From November 24 2025, Citi bank cards might be reimagined as the brand new, glossy model MyCard. Prospects will get a slick new app and improved on-line expertise, and up to date options together with slashed charges and complimentary cell phone insurance coverage.
The model’s new id is the ultimate stage of NAB’s long-term integration of Citi, which it acquired in 2022. It’s a transfer that the sometimes-clunky Citi wanted to carry it into alignment with NABs extra fashionable digital companies and streamlined buyer expertise.
Nevertheless, the advantages and rewards which have made Citi bank cards so fashionable will stay, albeit with a spread of recent playing cards and hues.
Citi clients could have acquired notification of the transition through e-mail, with extra communication to come back all through November, based on NAB.
Key modifications within the change from Citi to MyCard
- A greater digital expertise
Probably the most outstanding change is the model new MyCard app and web site portal, which is able to present a a lot better digital expertise for patrons and improved instruments to handle accounts. Prospects might be supplied with new login info. - New account and BPAY particulars
Whereas account numbers and BPAY codes will change, any present BPAY or recurring funds might be routinely processed to the brand new account quantity. Equally, the Citi-branded bank card quantity will keep the identical. Prospects will be capable of see the brand new account particulars within the new app or on the primary MyCard assertion. BPAY funds will not be accepted over the telephone. - New advantages
A really welcome new function is the addition of Samsung Pay as a cost possibility alongside Google Pay and Apple Pay. Prospects can profit from new complimentary Cell Telephone Insurance coverage offered by AIG with an eligible MyCard Visa or Mastercard account. - Up to date charges
One other welcome change is the elimination of the dishonour price and overlimit price (for relevant accounts) from November 24. Nevertheless, the Worldwide Transaction Price will enhance from 3.4% to three.5% of the transaction quantity (from November 17), and the annual price and extra cardholder price will enhance for some bank cards. - Adjustments to limits and interest-free days
Prospects with a steadiness switch who make the month-to-month “Curiosity free days cost” will now obtain curiosity free days on retail purchases. Whole money limits may even be aligned with credit score limits, and “Annual Main Cardholder Price” might be renamed “Annual Price”.
Adjustments to the Citi Rewards program
Citi Rewards might be renamed the MyCard Rewards program. Particulars on modifications to this system will be discovered within the new T&Cs underneath On-line Servicing.
The Citi Qantas Rewards program will develop into the MyCard Qantas Rewards Program and the $49 price might be eliminated and included within the annual price. The rewards steadiness might be moved to the app and on-line banking somewhat than the month-to-month assertion.
Companies which can be staying the identical
Whereas the brand new branding ought to present a greater buyer expertise, there are numerous options that may keep the identical. All through the transition and past, clients can use their card as common. No modifications might be made to bank card numbers.
All current balances and rewards will carry over to the brand new MyCard account routinely. NAB will proceed to be the bank card issuer and credit score supplier, so the change to MyCard is basically a beauty rebranding of Citi with improved options.
Present instalment plans and hardship plans might be unaffected.
How the transition will happen
NAB says clients can anticipate some service interruptions between now and November 24, 2025, however will be capable of use their bank card as regular for probably the most half.
For instance, clients won’t be able so as to add additional cardholders, enhance credit score limits or create new instalment plans till the rollout is full. Prospects who shut their account between November 14 to 24 will obtain their refund after November 24, and Financial institution@Submit transactions might be paused between November 20 and 23.
No on-line companies might be obtainable between 7.30pm 21 November and 24 November.
Prospects ought to ensure they’re receiving communication from NAB in regards to the upcoming modifications.
What can clients do now?
Cardholders can watch for extra directions on downloading the brand new MyCard app and login info for the net companies. Any questions will be despatched to cardservicesdirect.com.au/contactus.
The MyCard model rollout will carry higher tech and welcome price cuts to its clients, but it surely’s value wanting via any new phrases and circumstances. Charges have modified, and it’s possible there might be modifications to its rewards program and redemption choices. Total, the transition ought to ship a extra fashionable, NAB-backed expertise for Citi clients shifting ahead.
