Making payments to your account: You can find details on how to make payments to your account here. Your new BPAY reference number is in your MyCard statement, but payments using your previous BPAY details will still be applied to your account.
Getting copies of your statements: You can download statements from November 2023 onward via the MyCard app or MyCard Online. For earlier statements, you can request them through chat with us in MyCard Online. Only the accountholder can view or request statements.
Accessing MyCard Online: refer to our FAQs on how to retrieve your MyCard user ID and log in for the first time.
MyCard Simplicity
0% p.a. for 6 months on Purchases and Balance Transfers
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 our MyCard Rewards.
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Higher ongoing retail purchase rate than our MyCard Clear.
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Complimentary Mobile Phone and Travel Insurances not available with this product. Access these benefits with our 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.
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
Purchase interest rate
Included extras
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.
| 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 |
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 |
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.
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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. Please refer to the Target Market Determinations for our products. Credit cards issued by National Australia Bank Limited.