---
title: "MyCard Rewards — MyCard"
description: "Credit & Charge Cards from MyCard. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/mycard/products/a919d339-bab4-464d-a7af-51aec0ca6c62
source: "CDR Compare"
language: en-AU
last_updated: 2026-04-23T00:00:00Z
---

# MyCard Rewards — MyCard

> Credit & Charge Cards from MyCard. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Credit & Charge Cards**

The Product is a rewards credit card that provides individuals with a line of credit facility, the ability to earn MyCard Reward Points (Reward Points) and access to ancillary benefits and complimentary insurances.

The product is intended for everyday spend and to provide everyday benefits and discounts through its rewards program.

## At a glance

- **Purchase rate:** 22.49%
- **Annual fee:** $199.00

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Purchase (Retail purchase rate) | 22.49% | — | — |
| Cash advance (Cash advance rate) | 22.99% | — | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Late Payment Fee — 14 · The amount charged to your Account after the Payment Due Date if at the time the fee is debited, your Account has an Overdue Amount and the balance of your Account is $50 or more. | Late payment | $30.00 |
| Annual Fee — Charged yearly · Charged on the anniversary of your account opening. | Ongoing | $199.00 |
| Additional Cardholder Fee — Charged yearly · Charged per additional cardholder attached to your account. | Ongoing | $90.00 |
| International Transaction Fee — When you make a Retail Purchase or obtain a Cash Advance in Australian dollars while overseas, or while in Australia (for example online) where the merchant, or the financial institution or entity processing the transaction, is located outside Australia. An ATM fee may also apply. | Transaction | 3.5% of transaction |
| Over-the-Counter Transaction Fee — Charged for each payment made to your Account by cash at an Australia Post outlet displaying the Bank@PostTM symbol. | Transaction | $2.50 |
| Domestic Cash Advance Fee — $3.50 per transaction amount or 3.5% of the transaction amount, whichever is higher, for a Cash Advance inside Australia, debited to your Account on the date the Cash Advance takes place. An ATM fee may also apply. | Cash advance | 3.5% of transaction |
| International Cash Advance Fee — Charged per transaction amount for a Cash Advance outside of Australia, on the Australian dollar amount, debited to your Account on the date the Cash Advance takes place. Please note, this is in addition to any International Transaction Fee that may be payable. An ATM fee may also apply. | Cash advance | $5.00 |
| Paper Statement Fee — Charged when we issue you a paper statement and debited to your Account on the last day of the Statement Period. | Event | $2.00 |

## Features

- **Additional cards** — up to 4
- **Balance transfers** — Eligibility criteria and terms and conditions apply
- **Bill payment (BPAY)** — BPAY
- **Discounts on other products** — Complimentary range of everyday benefits to help you shop and save
- **Digital banking** (MyCard Online)
- **Digital banking** (MyCard App)
- **Digital wallet** — Apple Pay
- **Digital wallet** — Samsung Pay
- **Digital wallet** — Google Pay
- **Insurance included** — International Travel Insurance
- **Insurance included** — Domestic Travel Insurance
- **Insurance included** — Extended Warranty Insurance
- **Insurance included** — Purchase Protection Insurance
- **Insurance included** — Mobile phone insurance
- **Interest-free period** — 44 days
- **Loyalty program** — MyCard Rewards Program
- **Unlimited transactions**
- **24/7 worldwide customer service and fraud protection**
- **24/7 customer service if your card is lost or stolen.**
- **Instalment plan** — Eligibility criteria and terms and conditions apply

## Eligibility

- **Minimum age** — 18 years
- **Residency status** — Must be an Australian resident
- **Individuals only**

## Constraints

- **Maximum limit** — $100,000.00
- **Minimum limit** — $2,000.00

## More information from MyCard

- [Overview](https://mycard.com.au/credit-cards/rewards-card)
- [Terms & conditions](https://mycard.com.au/help-and-support/important-information/terms-and-conditions)
- [Eligibility](https://mycard.com.au/credit-cards/rewards-card)
- [Fees & pricing](https://mycard.com.au/help-and-support/important-information/fees-and-charges-credit-cards)

## Data provenance

- Published by MyCard under the Consumer Data Right
- Product ID: `a919d339-bab4-464d-a7af-51aec0ca6c62`
- Last updated by the provider: 23 April 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/mycard/a919d339-bab4-464d-a7af-51aec0ca6c62
- Provider page: https://www.cdrcompare.au/brands/mycard
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000186

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/mycard/products/a919d339-bab4-464d-a7af-51aec0ca6c62) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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