MyCard Low Rate MasterCard

MyCard Low Rate MasterCard
Enjoy a low rate 9.9% for 12 months on retail purchases!1. After the 12 month period the standard credit card retail purchase rate of 12.99% p.a. will apply to all purchases1.


mycard low rate mastercard


  •   $49 annual fee for life
  •   0% for 6 months on balance transfers.
      After the 6 months period the standard
      advance rate of 21.74% will apply
  •   Generous credit limits subject to credit
  •   Up to 55 days interest free2
  •   Purchase Cover Insurance3
  •   Guaranteed Pricing Scheme3   


Terms and Conditions apply. Fees and charges apply and are available upon request. Final approval of your MasterCard application will be subject to satisfying Card Services credit criteria.

Click here for MyCard MasterCard application form

MyCard MasterCard Fees & Charges

1. Actual credit limit will be assigned based on our Credit Criteria, your credit rating, and subject to confirmation that you earn a minimum of $25,000 p.a. for the Low Rate card. Credit limit is up to $15,000 at point of initial approval. Over time, you may apply to increase your credit limit if you satisfy our credit criteria.

2. The maximum 55 days interest free period applies when you pay your balance off in full for two consecutive months. If you carry a balance on your credit card from month to month the 55 days interest-free period does not apply and you are charged interest once you make a purchase. No interest free period is available on Cash Advances or Balance Transfers.

3. Complimentary insurance is provided automatically to cardholders under a master agreement between Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL No. 232507 and Citigroup Pty Limited, and are subject to Terms and Conditions and exclusions available at An excess applies to Purchase Cover Insurance.

© 2012 Card Services is a division of Citigroup Pty Limited ABN 88 004 325 080, AFSL No. 238098, Australian Credit Licence No. 238098 which provides and administers credit.

















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