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The Product is a low interest rate credit card that provides individuals with a line of credit facility that has a low rate.
- Purchase rate
- 14.99%
- Annual fee
- $149.00
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Purchase Retail purchase rate | 14.99% | — | — |
| Cash advance Cash advance rate | 22.24% | — | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Late Payment Fee 14 · The amount charged to your Account after the Payment Due Date if at the time the fee is debited, your Account has an Overdue Amount and the balance of your Account is $50 or more. | Late payment | $30.00 |
| 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 · Charged on the anniversary of your account opening. | Ongoing | $149.00 |
| Additional Cardholder Fee Charged yearly · Charged per additional cardholder attached to your account. | 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 |
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 bbf2b66e-203b-45a9-b40b-520e3ff4d2e4 · View on CDR.gov.au · View Source Data (JSON)