MyCard Rewards
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.
- 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 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. |
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
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
Published by MyCard under the Consumer Data Right · Last updated 23 April 2026 · Product ID a919d339-bab4-464d-a7af-51aec0ca6c62 · View on CDR.gov.au