MyCard Rewards
Offer Details
Signup Bonus
100,000 points
MyCard
Minimum Spend
$5,000
within 3 months
Ongoing Earn Rate
1.00x points per $1 spent
Fees
First Year Annual Fee
$199
Ongoing Annual Fee
$199
From year 2 onwards
Note: Additional fees may apply for cash advances, foreign transactions, overlimits, and late payments. Check the issuer's terms and conditions for complete fee details.
Benefits
- Points Transfer Benefits
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Earn MyCard Reward Points (1 point per $1; domestic spend capped at $10,000 per statement period, international spend uncapped) redeemable as Pay with Points, gift cards, or transferred to loyalty partners including Flybuys and Velocity Frequent Flyer
- Hotel Benefits
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Up to 15% off eligible Luxury Escapes hotels (max discount $250 per transaction), 10% off selected Expedia hotels, and 10% off selected Wotif hotels when booked and paid with the card
- Installment Plans
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MyCard Instalment Plan lets cardholders pay back large credit card expenses in monthly instalments using part of their existing credit limit, subject to eligibility
- Balance Transfer Offers
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0% p.a. for 12 months on balance transfers (3% balance transfer fee), reverting to the 22.99% p.a. cash advance rate after the promotional period
- Interest Free Periods
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Up to 44 interest-free days on retail purchases
- Purchase Protection Insurance
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Eligible items charged in full to the card account are covered against theft, accidental damage or permanent loss for 90 days; up to the purchase price (jewellery, watches and new works of art limited to $5,000 per claim), max $200,000 per card account per 12 months
- Extended Warranty Insurance
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Extends the manufacturer's Australian warranty by up to one year on eligible items charged in full to the card account (no cover where the manufacturer's warranty exceeds five years); up to $10,000 per item, max $40,000 per card account per 12 months
- Mobile Phone Insurance
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Covers accidental damage or theft of the mobile phone when the prior month's postpaid mobile plan bill is paid in full with the card; up to $1,000 per occurrence, $1,650 annual aggregate, $50 excess
Benefit history
- Purchase Protection InsuranceUpdated May 2026
- Extended Warranty InsuranceUpdated May 2026
- Mobile Phone InsuranceUpdated May 2026
- Installment PlansUpdated May 2026
- Balance Transfer OffersUpdated May 2026
- Interest Free PeriodsUpdated May 2026
- Hotel BenefitsUpdated May 2026
- Points Transfer BenefitsUpdated May 2026
I'd like to use my bonus for:
Craig's AnalysisBonus Difficulty
Moderate
●●○$56 per day required
First Year Cost
$199
annual fee
Earn Rate
Average
●●○○1.00x MyCard points per $1
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Can I get this bonus if I've had a card from MyCard before?
MyCard has no exclusion period, so a previous MyCard card won't stop you earning this bonus.
See exclusion periods for every Australian issuer →