Even more rewarding

The Myer Credit Card comes with a host of extra benefits to make shopping even more rewarding

Endless rewards

The Myer Credit Card lets you earn uncapped MYER one Credits wherever you shop. Instead of 2 Credits, you’ll now earn 3 Credits for every $1 spent at Myer. You’ll also earn 1 Credit for every $1 spent anywhere else.

Dual purpose credit and MYER one card

Combine your credit card and MYER one card into a single card - your MYER one card number and barcode are included on the back of your credit card so you only have to present the one card at point of sale.

Key features

Forget the annual fee

With zilch to pay for the first year and then only $69 ongoing, shopping with the MYER Credit Card is a smart way to avoid hefty fees.

0% balance transfer for 14 months from approval ³

When you apply and are approved for the Myer Credit Card.

Pay with Google Pay and Apple Pay

The Myer Credit Card is ready to go mobile with Google Pay and Apple Pay.

Easily manage your account online or on your phone

Get access to budget trackers, transaction categorisation and real time push notifications to your phone whenever you spend. Our new Myer Credit Card app and online services will make managing your account easy.

Up to 55 days interest free on purchases ⁵

When you pay your balance in full by the due date shown each month (excluding any balance transfers and Interest Free Finance balances that are in the specified promotional period).

Visa zero liability policy ⁶

Use your card to shop with total confidence, as you’ll always be protected against unauthorised use.

Guilt free shopping

Why pay interest? Receive 6 months interest free for purchases over $250 at Myer in a single transaction. Now you can shop without any regrets.

Account access in your pocket

Easy to use features and a seamless mobile experience make managing your account a breeze:

  • Added security with real time push notifications for transactions
  • Spending and budgeting tools
  • Credit card bill reminders
  • Transaction categorisation and tagging
  • Card security with the ability to instantly lock and unlock your card
  • Pay with Google Pay and Apple Pay

Fees and rates

Fees/rates Value Details
Minimum Credit Limit $1,000 If your approved credit card limit is less than $6,000, you will receive a Myer Credit Card. For credit limits of $6,000, you will receive a Myer Platinum Credit Card. undefined
Annual Primary Cardholder Fee $69 (waived first year)
Annual Additional Cardholder Fee $9 (waived first year)
Annual Percentage Rate on Purchases 20.69% p.a The interest you pay on purchases
Annual Percentage Rate on Cash Advances 20.69% p.a. The interest you pay on cash advances
Promotional balance transfer rate 0% p.a. for 14 months from card approval Reverts to the annual percentage rate for purchases on expiry
Minimum Repayments 2.50% of the closing balance (rounded up to the nearest dollar) or $50, whichever is greater If the closing balance is less than $50, full closing balance must be paid.
Insurance Purchase Security Insurance and Wallet guard⁷ This insurance is a complimentary benefit of the Myer Platinum Credit Card
Concierge 24/7 Concierge Service This service is a complimentary benefit of the Myer Platinum Credit Card. To contact your concierge service, call +61 2 9025 2817 in Australia and quote your Myer Platinum Credit Card number.
Interest Free Days Up to 55 days on purchases only, when you pay your balance in full by the due date each month To receive the interest free period, you are not required to repay any balance transfer and/or Interest Free Finance balances that are in the specified promotional period.
Late Payment Fee $35 This is charged if you do not pay any amount that is due and payable (e.g. your minimum monthly payment) by the due date.
Overlimit Fee $30 This is charged if the balance of your account exceeds your credit limit at any time during a statement period and you have provided your consent to incur a fee related to this service.
Information Request Fee $7 For each document of written information provided which includes each duplicate statement provided
Paper Statement Fee $2.50 This is charged for each statement if you elect to receive paper statements.
Cash Advance Fee $5 or 3% of the value of the transaction, whichever is greater A cash advance fee will be charged to your account on each occasion you obtain a cash advance or carry out a cash equivalent transaction. Some ATMs may charge an additional usage fee.
International Transaction Fee 3% of the total amount of the transaction This applies to each International Transaction, debited to your account at the time the International Transaction is debited to your account. For more information on international transaction fees, view our FAQs.
Over the Counter Transaction Fee $2 This is charged when you make a repayment over the counter at Australia Post by cash, cheque or EFTPOS.
Dishonour Fee $10 This is charged each time a payment to your account is dishonoured.
Voucher Request Fee $8 This is charged for each request for a sales receipt provided by a third party

Boost your MYER one rewards

Earn uncapped MYER one Credits wherever you shop with the Myer Credit Card

Card Services is a division of Macquarie Bank Limited (ABN 46 008 583 542, Australian Credit Licence 237502) which provides and administers credit and is the issuer of the Myer Credit Cards. Approval is subject to credit criteria. Terms, conditions, fees, charges and interest rates apply and are subject to change. No member of the Macquarie Group accepts any liability for reliance on the information in this communication other than in relation to products or services provided by Macquarie.


Apple, the Apple logo, Apple Pay, Apple Watch, iPhone and Touch ID are trademarks of Apple Inc., registered in the US and other countries. App Store is a service mark of Apple Inc.


Disclaimers

  1. To earn the maximum number of Credits at Myer and MYER one Partner, you must provide your MYER one card number and pay with your Myer Credit Card. For Myer online purchases, enter the MYER one number on the back of your credit card at the online checkout and pay with your Myer Credit Card. If you do not present your MYER one card number at Myer you will not earn any Shopping Credits on that transaction. If you do not present your MYER one card number at a MYER one Partner, you will earn 1 Shopping Credit per $1 spent on all eligible purchases when you pay with your Myer Credit Card. Shopping Credits are earned in accordance with and subject to the Myer Credit Card Rewards Program Terms & Conditions. Eligible purchases do not include cash advances, balance transfers, certain transactions at Myer or other restricted transactions detailed in the Myer Credit Card Rewards Program Terms & Conditions. You must be a member of the MYER one program to earn and redeem Shopping Credits. Membership and the earning and redemption of Shopping Credits are subject to the MYER one program terms, available at myerone.com.au/TermsAndConditions.

  2. Offer is limited to new applicants only. After the first year, the primary cardholder annual fee will be $69 and the additional cardholder fee will be $9. Annual fees are subject to change. To be eligible for this offer, you must apply and be approved for a Myer Credit Card.

  3. After the introductory period, the standard variable interest rate for purchases applies, which is currently 20.69% p.a. Balance transfers will be processed upon activation of your physical card. Interest rates are subject to change. Minimum repayments are required. Balance Transfer Terms & Conditions apply.

  4. You will earn up to 2 Shopping Credits per $1 spent on eligible purchases by providing your MYER one membership number at a MYER one Partner, and 1 additional Shopping Credit per $1 spent on eligible purchases by paying with your Myer Credit Card. See myeroneaffiliates.com.au for the current list of MYER one affiliates and the rate at which Shopping Credits are earned at each affiliate through the MYER one program.

  5. To receive the interest free period, you are not required to repay any balance transfer and/or Interest Free Finance balances that are in the specified promotional period.

  6. Visa’s Zero Liability policy does not apply to ATM transactions, transactions not processed by Visa or certain commercial card transactions. You should notify Card Services promptly of any unauthorised Visa use.

  7. Wallet Guard Insurance and Purchase Security Insurance are underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) (Chubb) and are subject to the terms, condition and exclusions contained in the Myer Credit Card policy of insurance between Macquarie Bank Limited (ABN 46 008 583 542, AFSL No. 237502) (MBL) and Chubb. A limitation applies of $2,500 per event. This website doesn’t take into account your objectives, financial situations or needs. It is important for you to read Myer Platinum Credit Card Insurance Terms & Conditions and consider the appropriateness of that insurance in relation to your individual requirements.

  8. Both in-store and online transactions at Myer of $250 or more will receive the interest free offer. After the interest free period on the purchase, the standard variable interest rate for purchases will apply, which is currently 20.69% p.a. for the Myer Credit Card.

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