MyCard Prestige Credit Card

All rewards are subject to the Terms and Conditions of the MyCard Rewards Program, opens in new window. MyCard Prestige Card earns 3 Points per $1 on eligible International Spend and for selected purchases made and booked directly from a range of major restaurants and restaurant chains, major hotel chains, major travel agencies, major travel aggregators and flights directly booked with major airlines. 2 Points per $1 for selected purchases made at major petrol outlets, major supermarkets and major national retailers. 1 Point per $1 spent everywhere else on Eligible Transactions. 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. Please refer to the Terms and Conditions of the MyCard Rewards Program, opens in new window for the full definition of Eligible Transactions. Please note purchases not ordered or booked directly from the restaurant (e.g. through a delivery company) are not included in the higher earn rate. Please note that whether or not a purchase is eligible to earn Points and how many (e.g. whether the merchant is a “major restaurant”) will be determined based on card scheme information ultimately provided either by the merchant (including individual outlets) or its financial institution (including information about the type of business conducted by the merchant). If, for example, a restaurant is not classified as a restaurant by the card scheme, it will not be treated as a “major restaurant” for calculating Points. Points do not expire while the card remains open and in good standing (for example – your account is not in default, suspended or closed).

One complimentary digital Priority Pass™ Membership, with 15 complimentary lounge visit entitlements, is a special feature of the MyCard Prestige Credit Card. The MyCard Prestige primary cardholder will receive 15 lounge visit entitlements for each 12-month period, commencing from registration and provided their account is in good standing (for example – the account is not in default, suspended or closed). The lounge visit entitlement may be used by the primary cardholder and any accompanying guests, provided they attend together. For each visit, one lounge visit entitlement is required per person. For example, a visit by the primary cardholder and one guest will require 2 lounge visit entitlements. Unused lounge visit entitlements will expire at the end of each 12-month period and will not be carried over. Visits outside of the complimentary allowance will be charged directly by Priority Pass™. To view details for lounge visit entitlements, including entitlement period dates, login to the Priority Pass™ App. MyCard Prestige primary cardholders must enrol for the Priority Pass™ Standard Membership at www.prioritypass.com/prestigeaumc, opens in new window. Access the Digital Membership Card by using the Priority Pass™ App which can be downloaded via the Apple App Store or the Google Play Store. The membership is subject to the Priority Pass™ Conditions of Use. Please note that within Australia, Priority Pass™ is available at selected 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 along with the MyCard Prestige Credit Card Benefit Terms and Conditions (PDF, 121KB), opens in new window for further information. Primary cardholders can use their lounge visit entitlements to receive AUD$36 off the bill per person at selected airport restaurants. 1. Each AUD$36 deduction represents a single lounge visit per person within the primary cardholder’s existing lounge visit entitlements for which the primary cardholder will, where applicable, be charged. For example, if a primary cardholder registers 1 guest, they will receive AUD$72 off their bill which will be charged as 1 primary cardholder visit + 1 guest visit on their account. Only 1 card per visit per primary cardholder will be accepted at registration. 2. The AUD$36 is valid for the purchase of any meal and/or drinks. To be eligible, primary cardholders must present a valid Means of Access as per the Priority Pass™ Conditions of Use and Boarding Pass with confirmed same-day travel before placing an order. 3. AUD$36 is non-transferable & cannot be exchanged for cash substitute or refund if the final bill is lower than AUD$36 per person. 4. Primary cardholder is responsible for the balance if total final bill exceeds AUD$36 per person per visit. 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 primary cardholder lounge visit entitlement. Customers who pay for lounge and guest visits are advised to review the Conditions of Use prior to accessing the offer. Visit www.prioritypass.com, opens in new window for more information.

The promo code “PRESTIGE4N” must be applied at checkout to redeem the benefit. 4th Night on Us benefit is capped at 4 redemptions per calendar year and bookings must be made and used in the same calendar year. The credit amount is capped at $1,000 per redemption. 4th Night on Us is a Special Feature of the MyCard Prestige Credit Card. Valid for MyCard Prestige primary cardholders only. A minimum of 4 consecutive nights’ stay is required in order to receive a credit for one night. This benefit cannot be used in conjunction with other offers/benefits. The credit value of the one night is calculated as the average nightly room rate for the total nights’ stay. Only one credit amount will be paid per MyCard Prestige primary cardholder per room per booking. Booking for the accommodation must be of the same room types. Back-to-back stays are not allowed. Back-to-back stays are stays at the same city/state booked on two reservations (as an example, you book four nights at a hotel on one reservation for Monday, Tuesday, Wednesday and Thursday and book another four nights on another reservation for Friday, Saturday, Sunday and Monday. In this situation, you would only be eligible for one complimentary night for the 8-night stay). Between each booking, a minimum of a 7-day window is required. Luxury Escapes Pty Ltd pays a commission to National Australia Bank for certain booking types. Offer is renewed each year unless we notify you otherwise. Please refer to the full Terms and Conditions (PDF, 121KB)

To be eligible to receive the Uber Premier $100 cashback, you must make the booking for an Uber Ride via the Uber app and spend AUD$100 or more in one transaction using your MyCard Prestige Credit Card. The benefit is capped at one redemption per calendar year. Payment must be made directly with your MyCard Prestige Credit Card via the Uber app. Excludes Uber Eats, Uber Pass, Uber Gift Card and transactions made through a third-party establishment or payment processor. The Uber Premier $100 Cashback will be calculated on the first eligible spend during the calendar year and credited to your account within eight weeks after the qualifying transaction is processed provided your account is open and in good standing (for example – your Account is not in default, suspended or closed). Cashback will reduce the outstanding balance of your account but may not count towards your next monthly repayment obligation depending on when it is credited to your account. Please refer to the full Terms and Conditions (PDF, 121KB), opens in new window for further information. Only available for travel within Australia.

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, 619KB), opens in new window which may be amended from time to time. Neither NAB nor any of its related corporations guarantee this 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 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.

Concierge Services is a complimentary service available to the primary cardholder. Refer to the Terms and Conditions (PDF, 250KB), opens in new window 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.

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.

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. 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. 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. 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.

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 or www.wotif.com/traveloffer, opens in new window 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 and Wotif, opens in new window). 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) 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. NAB may receive a commission from Expedia or Wotif on all hotel bookings made under this offer.

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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 or on the Luxury Escapes mobile app. Offer valid at Australian website only. Offer is exclusive to MyCard Prestige cardholders and is not transferable. Maximum discount available per transaction is $500 for Limited Time Lux Exclusive hotels and $250 for international tours. Offer is valid if booked by 1 March 2027. To be eligible, customers must use their MyCard Prestige Credit Card at checkout along with the promo code PRESTIGELUX 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) 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.

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.