Get the most from your card.

Get the most from your card.

About Your Mastercard

Your Mastercard offers you a unique and competitive credit card, with many money-saving features and great benefits.

Card Options

Click on    to expand and on    to minimise the details.

You have the choice of the Low Rate or Platinum MasterCard - whichever best suits your needs.

The Low Rate MasterCard is a simple, no frills product with a lower rate and basic features such as up to 55 days interest free; the option to have up to four additional cards and complimentary purchase cover#.

The Platinum Mastercard allows you to get more out of the Card Services Rewards program with the ability to earn 1 Reward point for every dollar spent on Eligible Transactions. Complimentary travel insurance, purchase cover and the Platinum Concierge Service is also included#.

Click here to view which complimentary insurances you are eligible for.

What Cover is available?

The type of cover available depends upon the type of Card Services credit card you have and is shown on the following table.

You may be eligible to upgrade your Mastercard to a Platinum credit card. To find out if you are eligible and to apply for an upgrade call us at 1800 108 307 and select option 2.

Share the benefits with up to 4 additional credit cards (please contact Card Services on 1300 135 538 for additional card fees that may apply).

Rewards cardholders can maximise their Reward points from additional cardholders.

To request an additional card, please complete the Additional Cardholder Form and you can either fax back to 1300 301 304 or post to Card Services, Reply Paid 1625, NSW 2001.

Terms and Conditions apply.

You may be eligible to enjoy the freedom that additional credit can offer. To find out if you are eligible and to apply for a credit limit increase call us at 1800 108 307 and select option 2.

Set up direct debit and your monthly credit card payments will be automatically made for you on time from your requested bank account.

By using Easi-Pay you will avoid the hassle of remembering to make repayments each month and incurring unwanted late fees. Please ensure there are sufficient funds in the account on the monthly due date.

Simply complete the Easi-Pay form (PDF) and you can either fax back to 1300 794 785 or post to Card Services, Reply Paid 1625, NSW 2001.


Click on    to expand and on    to minimise the details.

You may receive up to 55 days interest free from the date of your transactions, on purchases of goods, services and bill payments with your MasterCard.

Your MasterCard is accepted at over 22 million establishments worldwide, which means you should never have any problems accessing funds. You can withdraw:

  • Up to $1,000 a day at ATMs within Australia and overseas.

With Easi-Pay, repayments on your MasterCard are automatically transferred from your nominated bank account - subject to available funds. The direct debit takes place prior to the Payment Due Date and there is no charge by Card Services for this service.

Setting up Easi-pay is simple. Sign and fax the completed Easi-Pay Application Form to Card Services on 1300 794 785.


Enjoy our great value Card Services Rewards program* with over 300 items on offer

Platinum Mastercard cardholders enrolled in the Card Services Rewards Program can earn Card Services Reward points* with every Eligible Transaction. Platinum cardholders will earn 1 point per dollar spent on Eligible Transactions.

Shopping vouchers: Myer, David Jones, Target, Bunnings are just a few of the vouchers on offer. Also available are electronics, magazine subscriptions, stuff for the kids and much more!

Cashback: Use your Reward points to reduce the outstanding balance on your account or to pay your annual fee.

Travel: The Travel Centre is your ticket to a world of rewards. You can redeem your points for a quick weekend getaway, or save them for the trip of a lifetime. A simple search lets you see the possibilities, from sun-drenched beaches and city skylines, to snow-covered slopes.
But the experience isn't just the destination. The Travel Centre lets you book flights and hotels, rent cars and access a range of holiday packages.

Now's the perfect time to plan your escape!

Log on for more information

Available for Silver, Gold and Platinum card holders.

Airline Program

As a Card Services Credit Card Member you have access to KrisFlyer, Emirates Skywards and Velocity airline partners. You can transfer your points into any of these programs and redeem for their points.

Only available for Gold and Platinum card holders only.

More Rewards options

Take a tour of what's on offer

Insurances and Security

Click on    to expand and on    to minimise the details.

MyCard MasterCard credit card cardholders are eligible for complimentary insurance cover. Check below to see which complimentary insurance policies your card carries.

For each complimentary insurance policy you are eligible for, please ensure you take the time to review the full terms and conditions. When you do, make sure you pay special attention to the benefits, eligibility and exclusions. It is particularly important to do this before travelling or purchasing goods as your cover may not be sufficient for your personal circumstances.

For additional information on the Complimentary Insurance policies, please see below, or review the
Description of Card Services Insurance Cover.

CardAssure may provide important benefits if you:

  • Experience a life event such as getting married or buying a brand new car
  • Become involuntarily unemployed
  • Become injured or ill and unable to work
  • Are diagnosed with cancer, have a heart attack or a stroke;
  • Pass away.

Affordable monthly premiums

CardAssure costs just 69c per $100 of the outstanding balance on your monthly statement.

Guaranteed cover

All eligible Card Services credit holders aged 18 to 59 years who are Australian citizens or permanent residents are guaranteed cover under CardAssure1.

View the CardAssure Product Disclosure Statement (Adobe PDF, 148kb)

View the Insurance Financial Services Guide (Adobe PDF, 56kb)


If we detect any irregular transactions on your account we'll contact you.

If you need to check or update your contact details please contact Card Services on 1300 135 538 or you can log into online banking and select the 'Account Services' tab, then click on 'My Details' and 'Change my Contact Details'.

Secure chip technology is fast becoming the global standard in the effort to minimise card fraud. The new technology uses a microchip embedded in your credit card to securely store your card's data and is designed to make your everyday transactions more secure.

A chip credit card provides greater security than a card with just a magnetic stripe as the microchip makes it more difficult to fraudulently copy the details of your card. For more details about chip credit cards refer to the FAQs section.

if you are looking for information about an existing insurance policy, please click here.

Important information:

# For any claims lodged on or after 1st May 2016, Complimentary Insurance is issued and managed by AGA Assistance Australia Pty Limited (trading as Allianz Global Assistance) (AFSL No.245631 ABN 52 097 227 177), 74 High Street, Toowong QLD 4066 on behalf of the insurer Allianz Australia Insurance Limited (AFSL No. 234708 ABN 15 000 122 850), 2 Market Street, Sydney NSW 2000, and is subject to Terms, Conditions, and exclusions, some limits and excess may apply. The Terms and Conditions are available at

For any claims lodged prior to 1st May 2016, 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 is subject to Terms, Conditions and exclusions, some limits and excess may apply. The Terms and Conditions are available at

*Rewards are subject to the Terms and Conditions of the Card Services Rewards Program. Certain transactions do not earn Reward Points. The definition of an Eligible Transaction is set out in the Rewards Program Terms and Conditions and means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and travellers cheques, transactions made in operating a business, bank fees and charges such as interest and ATM charges, transactions made using Points and government related transactions. Government related transactions include transactions with government or semi-government entities, or relating to services provided by or in connection with government (for example but not limited to transactions made at Australia Post, payments to the Australian Taxation Office, council rates, motor registries, tolls, parking stations and meters, fares on public transport, fines and court related costs). Please note that whether or not a transaction is an Eligible Transaction will be determined based on information provided either by the merchant or the relevant financial institution (including information about the type of business conducted by the merchant). This means that, for example, spend with certain merchants may be characterised as spend with a government related entity and therefore not an Eligible Transaction, even if that merchant is not in fact a government related entity. For full rewards terms and conditions please refer to the Card Services Rewards Terms and Conditions available at

Offer subject to Card Services credit criteria, your existing Card Services accounts being in good order at time of processing and provided that you have not accepted a Credit Limit Increase offer or another Card Services offer in the last 6 months.

1. The issuer of CardAssure is MetLife Insurance Limited ABN 75 004 274 882, AFSL 238096 (MetLife).
Card Services (a division of Citigroup Pty Limited ABN 88 004 325 080, AFSL No. 238098, Australian credit licence 238098) is the distributor of this insurance and provides administration services in relation to the insurance under an arrangement with the issuer, MetLife. This material is of a general nature only and is not intended to constitute financial product advice. To apply for CardAssure you need to be aged 18 to 59 years old. Application criteria also includes being an Australian citizen or a New Zealand citizen or an Australian permanent resident and residing in Australia at the time of applying. You must have based your decision to purchase this insurance on the CardAssure Product Disclosure Statement (PDS) which you have read and considered and which includes details on privacy and how personal information is collected and disclosed. MetLife's obligations do not represent deposits or liabilities of Citigroup Pty Limited.