How to apply for your MyCard Simplicity Card

The MyCard Simplicity Card from NAB offers a straightforward experience with no annual fee and a 0% introductory interest rate on purchases and balance transfers for six months.

After the promotional period, the interest rate reverts to 22.49% p.a. on purchases and 22.99% p.a. on balance transfers.

This card is ideal for those looking to manage their finances without the stress of additional fees. It also includes up to 44 interest-free days on purchases.

Cardholders can also use the card with mobile payment services such as Apple Pay, Google Pay and Samsung Pay.

This card was previously offered under the Citi brand as the Citi Simplicity Credit Card, and it moved to the MyCard brand on 24 November 2025. National Australia Bank Limited (NAB) is the issuer and credit provider — ABN 12 004 044 937, AFSL and Australian Credit Licence 230686.

Benefits of the MyCard Simplicity Card

The MyCard Simplicity Card offers a range of practical benefits aimed at making everyday spending easier. This card stands out due to its $0 annual fee and a 0% p.a. interest rate on purchases and balance transfers for six months.

It’s designed to help users manage their finances while offering various perks, making it a useful choice for individuals who value simplicity and cost-effectiveness.

$0 Annual Fee Until 1 October 2026

One of the main features of this card is the absence of an annual fee. There is no annual fee for applications started before 1 October 2026, and MyCard has advised a $49 p.a. annual fee for applications started on or after that date.

0% Interest on Purchases and Balance Transfers

For the first six months, the card offers a 0% p.a. interest rate on both purchases and balance transfers, which then reverts to 22.49% p.a. on purchases and 22.99% p.a. on balance transfers.

This feature is particularly useful for individuals looking to consolidate debts or make large purchases and pay them off over time without immediate interest.

International Payment Compatibility

The MyCard Simplicity Card is compatible with Apple Pay, Google Pay, and Samsung Pay, making contactless payments easier and more secure.

You can use your mobile devices to make purchases both online and in-store, providing flexibility for users who prefer digital payment methods​

Prerequisites to Obtain the MyCard Simplicity Card

To apply for the MyCard Simplicity Card, applicants must meet specific eligibility criteria. The general prerequisites include:

• Age: Applicants must be at least 18 years old.
• Residency: You must be a permanent Australian resident. Recent permanent residents (within 12 months) may also be eligible.
• Credit Rating: A good credit rating is required, meaning you should have a stable credit history without recent defaults or multiple credit applications.
• Employment and Income Information: During the application, you will need to provide details about your employment status, such as your current occupation, employer’s contact information, and gross income. If you are self-employed, additional documentation such as accountant details may be required.

For identity verification, applicants need to supply documents like a driver’s license or passport, and proof of address (e.g., utility bills). For income verification, recent payslips or bank statements are typically requested, depending on your employment status.

About NAB as a Financial Institution

National Australia Bank Limited (NAB) is the issuer and credit provider for MyCard credit cards — ABN 12 004 044 937, AFSL and Australian Credit Licence 230686.

The Citi-branded consumer credit cards sold in Australia moved to the MyCard brand on 24 November 2025. The products themselves continued; only the brand changed.

Who is the MyCard Simplicity Card for?

The MyCard Simplicity Card is best suited for individuals who are looking for a straightforward credit card with minimal fees and simple terms. It appeals to customers who want to avoid an annual fee, while also benefiting from a 0% interest rate on purchases and balance transfers for an introductory period.

This card is ideal for those who prefer easy-to-manage finances, either to consolidate existing debt or to make purchases without worrying about interest for the first six months.

It also suits users who want a simple, low-cost card and do not necessarily need a rewards program.

Step by Step to Apply for the MyCard Simplicity Card

Here’s a step-by-step guide to apply for the MyCard Simplicity Card in Australia:

1. Visit the official MyCard website: Head to the official MyCard Simplicity Card page to start your application.
2. Eligibility check: Ensure that you meet the following criteria:
   • You are at least 18 years old.
   • You are a permanent Australian resident.
   • You have a good credit rating.
3. Prepare necessary documents: You’ll need to provide:
   • Personal identification (e.g., driver’s license or passport).
   • Proof of address (e.g., utility bill).
   • Employment details, including your occupation, employer’s contact information, and income.
   • If applying for a balance transfer, have your account details and amounts ready.
4. Submit your application: Press the “Apply Now” button and complete the online application form with the necessary personal, financial, and employment details.
5. Track your application: After submitting, you will receive an Application Reference Number via email. Use this to track your application progress through the MyCard website.

MyCard Simplicity Card Pros and Cons

The MyCard Simplicity Card offers some appealing features but also comes with certain drawbacks. Here’s a breakdown of the pros and cons to help readers make an informed decision:

Pros

• $0 Annual Fee: No annual fee for applications started before 1 October 2026; $49 p.a. applies for applications started on or after that date.
• 0% Interest on Purchases and Balance Transfers for 6 Months: A valuable option for those looking to make large purchases or consolidate debt. After 6 months, the purchase rate reverts to 22.49% p.a., and balance transfers revert to the cash advance rate of 22.99% p.a.

Cons

• High Ongoing Interest Rates: After the introductory 0% period, purchases incur a high interest rate of 22.49% p.a., which is above average for Australian credit cards.
• Balance Transfer Rate Reverts to Cash Advance Rate: If you don’t pay off your balance transfer within the 6-month introductory period, the rate jumps to 22.99% p.a., which is steep.
• Foreign Currency Transaction Fee: A fee of 3.5% applies to purchases made in foreign currencies, making it less suitable for frequent travelers.
• Cash Advance Rate: Cash advances are charged at 22.99% p.a.

This card is a solid choice for those looking to avoid an annual fee, but may not be ideal for people seeking low ongoing interest rates or a rewards program.

How to Activate the MyCard Simplicity Card

Activation instructions are supplied with your card and are also available once you sign in to your account on the official MyCard website at mycard.com.au.

Once activated, you’ll be ready to use your card, and you can also add it to mobile payment systems like Apple Pay, Google Pay, or Samsung Pay for contactless payment.

Fees and Tariffs

The MyCard Simplicity Card offers some simple and clear fees and rates, making it relatively easy to manage costs.

Here’s a summary of the main charges associated with the card:

• Annual Fee: $0 p.a. for applications started before 1 October 2026; $49 p.a. for applications started on or after 1 October 2026.
• Purchase Rate: 0% p.a. for the first 6 months, then reverts to 22.49% p.a.
• Balance Transfer Rate: 0% p.a. for 6 months, reverting to the cash advance rate of 22.99% p.a. after the introductory period.
• Cash Advance Rate: 22.99% p.a.
• Interest-Free Period: Up to 44 days on purchases, provided the balance is paid in full each month.
• Foreign Transaction Fee: 3.5% of the transaction amount for purchases made in foreign currencies.

Fees and rates correct as at 26 August 2026; MyCard has advised changes from 1 October 2026.

From 1 October 2026, MyCard has advised that the annual fee on this card becomes $49 p.a. for applications started on or after that date. Applications started before then keep the $0 annual fee.

Customer Service

Support for this card sits with National Australia Bank Limited (NAB) following the move to the MyCard brand. Current contact channels, account management and card activation details are published on the official MyCard website at mycard.com.au.