How to apply for your MyCard Rewards Card

The MyCard Rewards Card is perfect for those looking to earn points on everyday purchases, with flexible rewards that fit your lifestyle. You earn 1 MyCard Reward Point per $1 spent on domestic purchases, capped at $10,000 per statement period. The 0% p.a. balance transfer offer for 12 months adds even more value, helping you manage debt while earning rewards.

This card was previously offered under the Citi brand as the Citi Rewards Credit Card, and it moved to the MyCard brand on 24 November 2025. National Australia Bank Limited (NAB) is the issuer and credit provider — ABN 12 004 044 937, AFSL and Australian Credit Licence 230686.

MyCard Rewards Card Benefits

• Earn Points on Domestic Spend: With the MyCard Rewards Card, you can earn 1 MyCard Reward Point per $1 spent on eligible purchases in Australia, capped at $10,000 spent per statement period.
• Earn Rate Changes From 1 October 2026: MyCard has advised a new earn structure from 1 October 2026 — 2 points per $1 at supermarkets and petrol, 1.5 points per $1 on other domestic spend, and 2 points per $1 on international spend.
• Redemption Options: Points earned on this card are MyCard Reward Points, redeemed through the MyCard rewards program. Check the current redemption options on the official MyCard website before you apply, as available partners and rates can change.
• Balance Transfer Offer: 0% p.a. on balance transfers for 12 months, a useful option for those looking to pay down existing debt. A 3% balance transfer fee applies to the amount transferred.
• Interest free days: With up to 44 days interest-free on retail purchases, this credit card allows you to make purchases without paying any interest if the balance is paid in full by the due date. This feature provides financial flexibility, helping you manage your expenses without the burden of immediate interest charges, and making it easier to stay on top of your payments while enjoying your shopping.

Considerations

• Interest-Free Period: While the MyCard Rewards Card offers up to 44 days of interest-free purchases, it’s important to remember that this only applies if you don’t have an active balance transfer. If you’re taking advantage of the balance transfer offer, any new purchases will accrue interest at the standard retail purchase rate of 22.49% p.a.
• Balance Transfer Revert Rate: After the 12-month promotional period, any remaining balance transfer amount reverts to the standard rate that then applies to balance transfers on this card. This makes it essential to have a repayment plan in place before the promotional period ends.
• Rewards Cap: For domestic transactions, points are capped at $10,000 per statement period. While the cap is generous, high spenders may need to monitor their purchases to avoid exceeding this limit.

Eligibility for the MyCard Rewards Card

To apply for the MyCard Rewards Card, you’ll need to meet the following requirements:

• Income: You need to receive a regular income
• Contact details: you need to have a mobile phone and a valid email address
• Credit Rating: A good credit rating is crucial for approval. NAB looks for responsible credit management and may reject applications from individuals with poor credit history.
• Residency: You must be an Australian citizen or permanent resident to apply.
• Age: Applicants must be at least 18 years of age to qualify.

Ensure that your financial details and credit report are up to date before applying to increase your chances of approval. NAB may require supporting documents such as payslips, Australian Driver’s Licence, Passport, or Medicare Card, proof of address, etc.

About NAB

National Australia Bank Limited (NAB) is the issuer and credit provider for MyCard credit cards — ABN 12 004 044 937, AFSL and Australian Credit Licence 230686.

The Citi-branded consumer credit cards sold in Australia moved to the MyCard brand on 24 November 2025. The products themselves continued; only the brand changed.

The MyCard Rewards Card is the rewards option in that range, built around earning points on everyday domestic spending.

Ideal Candidates for the MyCard Rewards Card

The MyCard Rewards Card is perfect for anyone looking to make their spending more rewarding. It’s ideal for:

• Everyday Shoppers: If you regularly spend on groceries, bills, and shopping, you’ll rack up points quickly with 1 point per $1 on domestic purchases.
• Frequent Travelers: From 1 October 2026, MyCard has advised an earn rate of 2 points per $1 on international spend. Note that an international transaction fee of 3.5% applies to purchases made overseas or in a foreign currency.
• Debt Consolidators: With a 0% p.a. balance transfer offer for 12 months and a 3% balance transfer fee, this card is also a fit for those looking to consolidate debt.
• Rewards Enthusiasts: The ability to redeem MyCard Reward Points through the MyCard rewards program makes this card attractive for those who like earning and using rewards.

If you’re someone who values flexibility, cost-effective features, and the opportunity to earn rewards on your everyday domestic spending, this card could be a great fit.

Applying for the MyCard Rewards Card

Applying for the MyCard Rewards Card is simple and can be done online in just a few minutes. Here’s how:

1. Visit the MyCard website: Go to the MyCard Rewards Card page on the official MyCard website.
2. Review your eligibility: to start the process, read the requirements settled by NAB to apply for this card, and verify if we meet. Also, you need to review all MyCard Rewards Card benefits and features.
3. Application form: to go to the MyCard Rewards Card application form you need to press the “Apply button” on the card’s official page.
4. Fill Out the Application Form: Provide personal and financial details, including your employment and income information.
5. Submit Your Application: After reviewing your details, submit the application form.
6. Wait for approval: NAB will be in touch with you about your application.

Activating Your MyCard Rewards Card

Once you receive your MyCard Rewards Card, activation is easy:

1. Call to Activate: Use the number provided on the sticker attached to your card.
2. Online Activation: Log in to your account on the official MyCard website to activate your card.

MyCard Rewards Card Fees and Tariffs

The MyCard Rewards Card offers attractive features, but it’s important to be aware of the fees:

• Annual Fee: $199 p.a. for applications started before 1 October 2026; $249 p.a. for applications started on or after 1 October 2026.
• Purchase Rate: 22.49% p.a.
• Balance Transfer Rate: 0% p.a. for 12 months, with a 3% balance transfer fee.
• Interest-Free Period: Up to 44 days on retail purchases.
• Foreign Transaction Fee: 3.5% on international transactions.
• Rewards Earn Rate: 1 MyCard Reward Point per $1 on domestic spend, capped at $10,000 per statement period.

Fees and rates correct as at 26 August 2026; MyCard has advised changes from 1 October 2026.

From 1 October 2026, MyCard has advised that the annual fee becomes $249 p.a. for applications started on or after that date, and that the earn rate changes to 2 MyCard Reward Points per $1 at supermarkets and petrol, 1.5 points per $1 on other domestic spend, and 2 points per $1 on international spend.

Customer Service

Support for this card sits with National Australia Bank Limited (NAB) following the move to the MyCard brand. Current contact channels, account management and card activation details are published on the official MyCard website at mycard.com.au.