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From earning points on your daily spend to redeeming them in a variety of ways that suit you, including Pay with Points[View Disclaimer 1](#disclaimer-1), Giftcards, Points Transfer and more.

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**Earn MyCard Reward Points for every $1 spent on Eligible Transactions[View Disclaimer 2](#disclaimer-2)**

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* Pay with Points [View Disclaimer 1](#disclaimer-1)
* Up to 15% off Luxury Escapes (up to $250) [View Disclaimer 3](#disclaimer-3)
* Complimentary Purchase Protection Insurance[View Disclaimer 4](#disclaimer-4) and Extended Warranty Insurance[View Disclaimer 4](#disclaimer-4)
* Complimentary Mobile Phone Insurance[View Disclaimer 5](#disclaimer-5)

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* Priority Pass[View Disclaimer 6](#disclaimer-6) not available with this product, upgrade to the [MyCard Premier](/credit-cards/premier-card) to gain access to this benefit.

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Earn MyCard Reward Points on eligible everyday purchases and redeem them your way. From Pay with Points[View Disclaimer 1](#disclaimer-1), Giftcards, Points Transfer options and more.[View Disclaimer 7](#disclaimer-7)

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Pay your monthly postpaid plan bill with your MyCard Rewards card and you'll be covered for Accidental Damage and Theft.[View Disclaimer 5](#disclaimer-5)

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Pay back large credit card expenses with monthly instalments.[View Disclaimer 8](#disclaimer-8)

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Access purchase protection insurance on eligible purchases.[View Disclaimer 4](#disclaimer-4)

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Access extended warranty insurance on eligible purchases.[View Disclaimer 4](#disclaimer-4)

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Get 100,000 bonus MyCard Reward Points when you spend $5,000 on eligible purchases within 90 days from approval.[View Disclaimer 9](#disclaimer-9)

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* 0% p.a. for 12 months on Balance Transfers.[View Disclaimer 10](#disclaimer-10) 3% Balance Transfer Fee applies. Balance Transfer rate reverts to Cash Advance rate after the promotional period.

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Get 0% p.a. for 15 months on purchases and balance transfers.[View Disclaimer 11](#disclaimer-11) 2% balance transfer fee applies. Balance transfer rate reverts to cash advance rate after the promotional period

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* Earn MyCard Reward Points[View Disclaimer 2](#disclaimer-2)

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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.[View Disclaimer 12](#disclaimer-12)

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* 0% p.a. for 12 months on Balance Transfers.[View Disclaimer 10](#disclaimer-10) 3% Balance Transfer Fee applies. Balance Transfer rate reverts to Cash Advance rate after the promotional period.

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| Fee type                                                                                                                                                                                           | Rate (p.a.)                              |
| -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ---------------------------------------- |
| Fee typeAnnual fee                                                                                                                                                                                 | Rate (p.a.)$199                          |
| 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 8](#disclaimer-8) | 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.)$90 per additional cardholder |

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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 $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) [View Disclaimer 13](#disclaimer-13) | Fee details$2.50                                                         |

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Enjoy up to 15% off eligible Luxury Escapes hotels. Discount cap applies.[View Disclaimer 3](#disclaimer-3)

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Save on your next getaway with 10% off selected hotels on Expedia.[View Disclaimer 14](#disclaimer-14)

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Explore Australia and beyond with 10% off selected hotels on Wotif.[View Disclaimer 14](#disclaimer-14)

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Make every spend rewarding with the MyCard Rewards Program.[View Disclaimer 7](#disclaimer-7)

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Redeem your Reward Points to receive a credit back on almost any purchase with Pay with Points.[View Disclaimer 1](#disclaimer-1)

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* Earn MyCard Reward Points [View Disclaimer 7](#disclaimer-7)
* Two complimentary airport lounge passes with Priority Pass [View Disclaimer 6](#disclaimer-6)
* Complimentary Travel Insurance[View Disclaimer 4](#disclaimer-4) and Mobile Phone Insurance[View Disclaimer 5](#disclaimer-5)
* Personal concierge service [View Disclaimer 15](#disclaimer-15)

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* Earn Qantas Points [View Disclaimer 16](#disclaimer-16)
* Two complimentary airport lounge passes with Priority Pass [View Disclaimer 6](#disclaimer-6)
* Complimentary Travel Insurance[View Disclaimer 4](#disclaimer-4) and Mobile Phone Insurance[View Disclaimer 5](#disclaimer-5)
* Personal concierge service [View Disclaimer 15](#disclaimer-15)

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* Complimentary Extended Warranty Insurance [View Disclaimer 4](#disclaimer-4) and Purchase Protection Insurance [View Disclaimer 4](#disclaimer-4)

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Enjoy no annual fee or late fees. Minimum Credit Limit $2,000\. Purchase Rate 22.49% p.a.

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* No Annual Fee. No late fees.
* Complimentary Extended Warranty Insurance [View Disclaimer 4](#disclaimer-4) and Purchase Protection Insurance [View Disclaimer 4](#disclaimer-4)

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Read our [Credit Card Terms and Conditions](/help-and-support/important-information). [Credit card fees and charges](/help-and-support/important-information/fees-and-charges-credit-cards) are payable. Approval and credit limit is subject to MyCard's credit assessment criteria. Fees, charges and earn rates (if applicable) are subject to change from 1 October 2026\. If we make changes, these will be communicated in accordance with our terms & conditions. Please refer to the [Target Market Determinations](/help-and-support/important-information/tmd) for our products. Credit cards issued by National Australia Bank Limited.

* Disclaimer**1.**  
**Pay with Points**  
Pay with Points is available on eligible transactions and is only available for MyCard Rewards, Premier, Prestige, Classic Plus and Platinum cardholders. An eligible purchase is a transaction we will present to you in your MyCard App or MyCard Online that can be paid by redeeming your Reward Points. The types of transactions that may be paid by redeeming your Reward Points may change and we will present these to you in the MyCard App or MyCard Online.
* Disclaimer**2.**  
**MyCard Rewards earn rate**  
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). The MyCard Rewards Credit Card earns 1 Point per $1 on eligible Domestic Spend up to $10,000 per Statement Period and 1 Point per $1 on eligible International Spend, uncapped. Domestic Spend and International Spend means any Eligible Transaction made with a merchant who respectively tells us they are located within Australia or outside Australia. Eligible Transaction is defined in the Rewards Program Terms and Conditions and means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, government related transactions and all other transactions set out within the full definition of Eligible Transaction as in 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).
* Disclaimer**3.**  
**Luxury Escapes offer (All Cards except MyCard Prestige)**  
10% discount is valid on 'Limited Time LUX Exclusive' hotel offers in Australia and 15% discount on ‘Limited Time LUX Exclusive’ international hotel offers and a 10% discount on international tours (excluding flights) at [luxuryescapes.com/au, opens in new window](https://luxuryescapes.com/au) or on the Luxury Escapes mobile app. Offer is valid at Australian website only. Offer is exclusive to MyCard branded cardholders and is not transferable. Maximum discount available per transaction is $250\. Offer is valid if booked by 1 March 2027\. To be eligible, customers must use their MyCard branded card at checkout along with the promo codes MYLUXPROMO when purchasing ‘Limited Time LUX Exclusive’ hotels or MYLUXTOURS10 when purchasing an international tour, and the discount will be applied automatically. Excludes transactions made through a third-party establishment or payment processor. 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. Offer is not valid on flights, LUX Partner Properties, LUX Premium Collection, Last Minute Escapes, Cruises, Experiences or Gift Cards. Offer is not combinable with any other discount or offer. Offer ends 1 March 2027.
* Disclaimer**4.**  
**Complimentary Insurances (Purchase Protection, Extended Warranty, Rental Vehicle Excess and Travel Insurance)**  
AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz) has issued a Complimentary insurance group policy to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) which allows eligible NAB account holders and cardholders to claim under it as third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). NAB is the credit provider and issuer of MyCard branded credit cards. Our/us/we/The MyCard Team means NAB unless the context otherwise requires it. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, exclusions, limits and applicable sub-limits of the group policy are set out in the [MyCard Credit Cards Complimentary Insurance Policy Information Booklet (PDF, 546KB), opens in new window](/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet-may-2026.pdf) which may be amended from time to time. Neither NAB nor any of its related corporations guarantee this insurance.
* Disclaimer**5.**  
**Mobile Phone Protection Insurance**  
Mobile Phone Insurance (Cover) is provided under and by way of a group policy (Group Policy) issued by AIG Australia Limited (ABN 93 004 727 753, AFSL 381 686) (AIG) to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”). NAB is the credit provider and issuer of MyCard branded credit cards. Our/us/we/The MyCard Team means NAB unless the context otherwise requires it. This Cover is available to Cardholders (“you/your”) while you remain an eligible Mastercard and/or Visa cardholder of NAB, subject to NAB’s and AIG’s right to alter the Cover. The terms, conditions and excluded cover are specified in the [MyCard Credit Cards Complimentary Mobile Phone Insurance Terms and Conditions (PDF, 190KB), opens in new window](/content/dam/mycard/documents/terms-and-conditions/complimentary-mobile-phone-insurance-tcs.pdf) as amended from time to time. When eligible, you have the benefit of cover as a third party beneficiary solely by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth). To make sure that the Cover meets your needs and is suitable for you and your personal circumstances, these terms and conditions must be reviewed by you and, if necessary, you should also seek independent financial advice. NAB is not the issuer or insurer of the Cover. NAB nor any of its related corporations guarantee any of the benefits under the Cover. Please note that you must have a contract with a mobile phone provider and a monthly automatic billing arrangement.
* Disclaimer**6.**  
**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.
* Disclaimer**7.**  
**MyCard Rewards Program**  
Refer to the MyCard Rewards and MyCard Qantas Rewards Program Terms and Conditions, for the full Terms of Use which can be found on [mycard.com.au/terms](/content/mycard/en/help-and-support/important-information.html).
* Disclaimer**8.**  
**Instalment Plans**  
MyCard Instalment Plan offers are subject to eligibility and only available if your account is and remains in good standing (for example – your account is not in default, suspended or closed). Your Instalment Plan uses part of your existing credit limit. As you pay off your Instalment Plan, the amount you pay off will become available for you to use again as part of your credit limit at the standard Annual Percentage Rate applicable to your account. For the full terms and conditions of your Instalment Plan, please refer to the [Credit Card Terms and Conditions and Other Important Information (PDF, 402KB), opens in new window](/content/dam/mycard/documents/terms-and-conditions/credit-card-tcs.pdf).
* Disclaimer**9.**  
**100,000 bonus MyCard Reward Points**  
To be eligible to receive 100,000 bonus MyCard Reward Points, you must spend a minimum of $5,000 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 100,000 bonus MyCard Reward Points will be credited to your Rewards Balance within 2 months of meeting the spend criteria. 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 Rewards 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. 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.**  
**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**11.**  
**15 months Purchases and Balance Transfer offer**  
**Purchases:** The promotional rate of 0% p.a. will apply to the Retail Purchase Balance for a promotional period of 15 months, commencing from the date your Account is approved. At the end of the promotional period, the variable Annual Percentage Rate for Retail Purchases, currently 22.49% p.a. will apply to the Retail Purchase Balance.  
**Balance Transfers:** 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 15 months, commencing from the date the Balance Transfer is processed. The Balance Transfer Fee is 2% 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. Minimum monthly payments required. Payments will be applied to your Account as per the [Credit Card Terms and Conditions and Other Important Information](/content/mycard/en/help-and-support/important-information.html). Please note that if you make a Retail Purchase before your Balance Transfer is processed, payments made during the promotional period will be applied to the Retail Purchase Balance before the 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**12.**  
**Up to 90,000 bonus Velocity Points via Autoredemption**  
**60,000 bonus Velocity Points:** To be eligible to receive 60,000 bonus Velocity Points (automatically redeemed from 150,000 bonus MyCard Reward Points), you must apply for a new MyCard Rewards Credit Card before the offer is withdrawn, spend a minimum of $5,000 on eligible purchases using your new Card within 90 days from approval, and 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. 150,000 bonus MyCard Reward Points (equivalent to 60,000 Velocity Points) will be credited to your MyCard Rewards Balance within 2 months of meeting the spend criteria and automatically transferred to Velocity 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 30,000 bonus Velocity Points:** An additional 75,000 bonus MyCard Reward Points (equivalent to 30,000 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 Rewards Account 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 to Velocity. 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. 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.**  
**Bank@Post**  
Bank@Post and its device mark are trademarks (registered or otherwise) of the Australian Postal Corporation. All rights reserved.
* Disclaimer**14.**  
**Expedia/Wotif**  
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**15.**  
**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**16.**  
**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.