From November 24 2025, Citi bank cards will likely be reimagined as the brand new, smooth 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 deliver it into alignment with NABs extra trendy digital providers and streamlined buyer expertise.
Nevertheless, the advantages and rewards which have made Citi bank cards so widespread will stay, albeit with a variety of latest playing cards and hues.
Citi prospects can have obtained notification of the transition through e mail, with extra communication to come back all through November, in accordance with NAB.
Key adjustments within the swap from Citi to MyCard
- A greater digital expertise
Probably the most distinguished 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 will likely 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 will likely 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 now not be accepted over the cellphone. - New advantages
A really welcome new characteristic is the addition of Samsung Pay as a cost choice alongside Google Pay and Apple Pay. Prospects can profit from new complimentary Cellular Cellphone Insurance coverage supplied by AIG with an eligible MyCard Visa or Mastercard account. - Up to date charges
One other welcome change is the removing of the dishonour payment and overlimit payment (for relevant accounts) from November 24. Nevertheless, the Worldwide Transaction Charge will improve from 3.4% to three.5% of the transaction quantity (from November 17), and the annual payment and extra cardholder payment will improve for some bank cards. - Modifications 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. Complete money limits may even be aligned with credit score limits, and “Annual Main Cardholder Charge” will likely be renamed “Annual Charge”.
Modifications to the Citi Rewards program
Citi Rewards will likely be renamed the MyCard Rewards program. Particulars on adjustments to this system will be discovered within the new T&Cs underneath On-line Servicing.
The Citi Qantas Rewards program will change into the MyCard Qantas Rewards Program and the $49 payment will likely be eliminated and included within the annual payment. The rewards steadiness will likely be moved to the app and on-line banking slightly 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 a lot of options that can keep the identical. All through the transition and past, prospects can use their card as normal. No adjustments will likely 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 will likely be unaffected.
How the transition will happen
NAB says prospects can count on 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, prospects will be unable so as to add further cardholders, improve 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 will likely be paused between November 20 and 23.
No on-line providers will likely be obtainable between 7.30pm 21 November and 24 November.
Prospects ought to ensure that they’re receiving communication from NAB concerning the upcoming adjustments.
What can prospects do now?
Cardholders can look forward to extra directions on downloading the brand new MyCard app and login info for the web providers. Any questions will be despatched to cardservicesdirect.com.au/contactus.
The MyCard model rollout will deliver higher tech and welcome payment cuts to its prospects, nevertheless it’s price wanting via any new phrases and circumstances. Charges have modified, and it’s seemingly there will likely be adjustments to its rewards program and redemption choices. Total, the transition ought to ship a extra trendy, NAB-backed expertise for Citi prospects transferring ahead.