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

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You have the choice of the Low Rate or Platinum Mastercard branding - 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 branding 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. Terms, conditions, limits and exclusions apply. Refer to the Description of Insurance Cover booklet for further information.

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

Rewards cardholders can maximise their Reward points from additional cardholders.

To request an additional card, please complete, scan and email to, or post to Card Services, Reply Paid 1625, NSW 2001

Terms and Conditions apply.

Existing customers may be able to request a credit card limit increase or decrease by calling us on 1300 135 538. Please note that an application to increase your credit limit is subject to our credit criteria, your existing accounts being in good order at the time of processing and provided that you have not successfully applied for a credit limit increase or accepted an additional credit product from us in the last six months.

• Credit Limit Decrease

Existing customers are able to request a decrease on their credit limit through:

  1. 1. Internet Banking (available from 27 December 2018); or
  2. 2. contacting us on 1300 135 538.

To request a credit limit decrease through Internet Banking, simply log in and click on the right hand side quick task menu on Credit Limit Decrease (or got to Services>Card Services>Manage my account>Credit Limit Decrease)
If you have not used Internet Banking before, you will need to register first. It is important to note that your credit limit can't be lower than your product minimum and should you wish to reinstate your previous credit limit after it is decreased, your application to increase your credit limit will be subject to our lending criteria at that time

• Credit Limit Increase

Existing customers can contact us to increase their credit card limit and we will assess the request. An application to increase your credit limit is subject to our credit criteria

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), scan or take a picture and upload via, or alternatively mail your completed application to GPO Box 40 Sydney NSW 2001


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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 branding.

Your Mastercard branding 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 branding 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: complete the Easi-Pay form (PDF), scan or take a picture and upload via, or alternatively you can mail to GPO Box 40 Sydney NSW 2001


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

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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.

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:

# Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer,  Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued an insurance group policy to Citigroup Pty Limited ABN  88 004 325 080 AFSL and Australian credit licence 238098 (Citi) which allows eligible Citi account holders and cardholders to claim under it as third party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the Description of Insurance Cover Terms and Conditions which may be amended from time to time are available at Citi does not guarantee this insurance.

*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.