Card
Offer
MyCard Premier
Public offer
Offer terms
First Year Points
120,000 points
MyCard
Second Year Points
30,000 points
With $300 annual fee
Minimum Spend
$7,000
within 3 months
Cash Bonus
Ongoing Earn Rate
1.50x points per $1 spent
Fees
First Year Annual Fee
$300
Ongoing Annual Fee
$300
From year 2 onwards
Note: Additional fees may apply for cash advances, foreign transactions, overlimits, and late payments. Check the issuer's terms and conditions for complete fee details.
Recorded benefits
- Lounge Access2 visits/year · Priority Pass
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Complimentary digital Priority Pass Standard Membership for the primary cardholder with 2 complimentary lounge visits per 12-month membership year (1,700 lounges worldwide); must enrol at prioritypass.com/premieraumc; additional and guest visits charged at standard rates
- Concierge Service
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Complimentary personal concierge service for the primary cardholder, provided by Mastercard Travel & Lifestyle Services
- Hotel Benefits
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Up to 15% off eligible Luxury Escapes hotels and 10% off selected Expedia and Wotif hotels; max discount $250 per transaction on Luxury Escapes, promo codes apply
- Points Transfer Benefits
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Transfer MyCard Reward Points to loyalty partner programs including Flybuys and Velocity Frequent Flyer
- No Additional Cardholder Fee
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No additional cardholder fee ($0); up to 4 additional cardholders per account
- Balance Transfer Offers
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0% p.a. for 6 months on balance transfers (no fee), or 0% p.a. for 12 months on balance transfers with a 3% balance transfer fee depending on offer chosen; reverts to cash advance rate (currently 22.99% p.a.) after the promotional period
- Interest Free Periods
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Up to 44 interest-free days on retail purchases
- Installment Plans
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MyCard Instalment Plan lets eligible cardholders pay off eligible purchases at a set interest rate over a set term using part of the existing credit limit
- Travel InsuranceUp to $20,000,000 cover · trips up to 180 days
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Complimentary international travel insurance for trips up to 6 months when at least $500 of prepaid travel costs are charged to the card (cardholders aged under 81), with overseas emergency medical and assistance cover up to $20 million; complimentary domestic travel insurance also available for trips up to 28 days
- Purchase Protection Insurance
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Eligible items charged to the card covered against theft, accidental damage or permanent loss for 90 days from purchase; jewellery, watches and new works of art limited to $5,000 per claim, up to $200,000 per card account in any 12-month period; no excess
- Extended Warranty Insurance
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Extends the manufacturer's Australian warranty on eligible items charged to the card by up to one additional year (no cover if manufacturer's warranty exceeds 5 years); up to $10,000 per item and $40,000 per card account in any 12-month period; no excess
- Rental Vehicle Insurance
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Rental vehicle excess insurance in Australia covering damage or theft excess up to $10,000 per rental period when the entire rental is charged to the card; $100 excess per claim
- Mobile Phone Insurance
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Covers accidental damage or theft of an eligible postpaid mobile phone when the preceding month's postpaid bill is paid in full with the card; up to $1,000 per occurrence and $1,650 annual aggregate, $50 excess
Benefit history
- Lounge AccessUpdated May 2026
- Hotel BenefitsUpdated May 2026
- Points Transfer BenefitsUpdated May 2026
- Installment PlansUpdated May 2026
- Interest Free PeriodsUpdated May 2026
- Balance Transfer OffersUpdated May 2026
- No Additional Cardholder FeeUpdated May 2026
- Concierge ServiceUpdated May 2026
- Rental Vehicle InsuranceUpdated May 2026
- Extended Warranty InsuranceUpdated May 2026
- Purchase Protection InsuranceUpdated May 2026
- Mobile Phone InsuranceUpdated May 2026
- Travel InsuranceUpdated May 2026
I'd like to use my bonus for:
Craig's AnalysisBonus Difficulty
Moderate
●●○$78 per day required
First Year Cost
$300
annual fee
Earn Rate
Good
●●●○1.50x MyCard points per $1
Travel Benefits
Lounge Access
Priority Pass – one digital Standard membership with two complimentary lounge visits per 12-month membership (primary cardholder only)
Did this help you make a decision?
Can I get this bonus if I have held a card before?
The bonus holding rule for this offer is unverified. Check the offer terms before applying. No fixed waiting period. MyCard's terms say the bonus is "only available when you apply for a new" card and "not available when closing or transferring from another MyCard branded credit card account." Whether closing one MyCard and immediately applying for another qualifies isn't spelled out — confirm with MyCard.
See exclusion periods for every Australian issuer →Offer terms history
These are published versions of this offer's terms. Each version preserves the conditions available at that time.
Published 2 Oct 2026
Changes from terms version 3
Changes from terms version 2
Changes from terms version 1
First recorded terms