Regional Australia Bank Your Choice Credit Card

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Regional Australia Bank Your Choice Credit Card

Balance transfer

N/A

Purchase rate

14.69% p.a. ongoing

Annual fee

$40.00 p.a. ongoing

Highlights

  • Enjoy a purchase rate of 11.69% p.a. if you have a Regional Australia Bank home loan (14.69% p.a. ongoing purchase rate).
  • Low annual fee of $40 p.a.
  • Up to 55 days interest-free on purchases.

Pros and cons

Pros

  • Low annual fee (waived for Partnership Advantage Home Loan holders).
  • Discounted purchase and advance interest rates for home loan holders.
  • Additional cardholder at no extra cost.
  • Get up to 55 interest-free days on purchases.
  • Minimum credit limit of $500 for those who wish to keep spending on a tight leash.

Cons

  • No rewards program.
  • No overseas travel insurance and concierge services.

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
$500.00
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
14.69% 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
14.69% p.a.

Account fees

Annual Fee Initial Year
N/A
Annual Fee Ongoing
$40.00
Dishonour Fee
$16.00
Duplicate Statement Fee
$2.50
Foreign Exchange Fee Percentage
3.5%
Late Payment Fee
$0.00

Rewards

Rewards program basics

Rewards Program
N/A
Rewards Program Annual Fee Initial Year
N/A
Rewards Points Expiry
N/A

Rewards points per $1 spent

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

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
No
Complimentary Flight Voucher Included
No
Complimentary QFF Membership Included
N/A

The basics

  • Additional cardholders. You can add an additional cardholder to your Regional Australia Bank Your Choice Credit Card for free. This allows you to share the account with a family member, and you will be responsible for keeping the account in good standing.
  • Digital wallets. The Regional Australia Bank Your Choice Credit Card can be used with Apple Pay, Google Pay, and Samsung Pay.
  • Gambling transactions. This card cannot be used to make transactions related to gambling.

Rewards and benefits

  • Complimentary travel insurance. This card does not provide complimentary international travel insurance.
  • Concierge services. The Regional Australia Bank Your Choice Credit Card does not provide cardholders with access to a concierge service.
  • Insurances. This card comes with fraud protection and no additional insurance features.
  • Rewards points. This credit card does not have a rewards program.
  • Sign up bonus. Regional Australia Bank does not offer a sign up bonus for this card.

Rates and fees

  • Annual fee. The ongoing annual fee for this card is $40. Partnership Advantage Home Loan holders get an annual fee waiver.
  • Balance transfers. This credit card does not currently offer balance transfer facilities.
  • Cash advances. Cash advances made with the Regional Australia Bank Your Choice Credit Card are subject to an interest rate of 14.69% p.a., which will be charged from the day the cash advance is made. Cash advances made with this card will incur a one-off fee in addition to the interest rate. However, if you have a Regional Australia Home Loan, you get discounted cash advance rate of 11.69% p.a. There are no cash advance fees.
  • Foreign exchange fee. All purchases made online or overseas in a foreign currency will incur a 3.5% fee.
  • Interest-free period. You'll get up to 55 days interest-free on purchases (except cash advances) when you have paid your previous balance in full or made the minimum required payment.
  • Purchases. The Regional Australia Bank Your Choice Credit Card does not have an introductory offer on purchases. All purchases by those without a home loan will be charged interest at the ongoing rate of 14.69% p.a. If you are a Regional Australia Home Loan, you get 3 percentage points off your purchase rate, to 11.69% p.a.

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