MyCard
MyCard Simplicity
MyCard · cred and chrg cards
Provider last updated this product 2026-04-23.
Go to provider
You'll complete your application on
MyCard's website. Confirm the rate and fees with them
before applying.
The product is a low fee credit card that provides individuals with a line of credit facility.
Lending rates
| Type | Rate | Comparison | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| PURCHASE | 22.49% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| Retail purchase rate | |||||||
| CASH ADVANCE | 22.99% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| Cash advance rate | |||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Dishonour Fee | DISHONOUR | $0 | Charged each time a payment to the account is dishonoured, debited at time of dishonour. |
| Overlimit Fee | EVENT | $0 | 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. |
| Annual Fee | PERIODIC | $0 | - |
| Additional Cardholder Fee | PERIODIC | $0 | You may have up to four additional cardholders, who must be at least 16 years old. |
| International Transaction Fee | TRANSACTION | 3.50% | 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. |
| Over-the-Counter Transaction Fee | TRANSACTION | $2.50 | Charged for each payment made to your Account by cash at an Australia Post outlet displaying the Bank@PostTM symbol. |
| Domestic Cash Advance Fee | CASH_ADVANCE | 3.50% | $3.50 per transaction amount or 3.5% of the transaction amount, whichever is higher, for a Cash Advance inside Australia, debited to your Account on the date the Cash Advance takes place. An ATM fee may also apply. |
| International Cash Advance Fee | CASH_ADVANCE | $5 | Charged per transaction amount for a Cash Advance outside of Australia, on the Australian dollar amount, debited to your Account on the date the Cash Advance takes place. Please note, this is in addition to any International Transaction Fee that may be payable. An ATM fee may also apply. |
| Paper Statement Fee | EVENT | $0 | Charged when we issue you a paper statement and debited to your Account on the last day of the Statement Period. This may be waived in limited circumstances. |
Rate history
The figures behind this chart
| From | Until | Rate |
|---|---|---|
| 2026-07-15 | 2026-09-30 (current) | 22.49% |
Published figures as captured daily since 2026-07-15. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
- 24/7 worldwide customer service and fraud protection
- 24/7 customer service if your card is lost or stolen.
Who can apply
- min age - 18
- residency status - Must be an Australian resident
- natural person
Limits
- max limit - 100000.00
- min limit - 2000.00
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-04-23T00:00:00Z · Product ID: 7916a828-1572-43bb-9a1f-c0af9b082f17