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Premium travel benefits with our highest points earning card.

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[ Resume saved application ](https://secure.mycard.com.au/apply/resume) 

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[ Choose an offer ](/credit-cards/prestige-card#chooseOffer) 

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## At a glance

Experience the freedom to go further and in style with MyCard Prestige.

Our highest Reward Points earning card with access to luxury travel experiences and premium benefits – it’s your life elevated.

This card has a Minimum Credit Limit $20,000.

 Annual Fee

$700 p.a. 

 Retail Purchase Rate

22.49 % p.a. 

 Cash Advance Rate

22.99 % p.a. 

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### What you get

* 15 airport lounge visits every year with Priority Pass [View Disclaimer 2](#disclaimer-2)
* 4 Night on Us with Luxury Escapes [View Disclaimer 3](#disclaimer-3)
* Uber Premier $100 cashback [View Disclaimer 4](#disclaimer-4)
* Complimentary Travel Insurance [View Disclaimer 5](#disclaimer-5)
* Complimentary Mobile Phone Insurance[View Disclaimer 6](#disclaimer-6)
* Personal concierge service [View Disclaimer 7](#disclaimer-7)

### Things to consider

* Higher annual fee than our other Rewards Cards. For a lower annual fee rewards card see our [MyCard Rewards](/credit-cards/rewards-card) or [MyCard Premier](/credit-cards/premier-card).
* Does not earn Qantas Points, see our [MyCard Prestige Qantas](/credit-cards/prestige-card-qantas), if you’re looking for Qantas Points.

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Earn MyCard Reward Points on eligible everyday purchases and redeem them your way. From Pay with Points, Giftcards, Points Transfer options and more.[View Disclaimer 8](#disclaimer-8)

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## Choose an offer that suits you

### 250,000 bonus MyCard Reward Points

Get 250,000 bonus MyCard Reward Points when you spend $10,000 on eligible purchases within 90 days from approval.[View Disclaimer 9](#disclaimer-9)

 Annual Fee

$700 p.a. 

 Purchase Interest Rate

22.49 % p.a. 

#### Included extras

* 0% p.a. for 6 months on Balance Transfers.[View Disclaimer 10](#disclaimer-10) Balance Transfer rate reverts to Cash Advance rate after the promotional period.

[ Apply for this offer ](https://secure.mycard.com.au/apply?pcode=mycard-prestige-card&utm%5Fcampaign=MXFAAA) 

### Up to 200,000 bonus Velocity Points via Autoredemption

Get 150,000 bonus Velocity Points with autoredemption when you spend $12,000 on eligible purchases within 90 days from approval and an additional 50,000 bonus Velocity Points when you keep your card open for over 12 months.[View Disclaimer 11](#disclaimer-11)

 Annual Fee

$700 p.a. 

 Purchase Interest Rate

22.49 % p.a. 

#### Included extras

* 0% p.a. for 12 months on Balance Transfers.[View Disclaimer 12](#disclaimer-12) 3% Balance Transfer Fee applies. Balance Transfer rate reverts to Cash Advance rate after the promotional period.

[ Apply for this offer ](https://secure.mycard.com.au/apply?pcode=mycard-prestige-card&utm%5Fcampaign=MAIAAA) 

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| Fee type                                                                                                                                                                                             | Rate (p.a.)            |
| ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ---------------------- |
| Fee typeAnnual fee                                                                                                                                                                                   | Rate (p.a.)$700        |
| Fee typeRetail purchase rate Or pay off eligible purchases at an interest rate over a set term with a [MyCard Instalment Plan](/credit-cards/instalment-plans). [View Disclaimer 13](#disclaimer-13) | Rate (p.a.)22.49% p.a. |
| Fee typeCash advance rate                                                                                                                                                                            | Rate (p.a.)22.99% p.a. |
| Fee typeAdditional cardholder fee You may have up to 4 existing additional cardholders on your account. Please note that we are not accepting new additional cardholders on accounts at this time.   | Rate (p.a.)$0          |

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| Fee type                                                                                  | Fee details                                                                |
| ----------------------------------------------------------------------------------------- | -------------------------------------------------------------------------- |
| Fee typeInterest-free period                                                              | Fee detailsUp to 44 days (On retail purchases)                             |
| Fee typeCredit limit Credit limit changes are subject to credit assessment criteria.      | Fee detailsYour minimum credit limit is $20,000, your maximum is $100,000. |
| Fee typeLate payment fee                                                                  | Fee details$30                                                             |
| Fee typeDomestic cash advance fee Minimum charge $3.50.                                   | Fee details3.5% of transaction amount                                      |
| Fee typeInternational cash advance fee                                                    | Fee details$5                                                              |
| Fee typePaper statement fee                                                               | Fee details$2 per month                                                    |
| Fee typeInternational transaction fee                                                     | Fee details3.5% of transaction amount                                      |
| Fee typeOver-the-counter transaction fee (Bank@Post) [View Disclaimer 14](#disclaimer-14) | Fee details$2.50                                                           |

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Redeem your Reward Points to receive a credit back on almost any purchase with Pay with Points.[View Disclaimer 15](#disclaimer-15)

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Enjoy up to 15% off eligible Luxury Escapes hotels. Discount cap applies.[View Disclaimer 16](#disclaimer-16)

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Save on your next getaway with 10% off selected hotels on Expedia.[View Disclaimer 17](#disclaimer-17)

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Explore Australia and beyond with 10% off selected hotels on Wotif.[View Disclaimer 17](#disclaimer-17)

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## You might also like

### MyCard Prestige Qantas

Our highest Qantas Points earning card with premium travel benefits. Minimum Credit Limit $20,000\. Purchase Rate 22.49% p.a.

 Annual Fee

$749 p.a. 

* Earn Qantas Points [View Disclaimer 18](#disclaimer-18)
* 4 Night on Us with Luxury Escapes [View Disclaimer 3](#disclaimer-3)
* 15 airport lounge visits every year with Priority Pass [View Disclaimer 2](#disclaimer-2)
* Complimentary Travel Insurance[View Disclaimer 5](#disclaimer-5) and Mobile Phone Insurance[View Disclaimer 6](#disclaimer-6)
* Uber Premier $100 cashback [View Disclaimer 4](#disclaimer-4)

[ Explore MyCard Prestige Qantas ](/credit-cards/prestige-card-qantas) 

### MyCard Premier

Elevate every moment with rewards and travel benefits. Minimum Credit Limit $10,000\. Purchase Rate 22.49% p.a.

 Annual Fee

$300 p.a. 

* Earn MyCard Reward Points [View Disclaimer 8](#disclaimer-8)
* Two complimentary airport lounge passes with Priority Pass [View Disclaimer 19](#disclaimer-19)
* Complimentary Travel Insurance[View Disclaimer 5](#disclaimer-5) and Mobile Phone Insurance[View Disclaimer 6](#disclaimer-6)
* Personal concierge service [View Disclaimer 7](#disclaimer-7)
* Discounts from our partners

[ Explore MyCard Premier ](/credit-cards/premier-card) 

### MyCard Premier Qantas

Earn Qantas Points with access to rewards and travel benefits. Minimum Credit Limit $10,000\. Purchase Rate 22.49% p.a.

 Annual Fee

$350 p.a. 

* Earn Qantas Points [View Disclaimer 18](#disclaimer-18)
* Two complimentary airport lounge passes with Priority Pass [View Disclaimer 19](#disclaimer-19)
* Complimentary Travel Insurance[View Disclaimer 5](#disclaimer-5) and Mobile Phone Insurance[View Disclaimer 6](#disclaimer-6)
* Personal concierge service [View Disclaimer 7](#disclaimer-7)

[ Explore MyCard Premier Qantas ](/credit-cards/premier-card-qantas) 

### MyCard Rewards

Earn points on your everyday spend and turn them into rewards you love. Minimum Credit Limit $2,000\. Purchase Rate 22.49% p.a.

 Annual Fee

$199 p.a. 

* Earn MyCard Reward Points [View Disclaimer 8](#disclaimer-8)
* Complimentary Mobile Phone Insurance[View Disclaimer 6](#disclaimer-6)
* Complimentary Extended Warranty Insurance [View Disclaimer 5](#disclaimer-5) and Purchase Protection Insurance [View Disclaimer 5](#disclaimer-5)
* Pay with Points [View Disclaimer 15](#disclaimer-15)
* Discounts from our partners

[ Explore MyCard Rewards ](/credit-cards/rewards-card) 

[ View all cards ](/credit-cards) 

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**Personal Concierge Service**  
Concierge Services is a complimentary service available to the primary cardholder. Refer to the [Terms and Conditions (PDF, 250KB), opens in new window](/content/dam/mycard/documents/terms-and-conditions/rewards-program-tcs.pdf) of the MyCard Rewards Program. Concierge Services is provided by Mastercard® Travel & Lifestyle Services. Mastercard® Travel & Lifestyle Services are provided by Ten Lifestyle Management Limited.
* Disclaimer**8.**  

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* Disclaimer**9.**  
**250,000 bonus MyCard Reward Points**  
To be eligible to receive 250,000 bonus MyCard Reward Points, you must spend a minimum of $10,000 on eligible purchases using your new Card within 90 days from approval. Eligible purchases exclude Cash Advances, Balance Transfers, Special Promotions, interest and fees. Any refunds and Chargebacks on purchases will also be excluded and will not form part of the spend criteria. The bonus MyCard Reward Points will be credited to your Rewards Balance within 2 months of meeting the spend criteria. Your MyCard Prestige Account must remain open, in good standing (for example – your account is not in default, suspended or closed) and enrolled in the MyCard Rewards Program for the bonus MyCard Reward Points to be awarded. All rewards are subject to the [Terms and Conditions of the MyCard Rewards Program (PDF, 250KB), opens in new window](/content/dam/mycard/documents/terms-and-conditions/rewards-program-tcs.pdf). This offer commenced 15 December 2025\. We may vary or end this offer at any time. This offer is not available when closing or transferring from another MyCard branded credit card account or in conjunction with any other MyCard branded credit card offer.
* Disclaimer**10.**  
**6 months Balance Transfer offer**  
Your total Balance Transfers may not exceed 80% of your Credit Limit. The 0% p.a. interest rate will apply to balance transfers requested at card application for a period of 6 months, commencing from the date the Balance Transfer is processed. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the variable Annual Percentage Rate for Cash Advances, currently 22.99% p.a. This offer excludes balances transferred from MyCard branded unsecured credit products. Read the important [Balance Transfer](/content/mycard/en/help-and-support/manage-account/balance-transfers.html) information, before considering taking up a Balance Transfer. This offer commenced 15 December 2025\. We may vary or end this offer at any time. This offer is not available when closing or transferring from another MyCard branded credit card account or in conjunction with any other MyCard branded credit card offer.
* Disclaimer**11.**  
**Up to 200,000 bonus Velocity Points via Autoredemption**  
**150,000 bonus Velocity Points:** To be eligible to receive 150,000 bonus Velocity Points (automatically redeemed from 300,000 bonus MyCard Reward Points), you must apply for a new MyCard Prestige Credit Card before the offer is withdrawn, spend a minimum of $12,000 on eligible purchases using your new Card within 90 days from approval, enrol into Autoredemption for Velocity with your Velocity membership number via Online Servicing. Eligible purchases exclude Cash Advances, Balance Transfers, Special Promotions, interest and fees. Any refunds and Chargebacks on purchases will also be excluded and will not form part of the spend criteria. 300,000 bonus MyCard Reward Points (equivalent to 150,000 Velocity Points) will be credited to your MyCard Rewards Balance within 2 months of meeting the spend criteria and automatically transferred to Velocity on the date nominated by you, provided you have enrolled in Autoredemption. Once transferred, it may take up to 1 month for the Velocity Points to appear in your Velocity account.  
**Additional 50,000 bonus Velocity Points:** An additional 100,000 bonus MyCard Reward Points (equivalent to 50,000 Velocity Points) will be credited to your MyCard Rewards Balance within 90 days of your Account being open for 12 months, provided it has been activated by you. All rewards are subject to the [Terms and Conditions of the MyCard Rewards Program (PDF, 250KB), opens in new window](/content/dam/mycard/documents/terms-and-conditions/rewards-program-tcs.pdf). Your MyCard Prestige must remain open and in good standing (for example - your account is not in default, suspended or closed), for the bonus MyCard Reward Points to be awarded and transferred. Membership of Velocity Frequent Flyer and ensuring your Velocity account is valid as at the date of transfer is your responsibility. The redemption of MyCard Reward Points will be administered solely by us and are subject to the [Terms and Conditions of the MyCard Rewards Program (PDF, 250KB), opens in new window](/content/dam/mycard/documents/terms-and-conditions/rewards-program-tcs.pdf). Velocity membership and Velocity Points earn and redemption are subject to the Velocity Membership Terms and Conditions, as amended from time to time, available at [velocityfrequentflyer.com, opens in new window](https://www.velocityfrequentflyer.com/). This offer commenced 15 December 2025\. We may vary or end this offer at any time. This offer is not available when closing or transferring from another MyCard branded credit card account or in conjunction with any other MyCard branded credit card offer.
* Disclaimer**12.**  
**12 months Balance Transfer offer**  
Your total Balance Transfers may not exceed 80% of your Credit Limit. The 0% p.a. interest rate will apply to balance transfers requested at card application, and the Balance Transfer Fee, for a period of 12 months, commencing from the date the Balance Transfer is processed. The Balance Transfer Fee is 3% of the balance transferred and will be debited to your account on the day or the day after your Balance Transfer is processed. At the end of the balance transfer period, the interest rate on any outstanding transferred balance, and Balance Transfer Fee, will revert to the variable Annual Percentage Rate for Cash Advances, currently 22.99% p.a. This offer excludes balances transferred from MyCard branded unsecured credit products. Read the important [Balance Transfer](/content/mycard/en/help-and-support/manage-account/balance-transfers.html) information, before considering taking up a Balance Transfer. This offer commenced 15 December 2025\. We may vary or end this offer at any time. This offer is not available when closing or transferring from another MyCard branded credit card account or in conjunction with any other MyCard branded credit card offer.
* Disclaimer**13.**  

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* Disclaimer**14.**  

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* Disclaimer**15.**  

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* Disclaimer**16.**  

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* Disclaimer**17.**  

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To receive the 10% discount on your stand-alone prepaid hotel booking at participating hotels you must book via the unique [www.expedia.com.au/traveloffer, opens in new window](http://www.expedia.com.au/traveloffer) or [www.wotif.com/traveloffer, opens in new window](https://www.wotif.com/traveloffer) link from 25 February 2025 to 31 January 2027 for stays completed by 30 June 2027, enter the Coupon code on the payment page, and pay with your valid MyCard Credit Card issued by NAB. Discount applies to the first room in multi-room bookings and cannot be combined with other Coupon codes or applied to past bookings. Taxes, fees, and other charges are not included in the discount. The offer is subject to availability and Expedia and Wotif booking terms (see [Expedia, opens in new window](https://www.expedia.com.au/lp/b/aunationalaustraliabank%28nab%29pub10hotelEXP10TRVL20250201) and [Wotif, opens in new window](https://www.wotif.com/lp/b/aunationalaustraliabank%28nab%29pub10hotel20250201)). We may vary or end this offer at any time acting reasonably. We will notify you of any changes electronically (including via [www.mycard.com.au/credit-cards/benefits](/content/mycard/en/credit-cards/benefits.html)) or other appropriate method as soon as reasonably practicable. NAB may receive a commission from Expedia or Wotif on all hotel bookings made under this offer.
* Disclaimer**18.**  
**MyCard Qantas Rewards Program**  
You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. To receive complimentary Qantas Frequent Flyer membership with MyCard branded credit cards click [here, opens in new window](https://www.qantas.com/au/en/frequent-flyer/discover-and-join/join-now.html/code/mycard), otherwise a joining fee may apply. Membership and Qantas Points are subject to the [terms and conditions, opens in new window](https://www.qantas.com/au/en/frequent-flyer/discover-and-join/terms-and-conditions.html) of the Qantas Frequent Flyer program.
* Disclaimer**19.**  
**Priority Pass (MyCard Premier)**  
One complimentary digital Priority Pass™ Standard Membership, with two complimentary lounge visits, for the primary cardholder is a Special Feature of the MyCard Premier Credit Card. MyCard Premier cardholders must enrol for the Priority Pass™ Standard Membership at [www.prioritypass.com/premieraumc, opens in new window](https://www.prioritypass.com/premieraumc) and follow the prompts. You will need to download the Priority Pass™ App via the Apple App Store or get it on the Google Play Store to access your Digital Membership Card. The first two visits within each 12-month membership period from registration (membership year) are complimentary to the primary cardholder only, after which any additional visits by you and visits by your guests will be charged directly to you by Priority Pass™ at their ordinary standard rates. Unused visits cannot be carried forward to the following membership year. The total number of complimentary visits will be reset to two at the beginning of each membership year while you remain a MyCard Premier cardholder. The membership is subject to the Priority Pass™ Conditions of Use. Please note that within Australia, Priority Pass™ is available at select airports. For the full list of up-to-date airport lounges and Priority Pass™ Conditions of Use please refer to [www.prioritypass.com, opens in new window](https://www.prioritypass.com/). Cardholders can use their lounge entitlement to receive AUD$36 off their bill. 1\. Each AUD$36 deduction represents a single lounge visit within the cardholders’ existing lounge visit allocation for which the cardholder will, where applicable, be charged. Only 1 card per visit per primary cardholder will be accepted and at point of registration. 2\. the AUD$36 is valid for the purchase of any meal/or drinks. To be eligible, cardholders must present a valid Card and Boarding Pass with confirmed same-day travel before placing an order. 3\. AUD$36 is non-transferrable & cannot be exchanged for cash substitute or refund if the final bill is lower than AUD$36 per person. 4\. Cardholder is responsible for the balance if the total bill exceeds AUD$36 per person. Any remaining balance cannot be used towards gratuity. 5\. Priority Pass and its Affiliates Companies shall not be liable should the offer value be less than Customers lounge visit entitlement. Customers who pay for lounge and guest visits are advised to review programme Conditions of Use prior to accessing the offer. Visit [www.prioritypass.com, opens in new window](https://www.prioritypass.com/) for more information.