The move to MyCard, brought to you by NAB

The Citi consumer banking business in Australia was acquired by National Australia Bank Limited (NAB) on 1 June 2022. As part of this transition, we are moving Citi branded accounts to a new brand called MyCard, brought to you by NAB.

In October 2025, we sent communications, including a variation notice to your nominated email or postal address. You can find the Variation Notice and updated terms and conditions at citibank.com.au/credit-cards/terms.

No, your existing Citi branded account will automatically move to MyCard as part of the system change on 24 November 2025.

Yes. You can still use the same physical card, or the card stored in your digital wallet to make purchases or payments.

From 24 November 2025 you will see the same card number and expiry date on the MyCard App and Online, however the CVC (Card Verification Code) will be different to the CVC on your physical card and will change every 18 hours as an additional security feature.

You will receive a new account number (which is also your BPAY reference number) on your first MyCard statement or under ‘Account details’ in the new MyCard App and Online.

Yes, if you have given your card details to a merchant to make regular payments, such as subscription services or regular bills, these payments will continue. Additionally, any BPAY^® payments that have been scheduled will continue as normal. You should update the BPAY reference number to your new account number once you receive it. However, if you make a payment using your existing BPAY reference number, your payment will still get processed to your account.

Yes. If you use Easi-Pay to automatically pay your account on the due date, this will be transferred to the new system and become known as AutoPay from 24 November 2025. With this change will also come changes to how your payments will work. Please read the Variation Notice for more details, including an example about how the changes may impact you.

No. We’re introducing a new dedicated MyCard App and MyCard Online experience to manage your account. We’ll send you all the details on how to get set up in the new MyCard App and Online experience when it’s launched.

You will need your card number to register for the new MyCard App and Online. If you don’t have an existing card or are unable to find your card number, please call us on 13 24 84 for assistance.

We have notified you, if there are any changes to the features and benefits to your account.

You will be able to access statements securely in the MyCard App or Online once it is set up. If you currently receive electronic statements, we’ll no longer send you electronic statements via email however we’ll send you an email or SMS when your statement for the month is available to view. You will also be able to view 7 years’ worth of previous statements in the MyCard App or Online.

No, if you have an existing financial hardship agreement in place it will not be impacted.

If you are currently sharing your data through Consumer Data Right / Open Banking, your active ongoing data sharing arrangements will be withdrawn on 23 November 2025. The Accredited Data Recipient(s) (i.e. who you are sharing your data with) will be notified.

From 24 November 2025, you will be able to create new data sharing arrangements after you have set up the new MyCard App or Online. You will also be able to see your historical data sharing arrangements in your new dashboard. This will include any consents withdrawn on 23 November 2025. Please note that the historical consent data may take up to 72 hours to become available.

Yes, the following changes will apply.

• Dishonour and Overlimit Fee: We are removing these fees. The Overlimit Fee applied to accounts opened before 1 July 2012.
• International Transaction Fee: This will be changing from 3.4% to 3.5% of the transaction amount.
• Total Cash Limit: If you currently have a Total Cash Limit that is less than your Credit Limit, this will increase to be equal to your Credit Limit. This may increase your liability in the case of Unauthorised Transactions.
• Interest Free Days on Retail Purchases: If your product has interest free days, you'll be able to benefit from interest free days on Retail Purchases by paying the Interest Free Days Payment by the Payment Due Date. The 'Interest Free Days Payment' will be shown on your statement if you have a Balance Transfer and/or Instalment Plan.
• Annual Additional Cardholder Fee (applicable to MyCard Rewards accounts): Card activation by the additional cardholder will no longer be required before this fee is charged. For new additional cardholders added from the Transition Date, the first fee will be charged when the additional cardholder is added, or the account is first used (whichever is later). The first fee for a new additional cardholder may be charged pro rata if conditions are met. See the Variation Notice for details.

Please review the Variation Notice we sent to your nominated email or postal address for more details. You can also find the Variation Notice and updated Terms and Conditions at citibank.com.au/credit-cards/terms.

Your Citi Rewards Program or Citi Qantas Rewards Program will be renamed MyCard Rewards Program and MyCard Qantas Rewards Program. The way you earn and redeem Points will not change. More information on how you redeem your Rewards are set out in the updated MyCard rewards terms and conditions.

No, your Points balance will no longer appear on your statement from 24 November 2025. You will be able to view your Points balance through the new MyCard App or MyCard Online once you have set it up.

No. If you currently hold more than one card for the same account under your name, only one will remain active. You will receive separate communication confirming which card/s will be closed and the date this will take effect.

There are no changes to your consumer credit insurance policy. The policy will continue as per the terms and conditions of your Product Disclosure statement.

Yes, the following changes will apply.

• International Transaction Fee: This will be changing from 2.5% to 3.5% of the transaction amount.
• Total Cash Limit: If you currently have a Total Cash Limit that is less than your Credit Limit, this will increase to be equal to your Credit Limit. This may increase your liability in the case of Unauthorised Transactions.

Please review the Variation Notice we sent to your nominated email or postal address for more details. You can also find the Variation Notice and updated Terms and Conditions at citibank.com.au/credit-cards/terms.

No. Once you have registered on the new MyCard App or Online experience, you will need to reset your card PIN to be able to use your card after 24 November 2025. If you are unable to change your PIN on the MyCard App or Online experience after the transition date, you can request a PIN to be sent to your mailing address.

No. You will no longer be able to make payments using your account BSB and account numbers. This means that you will not be able to transfer money to another Australian bank account or by telegraphic transfer or set up periodic payments or direct debits. You can continue to pay merchants and set up recurring transactions using your card number or pay bills through BPAY^® online.