MyState credit cards

MyState
MyState's overall rating for credit cards

(as rated by the Mozo community)

7.8 / 10

based on 4 reviews

MyState has been around for over 50 years now, so when you snap up a MyState credit card, you can be sure you’re getting a product from an institution that knows what it’s doing. Whether you’re looking for affordability or premium perks, you’re sure to find it here, so keep reading for all the details.

Rates and fees verified as correct at 06 December, 2016. Other information correct at the time of writing.

What credit cards do MyState offer?

Low rate credit cards Low rate credit cards

Are you someone who carries a credit card balance month to month? Minimise the damage that bad habit is doing to your savings pile by adding a low rate credit card option from MyState to your wallet.

Product Purchase rate Balance transfer rate Annual fees Interest free days

12.99% p.a.

0% p.a. for 9 months and then 21.74% p.a.

$49

55


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Low fee credit cards Low fee credit cards

The budget conscious spender can’t go past a low fee credit card option from MyState. With a low annual fee and interest rate, your bank account will hardly feel the impact of this convenient little piece of plastic.

Product Purchase rate Balance transfer rate Annual fees Interest free days

12.99% p.a.

0% p.a. for 9 months and then 21.74% p.a.

$49

55


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Rewards credit cards Rewards credit cards

If perks and rewards points are your main aim when you whip out a credit card, check out the MyState rewards credit card option. It’s not so easy on the wallet - you’ll pay a little more to carry this one around - but in exchange, you can cash in on some great rewards and freebies.

Product Points per dollar Purchase rate Balance transfer rate Annual fees

1 point per dollar on MasterCard, up to 100000 points per year

20.24% p.a.

0% p.a. for 14 months and then 21.74% p.a.

$159


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Prestige cards Prestige cards

Make your credit card a premium pleasure with a MyState prestige card. This card is also a rewards option, so you’ll pay a hefty annual fee and interest rate to have it in your wallet, but if you’re the kind of person to cash in on rewards, and perks like a concierge service and free insurance cover, it might just be worth the price tag.

Product Points per dollar Purchase rate Balance transfer rate Annual fees

1 point per dollar on MasterCard, up to 100000 points per year

20.24% p.a.

0% p.a. for 14 months and then 21.74% p.a.

$159


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Frequently Asked Questions about MyState credit cards

    What is the interest free period on my MyState credit card?

    What fees might I be charged?

    What’s the minimum repayment amount I must make?

    What rewards will I earn with my MyState credit card?

    Can I use my MyState credit card for a balance transfer?

    Will my MyState credit card work overseas?

    Can I use PayPass with my MyState credit card?

    What steps do MyState take to protect me from credit card fraud?

How are MyState credit cards rated?

Mozo users have rated MyState credit cards on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

MyState credit cards

Overall 7.8*

Price

Features

Customer service

Convenience

Trust

4 Reviews

* Overall rating based on reviews in the past 12 months.

Recent MyState credit card reviews Recent MyState credit card reviews

MyState

MyState Low Rate MasterCard credit card review

Overall rating   10 / 10

Quality banking experience.

I like this bank because they have low interest rates.

Full review

I like this bank because they have low interest rates.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Ellyse (TAS), reviewed 12 months ago

MyState

MyState Platinum Rewards MasterCard credit card review

Overall rating   8 / 10

Great service, great staff and care for our future

Been with MyState for over 20 years now and love their service and care for our state, Tasmania.

Full review

Been with MyState for over 20 years now and love their service and care for our state, Tasmania.

    Price   8 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   8 / 10

    Trust   10 / 10

Less

Jo (TAS), reviewed about 1 year ago

MyState

MyState Low Rate MasterCard credit card review

Overall rating   5 / 10

Site was good but they do not seem to reply

Could have a cheaper rate.

Full review

Could have a cheaper rate.

    Price   8 / 10

    Features   0 / 10

    Customer service   5 / 10

    Convenience   7 / 10

    Trust   10 / 10

Less

David (TAS), reviewed over 1 year ago

MyState

MyState credit card review

Overall rating   8 / 10

Good service , card excepted every where.

My credit card does all I need it to.

Full review

My credit card does all I need it to.

    Price   8 / 10

    Features   7 / 10

    Customer service   9 / 10

    Convenience   8 / 10

    Trust   6 / 10

Less

Glenn (TAS), reviewed over 2 years ago

MyState

MyState Low Rate MasterCard credit card review

Overall rating   9 / 10

Very efficient and great customer service

I find their service to be very efficient either in person or online! I convinced my brother to transfer from his bank to MyState and he is very happy with all service they provide.

Full review

I find their service to be very efficient either in person or online! I convinced my brother to transfer from his bank to MyState and he is very happy with all service they provide.

    Price   6 / 10

    Features   7 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   9 / 10

Less

Maureen (TAS), reviewed almost 4 years ago

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Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers.

What do you need to apply for a MyState credit card? What do you need to apply for a MyState credit card?

You can apply for a MyState credit card either online, over the phone, or by visiting your local branch. Before you go, make sure you’re eligible with this handy checklist:

Are you…

  • At least 18 years old?
  • Earning a taxable income of at least $35,000 p.a. for a platinum credit card or $25,000 for a low rate option?
  • A permanent resident of Australia?
  • Someone with a good credit rating?

You’ll also need to provide contact details, as well as proof of all of the above. For more on applying for a credit card, check out our handy guide.

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