYER one credit cards work?

MYER one credit cards allow you to maximise the points you get through the rewards program. Each card has different features to consider:

  • Myer Card. This is a store card that allows you to pay for purchases at Myer and earn a bonus point for every $1 spent. This allows you to earn 2 shopping credits per $1 spent through MYER one.
  • Myer Credit Card. The credit card allows you to earn MYER one shopping credits on eligible everyday transactions. When presented together with your MYER one card, you earn 3 shopping credits per $1 spent at Myer stores, up to 3 shopping credits per $1 spent at Myer affiliate partners, and 1 shopping credit per $1 spent when shopping anywhere else. When you have earned enough points, you will automatically receive a MYER one Reward Card loaded with funds you can spend in-store.

To earn maximum points at Myer and Myer affiliates, you’ll need to present both your Myer credit card and your MYER one card when making payment. Some transactions, such as gift card purchases, lay-by, credit card payments and spending at some food and service outlets, are not eligible for points.

How do I use a MYER one Reward Card?

If you’re shopping in-store at Myer and want to use a MYER one Reward Card, simply let the sales member know before you make a payment. They’ll instruct you to swipe or scan your Reward Card and then enter the access code into the pin pad. If you’re shopping online, you’ll be required to provide details of the Reward Card when making your payment. Here are some other key details to note about the reward process:

  • A minimum of 2,000 points is required for a $20 reward card.
  • Reward cards are automatically sent out on a quarterly basis.
  • MYER one Reward Cards are valid for two years from the date they are issued.
  • Reward Cards are valid for use at Myer department stores and online at
  • Reward Cards come with an access code for security purposes.
  • MYER one Reward Cards cannot be redeemed or exchanged for cash or gift cards.
  • Any shopping credits short of 2,000 that are not redeemed in a quarter will be carried over, but have a lifespan of two years.

What are the levels of membership?Woman holding shopping bags and a credit card

Depending on how much you spend at Myer in one year, your membership level changes accordingly:

  • MYER one members spent up to $1,499.99 in a Membership Year.
  • Silver MYER one members have spent between $1,500 and $5,999.99 in a Membership Year.
  • Gold MYER one members have spent more than $6,000 in a Membership Year.
  • Platinum MYER one Members are by invitation only.

How to compare MYER one credit cards

It is always important to compare credit cards before applying for the one that best matches your current needs and circumstances. These key factors will help guide your decision:

  • Points per dollar. The earn rate of a rewards credit card determines how fast you will earn points and get rewarded for your expenditure. All else equal, the card with a higher earn rate will prove more rewarding over time.
  • Point cap. The Myer Credit Card caps points earned on expenditure outside Myer and its affiliates to $2,000 a month, which may not be beneficial if you spend a lot more than that. If so, you might wish to consider a rewards card with no points cap.
  • Points expiry. MYER one points expire two years after they are issued if they have not been converted into a MYER one Reward Card.
  • Bonus point offers. Many rewards credit cards offer bonus points upon sign-up, which can mean a large amount of free points that you can instantly redeem for rewards. Since Myer cards don’t offer bonus points for new customers, this might also factor into your decision.
  • Annual fee. The card’s annual fee is a common consideration, since this represents the main cost of using a card. Comparing this to the value of your derived benefits can help you ascertain if a card is worthwhile. For example, while the Myer Card has a lower annual fee than the Myer Credit Card, it won’t allow you to earn points for spending outside of the department store.
  • Additional cardholders. Additional cardholders can help you earn more rewards, but may also increase costs. For instance, the annual fee for each additional cardholder on your Myer Visa Card is $9.
  • Promotional interest rates. Some cards offer promotional interest rates for an introductory period, which allows you to save money on interest charges when you first get a card. Currently neither of the Myer cards offers promotional rates.
  • Ongoing interest rates. If you carry a balance on your credit card, you’ll be charged interest. Standard or ongoing interest rates can add to the overall cost of your card and may outweigh the benefits of your rewards.
  • Interest-free days. Interest-free days can help improve cash flow since they give you more time to repay your balance without incurring interest fees. With Myer cards, you enjoy up to 55 interest-free days on eligible purchases, which is a week longer than the more common 55 interest-free days.
  • Complimentary extras. Some common complimentary extras on credit cards include free insurance covers on travel and card purchases, concierge services and other travel perks like airport lounge access and limousine services. With the Myer credit card, you can pay for optional Shopper’s Protection to enjoy insurance coverage on your card purchases. However, if you’re looking for the other travel freebies, a frequent flyer credit card may be a more optimal choice.
  • Affiliate partners. You can also earn shopping credits when you present your MYER one card at partnered retailers such as helloworld, magsonline, Caltex and Starmart, Hertz, IGA and Supa IGA, OFX, Europcar, Air New Zealand and Wilsons Parking. If you regularly shop with any of these partners, this is another way you can maximise your points.

Compare frequent flyer credit cards here

Mistakes to avoid with a MYER one credit card

When using a MYER one credit card, these are some common pitfalls to avoid:

  • Overspending. Credit card debt is often the direct result of overspending. With so much available credit and the prospect of earning more points, the onus rests on you to practice self-control and financial prudence.
  • Carrying a balance. Carrying a balance is another way to end up in debt, since it generates interest fees that further compound the burden of repayments. Where possible, practice making full, punctual repayments to stay on top of your credit accounts.
  • Not considering the standard features. Certain features of a new credit card may be merely promotional and expire after the introductory period ends. Neglecting to consider a card’s revert rate and standard fees could result in some trouble down the road.
  • Making new purchases when you have transferred a balance. Performing a balance transfer typically means that your credit card now carries an outstanding balance. For most cards, this makes you ineligible to enjoy interest-free days on purchases. If you make any new purchases on the card, you’ll be charged interest fees on these purchases immediately, which can result in undesirable and expensive interest payments.
  • Making cash advance transactions. Making cash advances on any credit card translates into cash advance fees and the immediate accrual of high cash-advance interest fees. You shouldn’t use your credit card to withdraw money or to buy cash equivalents like gift cards and shopping vouchers, prepaid cards or foreign currencies. Some bills and government payments, as well as gambling transactions, also constitute cash advances.

What is defined as a cash advance?

How to apply for a MYER one reward credit card

To apply for a MYER one reward credit card, follow these suggested steps:

  1. Make thorough comparisons. Read the finder credit card reviews and compare different credit cards. Then weigh up the pros and cons of several competing cards before settling on one that most closely matches your needs.
  2. Read through the terms and conditions. Make sure you read all the fine print and understand all of the terms, conditions and details of your chosen card.
  3. Apply online. When you’re ready, simply head to the Myer card page and click “Apply now”. The online application should take 10-15 minutes to complete.
  4. Fill out the online application form. You will need to provide personal details including your name and contact details, address and driver’s licence number. You will also be asked to provide financial details including employment, income and expenses.
  5. Submit the application. Once you’ve completed the application and submitted it, you will receive a confirmation within a minute, either on the webpage or via email. You will then be given instructions to continue the application process by submitting documentation or providing further information if necessary.

In general, the MYER one rewards program can be a good option for loyal Myer customers and frequent shoppers. As a shopping companion, the Myer Credit Card can also prove very rewarding if your average monthly expenditure is less than $2,000 outside of Myer stores and its affiliates. To decide if it’s the most suitable program for you, compare other card options and weigh up potential costs before choosing the one that will suit your needs.

For more information visit the official MYER site.

Picture: Shutterstock

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8 Responses

  1. Default Gravatar
    JanetFebruary 18, 2019

    I would like to use my Myer One Rewards Card online. I am unsure which number to use in the “Access Code” as when I type in the reward code number it keeps being rejected and says that it is “invalid”.
    Any advice, please.

    • Avatarfinder Customer Care
      JoshuaFebruary 21, 2019Staff

      Hi Janet,

      Thanks for getting in touch with Finder. I hope all is well with you. :)

      I’m sorry to hear about the problem you are having. Upon checking, you can find the access code of your card printed on your card. It is a 4-digit code. Usually, this is printed at the back of your card.

      If it doesn’t work, please get in touch with Myer One to obtain a more personalized answer.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


  2. Default Gravatar
    MarionNovember 12, 2018

    How do I find out who Myer affiliate partners are?

    • Avatarfinder Customer Care
      NikkiNovember 12, 2018Staff

      Hi Marion,

      Thanks for getting in touch! You can find the MYER affiliate partners on the MYER ONE Partner affiliates website.
      Hope this was helpful. Don’t hesitate to message us back if you have more questions.


  3. Default Gravatar
    JoannaJuly 27, 2018

    Hi, I purchased from Myers since June till July. How can I key in my points into my new Myer One loyalty account?

    Kindly advise.

    • Default Gravatar
      JoelJuly 27, 2018

      Hi Joanna,

      Thanks for leaving a question on finder.

      If you are using your Myer One credit card to make purchases from June until July, the points will automatically accrue and you can simply check your balance by logging into your membership at or via the MYER one App. If you are looking to add points from past purchases to a new card, unfortunately that is not possible.


  4. Default Gravatar
    PamelaMay 25, 2017

    I have had a Myer One caard for many years and have never received

    • Avatarfinder Customer Care
      JhezMay 29, 2017Staff

      Hi Pamela,

      Thank you for contacting

      May I confirm if you meant not receiving points for MYER one credit card or reward card? Please note that the reward process of the two cards differ in some ways. Basically, if you regularly shop at Myer department stores and with its affiliate partners, you would earn points. You can find the details above on how the MYER one credit card and rewards card work to be able to earn points.

      In case you would need assistance in checking if you already have accummulated points, please contact MYER One customer service team directly.

      I hope this information has helped you in any way.


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