MyCard Rewards Card

The MyCard Rewards Card is a rewards credit card designed to help you earn points on everyday purchases and redeem them through the MyCard rewards program. You earn 1 MyCard Reward Point per $1 spent on domestic purchases, capped at $10,000 per statement period.

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.

The card also offers 0% p.a. on balance transfers for 12 months, with a 3% balance transfer fee, giving you time to manage existing debts without extra interest. The annual fee is $199 p.a.

Fees and rates correct as at 26 August 2026; MyCard has advised changes from 1 October 2026: the annual fee becomes $249 p.a. for applications started on or after that date, and the earn rate changes to 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.

Explore the advantages

• Earn on domestic spend: Earn 1 MyCard Reward Point per $1 spent on eligible purchases in Australia, capped at $10,000 per statement period.
• Balance transfer offer: 0% p.a. on balance transfers for 12 months, with a 3% balance transfer fee.
• Purchase rate: 22.49% p.a. on purchases.
• 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.
• New earn rates 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.
• International transaction fee: 3.5% applies to purchases made overseas or in a foreign currency.

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.

Why choose the MyCard Rewards Card?

The MyCard Rewards Card is a good option for anyone who wants their everyday domestic spending to earn points. Whether you’re buying groceries, paying bills, or planning a holiday, you’ll be earning MyCard Reward Points on eligible purchases up to the $10,000 per statement period cap.

The 0% p.a. balance transfer offer for 12 months, with a 3% balance transfer fee, also makes it worth a look if you are carrying a balance on another card.

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