MyCard Simplicity
The Product is a no annual fee credit card that provides individuals with a line of credit facility
- Purchase rate
- 22.49%
- Annual fee
- $0.00
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Purchase Retail purchase rate | 22.49% | — | — |
| Cash advance Cash advance rate | 22.99% | — | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Dishonour Fee Charged each time a payment to the account is dishonoured, debited at time of dishonour. | Dishonour | $0.00 |
| Overlimit Fee Only for accounts opened prior to 1 July 2012. Charged per statement period when your credit limit is exceeded, debited to your account on the date your credit limit is exceeded and on each statement date in subsequent statement periods if your account remains overlimit. | Event | $0.00 |
| Annual Fee Charged yearly | Ongoing | $0.00 |
| Additional Cardholder Fee Charged yearly · You may have up to four additional cardholders, who must be at least 16 years old. | Ongoing | $0.00 |
| International Transaction Fee When you make a Retail Purchase or obtain a Cash Advance in Australian dollars while overseas, or while in Australia (for example online) where the merchant, or the financial institution or entity processing the transaction, is located outside Australia. An ATM fee may also apply. | Transaction | 3.5% of transaction |
| Over-the-Counter Transaction Fee Charged for each payment made to your Account by cash at an Australia Post outlet displaying the Bank@PostTM symbol. |
Features
- Additional cards — up to 4
- Balance transfers — Eligibility criteria and terms and conditions apply
- Bill payment (BPAY) — BPAY
- Discounts on other products — Complimentary range of everyday benefits to help you shop and save
- Digital banking
- MyCard Online
- Digital banking
- MyCard App
- Digital wallet — Apple Pay
Eligibility
- Minimum age — 18 years
- Residency status — Must be an Australian resident
- Individuals only
Constraints
- Maximum limit — $100,000.00
- Minimum limit — $2,000.00
More Information
Published by MyCard under the Consumer Data Right · Last updated 23 April 2026 · Product ID 7916a828-1572-43bb-9a1f-c0af9b082f17 · View on CDR.gov.au · View Source Data (JSON)