From November 24 2025, Citi credit cards will be reimagined as the new, sleek brand MyCard. Customers will get a slick new app and improved online experience, and updated features including slashed fees and complimentary mobile phone insurance.

The brand’s new identity is the final stage of NAB’s long-term integration of Citi, which it acquired in 2022. It’s a move that the sometimes-clunky Citi needed to bring it into alignment with NABs more modern digital services and streamlined customer experience.

However, the benefits and rewards that have made Citi credit cards so popular will remain, albeit with a range of new cards and colours.

Citi customers will have received notification of the transition via email, with more communication to come throughout November, according to NAB.

Key changes in the switch from Citi to MyCard

1. A better digital experience
   The most prominent change is the brand new MyCard app and website portal, which will provide a much better digital experience for customers and improved tools to manage accounts. Customers will be provided with new login information.
2. New account and BPAY details
   While account numbers and BPAY codes will change, any current BPAY or recurring payments will be automatically processed to the new account number. Similarly, the Citi-branded credit card number will stay the same. Customers will be able to see the new account details in the new app or on the first MyCard statement. BPAY payments will no longer be accepted over the phone.
3. New benefits
   A very welcome new feature is the addition of Samsung Pay as a payment option alongside Google Pay and Apple Pay. Customers can benefit from new complimentary Mobile Phone Insurance provided by AIG with an eligible MyCard Visa or Mastercard account.
4. Updated fees
   Another welcome change is the removal of the dishonour fee and overlimit fee (for applicable accounts) from November 24. However, the International Transaction Fee will increase from 3.4% to 3.5% of the transaction amount (from November 17), and the annual fee and additional cardholder fee will increase for some credit cards.
5. Changes to limits and interest-free days
   Customers with a balance transfer who make the monthly “Interest free days payment” will now receive interest free days on retail purchases. Total cash limits will also be aligned with credit limits, and “Annual Primary Cardholder Fee” will be renamed “Annual Fee”.

Changes to the Citi Rewards program

Citi Rewards will be renamed the MyCard Rewards program. Details on changes to the program can be found in the new T&Cs under Online Servicing.

The Citi Qantas Rewards program will become the MyCard Qantas Rewards Program and the $49 fee will be removed and included in the annual fee. The rewards balance will be moved to the app and online banking rather than the monthly statement.

Services that are staying the same

While the new branding should provide a better customer experience, there are many features that will stay the same. Throughout the transition and beyond, customers can use their card as usual. No changes will be made to credit card numbers.

All existing balances and rewards will carry over to the new MyCard account automatically. NAB will continue to be the credit card issuer and credit provider, so the change to MyCard is essentially a cosmetic rebranding of Citi with improved features.

Current instalment plans and hardship plans will be unaffected.

How the transition will take place

NAB says customers can expect some service interruptions between now and November 24, 2025, but will be able to use their credit card as normal for the most part.

For example, customers will not be able to add extra cardholders, increase credit limits or create new instalment plans until the rollout is complete. Customers who close their account between November 14 to 24 will receive their refund after November 24, and Bank@Post transactions will be paused between November 20 and 23.

No online services will be available between 7.30pm 21 November and 24 November.

Customers should make sure they’re receiving communication from NAB about the upcoming changes.

What can customers do now?

Cardholders can wait for more instructions on downloading the new MyCard app and login information for the online services. Any questions can be sent to cardservicesdirect.com.au/contactus.

The MyCard brand rollout will bring better tech and welcome fee cuts to its customers, but it’s worth looking through any new terms and conditions. Fees have changed, and it’s likely there will be changes to its rewards program and redemption options. Overall, the transition should deliver a more modern, NAB-backed experience for Citi customers moving forward.