Mycard Reviews 40

Absolute day light robbery. I am paying $200 pm and 70% of that is paying off interest. I will be reporting this to ASIC!!! Bloody disgrace!!!!

The worst financial product I have ever had, being charged late fees, interest anything they can find even though paid off in full. Service is horrendous, no point even trying to question it, they don't care.

Pretty sure this is a scam. I tried to sign up for a credit card, entered all my details and uploaded identification documents then was told they couldn’t verify me and now the call centre said it’s a glitch and I can’t sign up for the card anymore. Steer well clear

Like Ruben's post, I was forced over to NAB MyCard when Suncorp (now owned by ANZ) ceased it previous credit card arrangement. I left ANZ 20+ years ago to get away from it and the big 4 banks. As I thought, NAB has decided to now charge an annual fee which Suncorp didn't. They're jacking up the interest rates and think that now including "complimentary mobile phone protection insurance" will compensate for their inability to put systems in place to prevent phone fraud impacting your phone banking. History shows that eventually they will impose a charge for that insurance. What's more, they have made it a confusing legal babble speak process to try to understand how the insurance will protect you. It's just a scam trying to make you believe you are being protected from scammers. I'm going to opt out of this card and move to a smaller bank option where interest rates are lower and they still have your interests at their core. My advice...get rid of your MyCard.

The worst card you can have. They forced my move from Suncorp without even asking. The customer service is terrible, one operator gives you an information and another one a different one. They told me I was going to get my fees removed as I was moving to another card and not only they charged me but they also find a way to charge interest even if I pay back the full amount every single month. I will be moving soon to anything but this

Absolutely horrible application process which makes me wonder how NAB managed to screw up Citi products so badly.

I tried applying for their credit card product, and their ID verification system did not even work properly. Then I got locked out from applying and the non-existent customer service was actually worse than I expected (and I had low expectations given the bad reviews given here as well as in other forums).

Apparently it is a well known fact that their ID Verification system has been having issues for a few months now, and yet nothing was done.

Part of me thinks they don't even care about making money or gaining customers. They're around just for the vibes.

Not happy , can’t access any funds if you needed . Before when its Citibank Ready Card .. easy smooth .. when u got available funds you can access funds for emergency with certain fixed payment options and offers low rate ( but advertising existing customers can access the fixed payment options ).been with Citibank for many many years .. (now with that MYCARD 😭😭let down for many people who has been with Citibank for years)

I have been a Ciribank Customer for over 30 years. This is the worst experience that I have had. MyCard told me that I will receive a new card. It never arrived. There have been transactions on my account, and I cannot verify them. I requested a new card on 6 March 2026. It was promised to take 5-7 business days. It arrived on 18 March 2026, along with another card for someone else. I reported that to the service desk. They promise to contact me. No contact from Mycard on any matter. The service desk asked me to destroy the other card. I refused to destroy evidence until Mycard gives in writing instructions to do so.

Online website is hopeless.
Can't open up any statements. When I asked customer service, they first told me to turn it on and off!!! Then they said I can only open them on the app. But if you are trying to do accounts on the computer, it makes sense to be able to open your statements on your computer.
Customer service doesn't know anything!

I’ve held credit cards for over 20 years across the major banks and smaller institutions, and I can honestly say this is the worst credit card product and system I’ve ever encountered.

The MyCard platform is extremely difficult to use. It feels outdated, unnecessarily complex, and overly restrictive. Simple tasks that should be straightforward become frustrating and time-consuming, which is not what you expect from a modern financial product.

What makes matters worse is the lack of meaningful support. There is no clear, accessible Australian-based service, no branch network, and very limited ability to get timely or practical assistance when you need it.

To be clear, this has nothing to do with creditworthiness, I have an excellent credit rating and no difficulty obtaining credit elsewhere. The issue is entirely with the systems, processes, and overall user experience, which feel archaic and poorly designed.

My strong advice to anyone considering this card is simple, look elsewhere. There are far better, more user-friendly options available.

Sharay hookey
I am 23

Worst service ever, even after lodging a complaint it’s been 2 weeks not one word

Nothing works on the app

Citibank Card was still valid all of a sudden its deactivated as apparently the new card was sent out !!!

Despite the fact the new card was not received or activated didn't clue them in! Idiots.

Pretty much left me stranded abroad! A week after returning from said trip and the new card hasn't yet arrived.

Customer Service was a joke and non existent other than repeating a script. Absolute Crap!

The system cannot identify me properly, and I’ve been unable to resolve the issue through their phone support. They attempted to call, but I could not hear the representative clearly.

I am also receiving reminders to pay $4,000, even though I do not owe this amount. This is concerning and needs to be addressed promptly.

I understand the company is apparently owned by NAB, and I hope this matter can be resolved professionally and without further inconvenience.

Transferred across from Citibank. Call centre is based overseas, and they are USELESS. I am closing the account

How does this company make money? Application process is dismal and I cant even get Identified because their system is down. Their customer service is appauling and they cant even help. They take hours to respond via chat. Useless.

This has to be reported. Why is nobody doing anything about this SCAM.
Taking money. Balances not being adjusted. Comes up on my phone as a “Suncorp” transaction one time then a “NAB” transaction next time. Can’t get a clear answer when calling them. Absolutely no say when transferred from previous credit card. SCAM SCAM

MyCard Australia is a scam. The business was bought over by NAB from Citi Australia. With the Citi card I was able to transfer points to several airlines. After they switched to the new app they took away all the airline points benefits of the card, and only allowed switch to virgin, even those points that I had accumulated before the switch. There was no communication this would be done. This clearly is a scam and unethical business practice by MyCard.

Absolute crap. Looks like their developers are from primary school, they should learn app functionality from other banks. To see the repayment amount you need to download statements. What??
Support team is useless.