From November 24 2025, Citi bank cards will probably 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 fashionable digital providers and streamlined buyer expertise.
Nevertheless, the advantages and rewards which have made Citi bank cards so in style will stay, albeit with a spread of latest playing cards and colors.
Citi clients may have acquired notification of the transition through electronic mail, with extra communication to return all through November, in response to NAB.
Key adjustments within the swap 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 will probably be supplied with new login data. - New account and BPAY particulars
Whereas account numbers and BPAY codes will change, any present BPAY or recurring funds will probably be robotically 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 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 Cellular 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 payment and overlimit payment (for relevant accounts) from November 24. Nevertheless, the Worldwide Transaction Payment 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 stability switch who make the month-to-month “Curiosity free days cost” will now obtain curiosity free days on retail purchases. Complete money limits may also be aligned with credit score limits, and “Annual Main Cardholder Payment” will probably be renamed “Annual Payment”.
Modifications to the Citi Rewards program
Citi Rewards will probably be renamed the MyCard Rewards program. Particulars on adjustments to this system will be discovered within the new T&Cs below On-line Servicing.
The Citi Qantas Rewards program will change into the MyCard Qantas Rewards Program and the $49 payment will probably be eliminated and included within the annual payment. The rewards stability will probably be moved to the app and on-line banking quite than the month-to-month assertion.
Providers which are staying the identical
Whereas the brand new branding ought to present a greater buyer expertise, there are lots of options that may keep the identical. All through the transition and past, clients can use their card as typical. No adjustments will probably be made to bank card numbers.
All present balances and rewards will carry over to the brand new MyCard account robotically. NAB will proceed to be the bank card issuer and credit score supplier, so the change to MyCard is actually a beauty rebranding of Citi with improved options.
Present instalment plans and hardship plans will probably 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 essentially the most half.
For instance, clients won’t be able so as to add additional 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@Publish transactions will probably be paused between November 20 and 23.
No on-line providers will probably be out there between 7.30pm 21 November and 24 November.
Prospects ought to be certain they’re receiving communication from NAB in regards to the upcoming adjustments.
What can clients do now?
Cardholders can look ahead to extra directions on downloading the brand new MyCard app and login data for the net 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 clients, however it’s value trying by way of any new phrases and circumstances. Charges have modified, and it’s seemingly there will probably be adjustments to its rewards program and redemption choices. Total, the transition ought to ship a extra fashionable, NAB-backed expertise for Citi clients transferring ahead.
