Existing cardholders: Find out what you need to know about the move to MyCard including important information about managing your account and helpful FAQs.
New applications: Applications for new MyCard credit cards are coming soon.
MyCard Simplicity
Enjoy no annual fee or late fees.
At a glance
That card that keeps it simple. MyCard Simplicity comes with no annual fee or late fees.
This card has a Minimum credit limit $2,000.
Annual Fee
Retail purchase rate
Cash advance rate
What you get
Things to consider
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No Rewards Program like the MyCard Rewards credit card.
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Higher ongoing retail purchase rate than our MyCard Clear credit card.
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Complimentary Mobile Phone
and Travel Insurances not available with this product. Access these benefits with the MyCard Premier, MyCard Premier Qantas, MyCard Prestige or MyCard Prestige Qantas.
Benefits
Explore the benefits that come with MyCard Simplicity
No annual fee or late fees
Pay no annual card fee or late fees.
Complimentary Purchase Protection Insurance
Access purchase protection insurance on eligible purchases.
Complimentary Extended Warranty Insurance
Access extended warranty insurance on eligible purchases.
Instalment Plans
Pay back large credit card expenses with monthly instalments.
Rates and fees
Interest rates and fees
These are our standard interest rates and fees for the MyCard Simplicity credit card. For the full list, please see our Credit Card fees and charges page.
| Fee type | Rate (p.a.) |
|---|---|
Fee type Annual fee | Rate (p.a.) $0 |
Fee type Retail purchase rate | Rate (p.a.) 22.49% p.a. |
Fee type Cash advance rate Or pay off eligible purchases at an interest rate over a set term with a MyCard Instalment Plan. | Rate (p.a.) 22.99% p.a. |
Fee type Additional cardholder fee You may have up to four additional cardholders, who must be at least 16 years old. | Rate (p.a.) $0 |
Other rates and fees
These are some other rates and fee information including credit limits and interest free days for the MyCard Simplicity credit card.
Interest-free period On retail purchases (unless you have a balance transfer) | Up to 44 days |
|---|---|
Interest-free period On retail purchases (unless you have a balance transfer) Credit limit Credit limit changes are subject to credit assessment criteria. | Up to 44 days Your minimum credit limit is $2,000, your maximum is $100,000 |
Interest-free period On retail purchases (unless you have a balance transfer) Late payment fee | Up to 44 days $0 |
Interest-free period On retail purchases (unless you have a balance transfer) Domestic cash advance fee Minimum charge $3.50. | Up to 44 days 3.5% of transaction amount |
Interest-free period On retail purchases (unless you have a balance transfer) International cash advance fee | Up to 44 days $5 |
Interest-free period On retail purchases (unless you have a balance transfer) Paper statement fee | Up to 44 days $0 |
Interest-free period On retail purchases (unless you have a balance transfer) International transaction fee | Up to 44 days 3.5% of transaction amount |
Interest-free period On retail purchases (unless you have a balance transfer) Over-the-counter transaction fee (Bank@PostTM) | Up to 44 days $2.50 |
Featured offers
Explore these limited time offers with MyCard Simplicity.
Up to 15% off Luxury Escapes
Enjoy up to 15% off eligible Luxury Escapes hotels. Discount cap applies.
10% off selected Expedia hotels
Save on your next getaway with 10% off selected hotels on Expedia.
10% off selected Wotif hotels
Explore Australia and beyond with 10% off selected hotels on Wotif.
You might also like
MyCard Clear
A low interest rate on Retail Purchases. Minimum Credit Limit $2,000. Purchase Rate 14.99% p.a.
Annual fee from
MyCard Rewards
Earn points on your everyday spend and turn them into rewards you love. Minimum Credit Limit $2,000. Purchase Rate 22.49% p.a.
Annual fee from
Things you should know
Important information
Fees and charges
Read our Credit Card Terms and Conditions. Credit card fees and charges are payable. Approval and credit limit is subject to MyCard's credit assessment criteria. Information, including interest rates and annual card fees subject to change. Correct as at today. Credit cards issued by National Australia Bank Limited.