MyCard Simplicity

credit card

Simplicity is a credit card from MyCard, as the bank publishes it in its product data. Its purchase rate is 22.49% and its card fee $49 a year.

What the feed states

Purchase rate

22.49%

Cash advance rate

22.99%

Interest-free days

up to 44

Card fee

$49 a year (Annual Fee)

Foreign transaction fee

3.5% of the transaction

Cash advance fee

3.5%

Additional cardholder fee

none

Complimentary insurance

Extended Warranty Insurance; Purchase Protection Insurance; Mobile Phone Insurance

Digital wallets

Apple Pay, Samsung Pay, Google Pay

Instalment plans

offered

Additional cardholders

up to 4

Credit limit

$2,000 to $100,000

Minimum age

18

Scheme

Mastercard

Conditions and offers

• credit limit $2,000 to $100,000
• cash advance fee 3.5%, minimum $3.50, in Australia and overseas
• offers not available when closing or transferring from another MyCard card
• $30 late payment fee
• 0% on purchases and balance transfers for 6 months from approval, then 22.49% on purchases

About this card

The product is a low fee credit card that provides individuals with a line of credit facility.

Data

• MyCard's own page for this card.
• The issuer's documents its feed links to: terms and conditions, fees, eligibility.
• Our verbatim snapshot of the bank's product record (source), as fetched on 2026-11-07.
• /au/finance/credit-cards/v1/brands/mycard.json: this issuer's cards as JSON; MyCard's page lists them.
• The bank last updated this record on 2026-11-02; the dataset's data is as of 2026-11-12. Rates are per annum as the issuer states them; "stale" means the bank has not updated the record for over 180 days.

Other cards at MyCard

• Clear credit card, 14.99%, $149 a year
• Premier credit card, 22.49%, $300 a year
• Premier Qantas credit card, 22.49%, $350 a year
• Rewards credit card, 22.49%, $249 a year