See below the answers to some FAQs. Eligibility to apply for a MyCard MasterCard? Who can apply for a MyCard MasterCard? What's the difference between a Silver and Gold Card? How much can I borrow? How do I earn Rewards points? Do I have to pay to be part of the Rewards program? How do I redeem Rewards points? What's the difference between Standard Rewards and Qantas Rewards? Do blueSky points automatically transfer to the Qantas Frequent Flyer Program? How do I find out more about the Qantas Frequent Flyer Program? If I'm currently enrolled in Standard Rewards, can I transfer to QantasRewards? If I'm currently enrolled in Qantas Rewards, can I transfer to Standard Rewards? How do I make repayments on the card? What's the minimum amount I can pay? How often will I receive information on my account? What security is required? What happens if I get sick, have an accident or lose my job?

MyCard Mastercard Options Key Features Benefits FAQs

Eligibilility to apply for a MyCard MasterCard?
SERVICE ONE Members Banking is a mutual financial services organisation and as such is owned by our Members, each one of whom is a shareholder. Therefore you must be our Member to be approved for a MyCard MasterCard Card. Learn about becoming our Member.^

Who can apply for a MyCard MasterCard?
If you are an Australian resident, over 18 years old, earning $20,000 (if age between 18 and 54) and $15,000 (if age 55 and over) or more a year, and a SERVICE ONE Members Banking Member, you can apply for a MyCard MasterCard. ^

What's the difference between a Silver and Gold Card?
You have the choice of applying for a Silver card or Gold card (subject to the minimum income criteria). The Gold card includes all the standard features, plus extra benefits such as a higher credit limit, access to Qantas Rewards and free comprehensive travel insurance. See the key features for more information. ^

How much can I borrow?
The maximum credit limit for a Silver card is $7,500 or $25,000 for a Gold card. However, your maximum credit card limit is determined by your ability to meet your repayments. Your limit must be agreed prior to use. ^

How do I earn Rewards points?
You earn one Rewards point for every dollar you spend using your MyCard MasterCard, so use it to pay for everyday shopping, household bills and more to accumulate points faster. Cash advances and balance transfers are excluded. Purchases made by additional cardholders on your account also ean you Rewards points.^

Do I have to pay to be part of the Rewards program?
No. There is no additional cost for the Rewards program. ^

How do I redeem points?
Customers should contact the Rewards Service Centre to redeem their points for rewards. The Rewards Service Centre can be contacted by phone on 1300 136 551. ^

What's the difference between Standard Rewards and Qantas Rewards?
The Standard Rewards program offers a wide range of rewards including a great range of store vouchers, Take Flight, charity donations and much more. Members enrolled into Qantas Rewards program will have their points automatically transferred to their Qantas Frequent Flyer accounts at the end of every statement period. Once enroled member will not able to redeem their reward point for anything other than Qantas Frequent Flayer points. The Qantas Rewards program is only available on Gold accounts. ^

Do Qantas Rewards points automatically transfer to the Qantas Frequent Flyer Program?
Yes, once entol in Qantas Rewards program, your reward point will be automatically transferred to your Qantas Frequent Flyer account at the end of every statement period. If you're not already a Qantas Frequent Flyer Member, you will need to join the program before redeeming your Qantas Rewards points for Qantas Frequent Flyer points. To join Qantas Frequent Flyer, you will need to contact Qantas directly. A joining fee applies. ^

How do I find out more about the Qantas Frequent Flyer Program?
Contact Qantas directly on 13 13 13 or visit www.qantas.com. ^

If I'm currently enrolled in Standard Rewards, can I transfer to Qantas Rewards?
Yes, if you are a Gold cardholder you may transfer from the Standard Rewards to Qantas Rewards at any time. The higher annual card fee is charged on your next renewal date, and a pro-rata fee for the current year may apply.

Please note:
If Qantas Rewards option is selected, cardholders will not be able to redeem rewards offered in Standard Rewards.
Silver cardholders who wish to transfer to Qantas Rewards must first request, and be approved, for a Gold card upgrade. ^

If I'm currently enrolled in Qantas Rewards, can I transfer to Standard Rewards?
Yes, you are able to transfer from Qantas Rewards to Standard rewards at any time.

How do I make repayments to my card?
You can make payments using BPAY (via Telephone banking or Internet banking), direct debit from your nominated SOMB transaction account, over the counter at Australia Post outlets (a fee applies) or by cheque. ^

What's the minimum amount I can pay?
$30 or 2% of the outstanding balance (whichever is the greater). ^

How often will I receive information on my account?
A statement, which details your account balance, available credit, transactions and payment due, will be issued monthly. In addition, all your account details are available at your fingertips by going to www.cardservicesdirect.com.au. ^

What security is required?
No security is required to take out a MyCard MasterCard. ^

What happens if I get sick, have an accident or lose my job?
The best way to obtain peace of mind that your repayment obligations will be met in the case of accident, illness or involuntary unemployment is to take out insurance, however it is not required. Learn more about our Loan Repayment Insurance.^

Decided which card is right for you?

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