Regional Australia Bank Visa Platinum Rewards Credit Card

On website

Regional Australia Bank Visa Platinum Rewards Credit Card

Balance transfer

N/A

Purchase rate

19.99% p.a. ongoing

Annual fee

$195.00 p.a. ongoing

Highlights

  • No fees for additional cardholders, cash advances and late payments.
  • The annual fee is waived for Partnership Advantage Home Loan holders (usually $195 p.a.).
  • Earn 0.75 Qantas Points for every $1 you spend on eligible purchases ang get complimentary Qantas Frequent Flyer membership and 10,000 points a year.
  • Up to 45 days interest-free on purchases.

Pros and cons

Pros

  • No fees for cash advances, late payments or additional cardholders.
  • Visa Platinum Concierge Service.
  • Earn Qantas points for flights, travel upgrades and more.

Cons

  • The 19.99% p.a. interest rate on cash advances and purchases.
  • Interest free days limited to 45.

About this credit card

Basics

Card usage

Apple Pay Enabled
Yes
Card Type
Visa
Gambling Transactions Allowed
No
Samsung Pay Enabled
Yes

Eligibility

Joint Application Accepted
No
Minimum Age
18 years
Minimum Credit Rating
Good
Minimum Income
N/A
Temporary Residents Accepted
No

Additional cardholders

Additional Cardholders
1
Additional Card Fee Ongoing
$0.00

Credit limits

Minimum Credit Limit
$6,000.00
Maximum Credit Limit
N/A

Repayments

Interest Charged From
Purchase date
Interest Free Period
Up to 55 days on purchases
Minimum Repayment Percentage
2.5%

Balance transfers

Balance transfer offer

Balance Transfer Rate
N/A
Balance Transfer Period
N/A
Balance Transfer Fee Percentage
N/A

Balance transfer conditions

Balance Transfer From Personal Loan
N/A
Balance Transfer Limit Percentage
N/A
Balance Transfer Revert Rate
N/A

Rates, fees, charges

Cash advances

Cash Advance Rate
19.99% p.a.
Cash Advance Fee
$0.00
Cash Advance Fee Percentage
N/A
Cash Advance Fee Threshold
N/A

Purchases

Purchase Rate Introductory Offer
N/A
Purchase Rate Introductory Period
N/A
Purchase Rate Ongoing
19.99% p.a.

Account fees

Annual Fee Initial Year
N/A
Annual Fee Ongoing
$195.00
Dishonour Fee
$16.00
Duplicate Statement Fee
$2.50
Foreign Exchange Fee Percentage
0%
Late Payment Fee
$0.00

Rewards

Rewards program basics

Rewards Program
Qantas Frequent Flyer
Rewards Program Annual Fee Initial Year
N/A
Rewards Points Expiry
N/A

Rewards points per $1 spent

Domestic Rewards Points Earn Rate
0.75
Government Rewards Points Earn Rate
N/A
Overseas Rewards Points Earn Rate
0.75

Additional perks

Insurance

Cardholder's Domestic Hotel Burglary Insurance
No
Cardholder's Extended Warranty Insurance
No
Cardholder's International Travel Insurance
No
Cardholder's Interstate Flight Inconvenience
No
Cardholder's Personal Item Theft Cover
No
Cardholder's Price Protection Insurance
No
Cardholder's Purchase Protection Insurance
No
Cardholder's Refund Protection
No
Cardholder's Transport Accident Insurance
No

Travel and lifestyle

Airport Lounge Access Included
No
Concierge Service Included
Yes
Complimentary Flight Voucher Included
No
Complimentary QFF Membership Included
N/A

The basics

  • Additional cardholders. You can add an additional cardholder for free. This person will be your responsibility to keep the account in good standing, and there is no ongoing fee associated with the additional card.
  • Digital wallets. The Regional Australia Bank Visa Platinum Rewards Credit Card can be used with Apple Pay, Google Pay, and Samsung Pay.
  • Gambling transactions. Regional Australia Bank have blocked gambling related transactions on the Visa Platinum Rewards Credit Card.

Rewards and benefits

  • Complimentary travel insurance. The Regional Australia Bank Visa Platinum Rewards Credit Card does not come with complimentary international travel insurance.
  • Concierge services. The Regional Australia Bank Visa Platinum Rewards Credit Card comes with access to a 24/7 concierge service. You can use the concierge to get help with things like making reservations, comparing prices, arranging gifts, travel recommendations and more.
  • Insurances. This card comes with fraud protection.
  • Rewards points. The Regional Australia Bank Visa Platinum Rewards Credit Card offers 0.75 Qantas Points per $1 spent on eligible purchases up to $10,000 and 7,500 points per statement period. Earn a bonus additional Qantas Point for every $1 you spend on Qantas products and services. Your points won't expire as long as your account remains open and in good standing. You also get complimentary Qantas Frequent Flyer membership together with additional 10,000 points every year.
  • Sign up bonus. Regional Australia Bank does not offers a sign up bonus at the moment.

Rates and fees

  • Annual fee. This card has an annual fee of $195 per year. You get a fee waiver if you are a Partnership Advantage Home Loan holder.
  • Balance transfers. There is currently no balance transfer offer available for this card.
  • Cash advances. Cash advances taken with this card will incur a 19.99% p.a. interest rate, applied immediately from the date of the transaction. No cash advance fee.
  • Foreign exchange fee. This card does not charge any foreign transaction fees for purchases made in foreign currencies, whether online or abroad.
  • Interest-free period. Regional Australia Bank's Visa Platinum Rewards Credit Card offers up to 45 days interest-free on purchases (except cash advances) when you have paid your previous balance in full or made the minimum required payment.
  • Purchases. With no introductory offer on purchases, cardholders will be charged interest at the rate of 19.99% p.a. from their first purchase.

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