A $49 Annual Fee will apply
for applications started
on or after 1 October 2026.
0% p.a. for 6 months on Purchases and Balance Transfers
Offer applies when you apply for a new MyCard Simplicity credit card.
Current offer
0% p.a. for 6 months on Purchases and Balance Transfers
Get 0% p.a. for 6 months on purchases and balance transfers.
Annual Fee
$0
p.a.
Purchase Interest Rate
22.49
%
p.a.
Included extras
At a glance
The card that keeps it simple. Enjoy no annual fee if you start your application before 1 October 2026.
This card has a Minimum Credit Limit $2,000.
Annual Fee
$0
p.a.
A $49 Annual Fee will apply
for applications started
on or after 1 October 2026.
Retail Purchase Rate
22.49
%
p.a.
Cash Advance Rate
22.99
%
p.a.
What you get
Things to consider
-
No Rewards Program like our MyCard Rewards.
-
Higher ongoing retail purchase rate than our MyCard Clear.
-
Complimentary Travel Insurances are not available with this product. Access these with our MyCard Premier or MyCard Premier Qantas.
Benefits
Explore the benefits that come with MyCard Simplicity
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
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 A $49 Annual Fee will apply for applications started on or after 1 October 2026. |
Fee type Retail purchase rate Or pay off eligible purchases at an interest rate over a set term with a MyCard Instalment Plan. | Rate (p.a.) 22.49% p.a. |
Fee type Cash advance rate | Rate (p.a.) 22.99% p.a. |
Fee type Additional cardholder fee You may have up to 4 existing additional cardholders on your account. Please note that we are not accepting new additional cardholders on accounts at this time. | Rate (p.a.) $0 |
Other rates and fees
| Fee type | Fee details |
|---|---|
Fee type Interest-free period | Fee details Up to 44 days (On retail purchases) |
Fee type Credit limit Credit limit changes are subject to credit assessment criteria. | Fee details Your minimum credit limit is $2,000, your maximum is $100,000 |
Fee type Late payment fee | Fee details $0 A $30 Late Payment Fee will apply to customers who begin an application on or after 1 October 2026. |
Fee type Domestic cash advance fee Minimum charge $3.50. | Fee details 3.5% of transaction amount |
Fee type International cash advance fee | Fee details $5 From 1 October 2026 the fee will change to 3.5% of the transaction amount. A minimum charge of $3.50 per transaction will apply. |
Fee type Paper statement fee | Fee details $0 |
Fee type International transaction fee | Fee details 3.5% of transaction amount |
Fee type Over-the-counter transaction fee (Bank@PostTM) | Fee details $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
$149
p.a.
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
$199
p.a.
The fee will increase to $249 p.a. for applications started on or after 1 October 2026.
Things you should know
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. Fees, charges and earn rates (if applicable) are subject to change from 1 October 2026. If we make changes, these will be communicated in accordance with our terms & conditions. Please refer to the Target Market Determinations for our products. Credit cards issued by National Australia Bank Limited.