MyCard Rewards Velocity
Snapshot 626 · Offer 2339 · Offer status now: active
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Making payments to your account: You can find details on how to make payments to your account here. Your new BPAY reference number is in your MyCard statement, but payments using your previous BPAY details will still be applied to your account.
Getting copies of your statements: You can download statements from November 2023 onward via the MyCard app or MyCard Online. For earlier statements, you can request them through chat with us in MyCard Online. Only the accountholder can view or request statements.
Accessing MyCard Online: refer to our FAQs on how to retrieve your MyCard user ID and log in for the first time.
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MyCard Rewards
Earn points on your everyday spend and turn them into rewards you love.
At a glance
Reward your everyday with MyCard Rewards. From earning points on your daily spend to redeeming them in a variety of ways that suit you, including Pay with Points , Giftcards, Points Transfer and more.
This card has a Minimum Credit Limit $2,000.
Annual fee
$199 p.a.
Retail purchase rate
22.49 % p.a.
Cash advance rate
22.99 % p.a.
Earn MyCard Reward Points for every $1 spent on Eligible Transactions
| Spend type | Number of Points | Spend Eligibility |
|---|---|---|
| Spend typeInternational Spend | Number of Points1 Point | Spend Eligibilityon Eligible Transactions made overseas or online with a merchant that is based overseas. |
| Spend typeDomestic Spend | Number of Points1 Point | Spend Eligibilityon Eligible Transactions capped at $10,000 spend per statement period. |
What you get
- Pay with Points
- Up to 15% off Luxury Escapes (up to $250)
- Complimentary Purchase Protection Insurance and Extended Warranty Insurance
- Complimentary Mobile Phone Insurance
Things to consider
- Higher retail purchase rate than our MyCard Clear.
- Annual fees apply. For a no annual fee credit card see our MyCard Simplicity.
- A lower Reward Point earn rate than our MyCard Premier and MyCard Prestige credit cards.
- Priority Pass not available with this product, upgrade to the MyCard Premier or MyCard Prestige to gain access to this benefit.
Benefits
Explore the benefits that come with MyCard Rewards
MyCard Rewards Program
Earn MyCard Reward Points on eligible everyday purchases and redeem them your way. From Pay with Points , Giftcards, Points Transfer options and more.
Complimentary Mobile Phone Insurance
Pay your monthly postpaid plan bill with your MyCard Rewards card and you'll be covered for Accidental Damage and Theft.
Instalment Plans
Pay back large credit card expenses with monthly instalments.
Complimentary Purchase Protection Insurance
Access purchase protection insurance on eligible purchases.
Complimentary Extended Warranty Insurance
Access extended warranty insurance on eligible purchases.
Choose an offer that suits you
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100,000 bonus MyCard Reward Points
Get 100,000 bonus MyCard Reward Points when you spend $5,000 on eligible purchases within 90 days from approval.
Annual fee
$199 p.a.
Purchase interest rate
22.49 % p.a.
Included extras
- 0% p.a. for 12 months on Balance Transfers. 3% Balance Transfer Fee applies. Balance Transfer rate reverts to Cash Advance rate after the promotional period.
Apply for this offer , opens in new window
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0% p.a. on Purchases and Balance Transfers for 15 months
Get 0% p.a. for 15 months on purchases and balance transfers. 2% balance transfer fee applies. Balance transfer rate reverts to cash advance rate after the promotional period
Annual fee
$199 p.a.
Purchase interest rate
22.49 % p.a.
Included extras
- Earn MyCard Reward Points
Apply for this offer , opens in new window
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Up to 90,000 bonus Velocity Points via Autoredemption
Get 60,000 bonus Velocity Points with autoredemption when you spend $5,000 on eligible purchases within 90 days from approval and an additional 30,000 bonus Velocity Points when you keep your card open for over 12 months.
Annual fee
$199 p.a.
Purchase interest rate
22.49 % p.a.
Included extras
- 0% p.a. for 12 months on Balance Transfers. 3% Balance Transfer Fee applies. Balance Transfer rate reverts to Cash Advance rate after the promotional period.
Apply for this offer , opens in new window
Rates and fees
Interest rates and fees
These are our standard interest rates and fees for the MyCard Rewards credit card. For the full list, please see our Credit Card fees and charges page.
| Fee type | Rate (p.a.) |
|---|---|
| Fee typeAnnual fee | Rate (p.a.)$199 |
| Fee typeRetail purchase rate | Rate (p.a.)22.49% p.a. |
| Fee typeCash advance rate Or pay off eligible purchases at an interest rate over a set term with a MyCard Instalment Plan. | Rate (p.a.)22.99% p.a. |
| Fee typeAdditional cardholder fee You may have up to four additional cardholders, who must be at least 16 years old. | Rate (p.a.)$90 per additional cardholder |
Other rates and fees
These are some other rates and fee information including credit limits and interest free days for the MyCard Rewards credit card.
| 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 $2,000, 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) | Fee details$2.50 |
Featured offers
Explore these limited time offers with MyCard Rewards.
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Up to 15% off Luxury Escapes
Enjoy up to 15% off eligible Luxury Escapes hotels. Discount cap applies.
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10% off selected Expedia hotels
Save on your next getaway with 10% off selected hotels on Expedia.
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10% off selected Wotif hotels
Explore Australia and beyond with 10% off selected hotels on Wotif.
MyCard Rewards Program
Make every spend rewarding with the MyCard Rewards Program.
Pay with Points
Redeem your reward points to receive a credit back on almost any purchase with Pay with Points.
Redeem Giftcards
Redeem your reward points for Giftcards with over 50 brands and stores to choose from.
Transfer Points
Transfer your points to one of our loyalty partner programs including Flybuys and Velocity Frequent Flyer.
You might also like
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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
- Two complimentary airport lounge passes with Priority Pass
- Complimentary Travel Insurance and Mobile Phone Insurance
- Personal concierge service
- Discounts from our partners
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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
- Two complimentary airport lounge passes with Priority Pass
- Complimentary Travel Insurance and Mobile Phone Insurance
- Personal concierge service
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MyCard Clear
A low interest rate on Retail Purchases. Minimum Credit Limit $2,000. Purchase Rate 14.99% p.a.
Annual fee
$149 p.a.
- Low ongoing variable interest rate on Retail Purchases
- Complimentary Extended Warranty Insurance and Purchase Protection Insurance
- Discounts from our partners
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MyCard Simplicity
Enjoy no annual fee or late fees. Minimum Credit Limit $2,000. Purchase Rate 22.49% p.a.
Annual fee
$0 p.a.
- No Annual Fee. No late fees.
- Complimentary Extended Warranty Insurance and Purchase Protection Insurance
- Discounts from our partners
Things you should know
Important information
Important information
Fees and charges
Read our Credit Card Terms and Conditions. Credit card fees and charges are payable. Approval and credit limit is subject to MyCard's credit assessment criteria. Information, including interest rates and annual card fees subject to change. Correct as at today. Please refer to the Target Market Determinations for our products. Credit cards issued by National Australia Bank Limited.
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- Snapshot ID
- 626
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