Mycard Arvostelua 

The Customer Service is woeful. I used to have a great experience with Suncorp - then it got sold to NAB I think, and the online experience went downhill. I had two cards - and when I received an annual fee on both of them (that’s TWO fees), I rang to cancel the same week and explained I had never used the second one, to consider reimbursement and close it - and will keep the other. They treated me with what I would describe as contempt. Horrible service.

This company is so bad, their communication is the worst and I will never deal with them again. Don't do it!

Absolute Dogs Breakfast of a card since taken over by NAB . Cant download statements as a CSV File,Doesnt intergrate with Accounting platforms Xero or MYOB. When calling Customer service at first i thought i was talking with an AI agent then i realised they were human. AI would have got me a better response and they charge me $300 a year for the hassle. After i spent an hour complaining they did give me a $100 credit. Once i get the time i will be changing

Am cancelling my card as the takeover from Citibank is woeful.
They are now still chasing my annual fee, even though I have cancelled the card prior to the next year renewal. I have escalated this to management and am awaiting a response, but $350 per year for a card i've paid the balance off in full every month is beyond a joke. Avoid this card at ALL COSTS

This product is absolutely terrible now that it has been taken over by Nab. I obtained a Qantas rewards card - the Qantas points I have earnt have never been transferred to my Qantas account. I identified this issue to MyCard in December yet it is now May and they still haven’t rectified the issue. I have thousands of Qantas points I am not able to use. avoid this product entirely !

Just canceled MyCard. I did not use it since it was transferred. First I was waiting for the new card to arrive, it never did. I called the customer service and they said that there is no new card coming. Use the old one as usual. I already had a gut feeling that it was no good. They did not have Singapore Airlines as partner anymore, then the travel insurance disappeared. The app did not work. Surprisingly the cancellation went smoothly. Stay away!

The online mycard application process is inexcusable bad. I applied for a mycard card using my driver's licence and passport (both of which I've successfully used for the same purpose online numerous times), just to have them both rejected, which resulted in me not being able to apply for a mycard ever again. I contacted their support who says d they could do nothing except escalate it as a ticket, which simple resulted in a higher level person saying they could do nothing and that I can no longer apply for a card. This is by far the worst online application process I've ever seen. And so everyone is aware, this is a NAB, National Bank or Australia product, so the poor product is on them.

1 star is the lowest I can put, but it deserves zero.
I have 30,000 Velocity points in limbo.
They do not want to investigate.
Customer service doesn't care and closes the chat on you.
At $300/year, it is supposed to be a premium card, and it was under the Citibank brand, but turned to crap overnight with the new branding.
Will be contacting the Banking onbundsman shortly.

Just the worst ,
Customer service , website experience,
if you ever get this card/service cross your fingers that you don't have to deal with their bad customer service.

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.