MyCard Simplicity Card

The MyCard Simplicity Card is designed for those looking for a straightforward credit card with no annual fee to pay up front.

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.

Benefits of the MyCard Simplicity Card

While it doesn’t come with a rewards program, it offers several valuable features that could appeal to users aiming for financial flexibility. Here’s a look at the top benefits:

$0 Annual Fee Until 1 October 2026

One of the card’s key advantages is that there is no annual fee for applications started before 1 October 2026. MyCard has advised that a $49 p.a. annual fee applies to applications started on or after that date.

For applications started before the change, you can keep the card without worrying about paying just to maintain it, making it a cost-effective choice for long-term use.

0% Interest on Purchases and Balance Transfers

For the first six months, the card offers a 0% p.a. interest rate on purchases and balance transfers.

This can be helpful for individuals looking to make larger purchases or transfer existing balances without immediately incurring interest charges. After six months, the rates revert to 22.49% p.a. for purchases and to the cash advance rate of 22.99% p.a. for balance transfers.

Interest-Free Days

Up to 44 days interest-free on purchases when the closing balance is paid in full by the due date.

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

More about the MyCard Simplicity Card

The MyCard Simplicity Card is built around low ongoing cost rather than rewards, which makes it easy to work out what the card will cost you.

The card supports mobile payments, integrating with Apple Pay, Google Pay and Samsung Pay, making it easier for users to make secure, contactless transactions.

Purchases made overseas or in a foreign currency attract an international transaction fee of 3.5%, so it is worth keeping that in mind if you travel or shop on overseas sites.

More about NAB

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.

Why choose the MyCard Simplicity Card?

The MyCard Simplicity Card is designed for everyday users seeking simplicity and flexibility. It requires a good credit rating to be eligible, making it suitable for those without poor credit histories.

The card is issued by NAB and can be managed online through the official MyCard website.

It suits a wide range of consumers who value a predictable, low-cost card over a rewards program.

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