MyCard Rewards Credit Card

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.

All rewards are subject to the Terms and Conditions of the MyCard Rewards Program, opens in new window. 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, opens in new window.

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 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) 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.

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 Card Complimentary Insurance Policy Information Booklet (PDF, 560KB). 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, 202KB), 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.

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.

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, 253KB), opens in new window. 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, 253KB), 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. 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.

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. For important information to consider before taking up a Balance Transfer, please click here. 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.

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