MyCard
ABN 12 004 044 937
Credit cards
MyCard publishes 5 credit or charge card products in its product data; 5 are ranked on the comparison. Rates are per annum as published by the bank; a card's annual fee is the yearly figure, with a monthly card fee multiplied by twelve.
Where its cards rank
MyCard's card for each customer segment and ranking on the credit card comparison, with its rank among the banks there.
| Card for | Ranking | Rank | Card | Purchase rate | Annual fee | Interest-free days | Credit limit | Balance transfer | Rewards | Conditions | Restrictions |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Personal | Low rate | 48 of 52 | Clear | 14.99% | $149 | 44 | $2,000 to $100,000 | 0.00% for 24 months | — | corrected from the bank's own page: the issuer's page offers 0% on balance transfers for 24 months with a 3% fee, reverting to the cash advance rate; its feed… | — |
| Personal | Balance transfer | 7 of 22 | Clear | 14.99% | $149 | 44 | $2,000 to $100,000 | 0.00% for 24 months | — | corrected from the bank's own page: the issuer's page offers 0% on balance transfers for 24 months with a 3% fee, reverting to the cash advance rate; its feed… | — |
| Personal | Rewards | 17 of 24 | Rewards | 22.49% | $249 | 44 | $2,000 to $100,000 | — | MyCard Rewards Program | credit limit $2,000 to $100,000; cash advance fee 3.5%, minimum $3.50, in Australia and overseas; offers not available when closing or transferring from anothe… | — |
Cards
Ranked cards
Clear credit card
purchase rate 14.99%; fee $149 a year; 44 interest-free days; credit limit $2,000 to $100,000; balance transfer 0.00% for 24 months, 3% fee, then 22.24%.
- corrected from the bank's own page: the issuer's page offers 0% on balance transfers for 24 months with a 3% fee, reverting to the cash advance rate; its feed carries no offer
- credit limit $2,000 to $100,000
- cash advance fee 3.5%, minimum $3.50, in Australia and overseas
- offers not available when closing or transferring from another MyCard card
- $2 a month paper statement fee
- 0% on balance transfers for 24 months, 3% transfer fee, then the cash advance rate
Premier credit card
purchase rate 22.49%; fee $300 a year; 44 interest-free days; credit limit $10,000 to $100,000; rewards: MyCard Rewards program.
- credit limit $10,000 to $100,000
- cash advance fee 3.5%, minimum $3.50, in Australia and overseas
- offers not available when closing or transferring from another MyCard card
- $2 a month paper statement fee
- up to 150,000 bonus points: 120,000 for $7,000 spend in 90 days, 30,000 more after 12 months
- alternative offer: up to 100,000 bonus Velocity Points via autoredemption
Premier Qantas credit card
purchase rate 22.49%; fee $350 a year; 44 interest-free days; credit limit $10,000 to $100,000; balance transfer 0.00% for 12 months, 3% fee, then 22.99%; rewards: MyCard Qantas Rewards program.
- corrected from the bank's own page: the issuer's page offers 0% on balance transfers for 12 months with a 3% fee, reverting to the cash advance rate; its feed carries no offer
- credit limit $10,000 to $100,000
- cash advance fee 3.5%, minimum $3.50, in Australia and overseas
- offers not available when closing or transferring from another MyCard card
- $2 a month paper statement fee
- 0.5 Qantas Points per $1, capped at $7,000 spend a statement period
- up to 80,000 bonus Qantas Points: 40,000 for $7,000 spend in 90 days, 40,000 more after 12 months
- bonus points not for anyone who holds or held a MyCard Premier Qantas card in the last 36 months
- 0% on balance transfers for 12 months, 3% transfer fee, then the cash advance rate
Rewards credit card
purchase rate 22.49%; fee $249 a year; 44 interest-free days; credit limit $2,000 to $100,000; rewards: MyCard Rewards Program.
- credit limit $2,000 to $100,000
- cash advance fee 3.5%, minimum $3.50, in Australia and overseas
- offers not available when closing or transferring from another MyCard card
- $2 a month paper statement fee
- 100,000 bonus points for $5,000 spend in 90 days (with 0% balance transfers for 12 months, 3% fee)
- alternative offer: 0% on purchases and balance transfers for 15 months, 2% transfer fee
- 2 points per $1 overseas and at supermarkets and petrol outlets, 1.5 elsewhere
Simplicity credit card
purchase rate 22.49%; fee $49 a year; 44 interest-free days; credit limit $2,000 to $100,000.
- credit limit $2,000 to $100,000
- cash advance fee 3.5%, minimum $3.50, in Australia and overseas
- offers not available when closing or transferring from another MyCard card
- $30 late payment fee
- 0% on purchases and balance transfers for 6 months from approval, then 22.49% on purchases
Ranked cards come first. "stale" means the bank has not updated the record for over 180 days. The "details" link opens the card's own page here, with every rate, fee, offer and feature its feed states; "source" opens our snapshot of the bank's product record.
We receive no payment from any lender for inclusion or ranking.
Data
This section is built from the bank's own published credit and charge card product data, refreshed daily. The same records are published as JSON with a source URL and the issuer's last-updated or document date on every row:
/au/finance/credit-cards/v1/brands/mycard.json: this issuer's cards, its ranked entries first./au/finance/credit-cards/v1/rates.json: every bank's cards in one file./au/finance/credit-cards/v1/best.json: the banks ranked per segment and ranking kind./au/finance/credit-cards/v1/index.json: dataset index, including every per-bank file.- the bank's live CDR credit and charge card feed (needs an
x-vheader).
Deep Almanac is a secondary source and this page is provided for general information and reference. It is not financial, investment, legal, valuation, educational or other professional advice, and it is not a substitute for checking the original source. Rates change without notice and banks may apply conditions not captured here. You are responsible for any decision you or your software makes in reliance on this page. See our terms of use.