Regional Australia Bank

Regional Australia Bank Credit Cards

Compare the features of Regional Australia Bank credit cards, including low rates and frequent flyer reward options.

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Regional Australia Bank offers two different Visa credit cards: the Your Choice card is a low rate option, with the Visa Platinum Rewards card offers Qantas Points and other perks. Here, we go through the key details of these cards, as well as other features you'll get if you choose a credit card from Regional Australia Bank.

Compare Regional Australia Bank credit cards

Name Product Purchase rate Interest-free period Balance transfer rate Annual fee
Regional Australia Bank Your Choice Credit Card
14.69% p.a.
Up to 55 days on purchases
14.69% p.a.
Enjoy up to 55 days interest-free on purchases, a low minimum credit limit of $500 and Visa payWave capabilities.
Regional Australia Bank Visa Platinum Rewards Credit Card
19.99% p.a.
Up to 45 days on purchases
Receive 0.75 Qantas Points per $1 spent plus enjoy premium perks like complimentary travel insurance and worldwide platinum concierge service.

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Types of credit cards from Regional Australia Bank

  • Low rate credit cards

The Regional Australia Bank Your Choice Visa credit card has a 14.69% p.a. interest rate for purchases and cash advances, with discounted rates available if you have an eligible home loan with the bank. If you pay your balances in full each month, you can also get up to 55 interest-free days on purchases. This card has a $40 annual fee that's competitive with other low rate cards, although it is still worth comparing your options to help you choose one that works for you.

  • Frequent flyer credit cards

The Regional Australia Bank Visa Platinum Rewards card gives you a way to earn Qantas Points on all your eligible spending, including groceries, fuel, dining and retail shopping. It also offers an annual 10,000 bonus Qantas Points for each year you keep the account in good standing. It has an annual fee of $195, which is waived if you have an active Partnership Advantage home loan under the same membership account. While it does offer a platinum concierge, some other frequent flyer credit cards offer lounge access and complimentary insurance, so make sure you compare a mix of cards before you decide to apply.

Benefits of banking with Regional Australia Bank credit card

If you choose a Regional Australia Bank credit card, you can look forward to the following features and benefits.

  • Savings for people with eligible home loans

The Regional Australia Bank Your Choice credit card offers a 3% discount on the interest rate if you have an active Regional Australia Bank home loan, or a 5% discount if you have a Partnership Advantage home loan and get a credit limit of $5,000 or more on this credit card. If you choose the Regional Australia Bank Visa Platinum Rewards card and have a Partnership Advantage home loan, you'll pay no annual fee for the credit card account.

  • Banking options

You can manage your Regional Australia Bank credit card at any time using Internet banking or the mobile app. You can also call the phone banking service on 1300 363 777 or visit one of the branches in NSW.

  • Visa benefits

You can use a Regional Australia Bank credit card to shop in store, online or over the phone anywhere Visa is accepted. When you're shopping online, you'll get the added protection of Visa Secure to help verify your transactions with participating businesses. You can also take advantage of exclusive offers on shopping, dining, travel, entertainment and more through Visa Offers + Perks, with the latest deals listed on the Visa Australia website.

How to apply for a Regional Australia Bank credit card

You can apply for a Regional Australia Bank credit card online by filling in a secure application form on the bank's website. Alternatively, you can apply by calling 132 067, or by visiting a branch. Before you get started, make sure you meet the following eligibility criteria and have all the documents and details you'll need for the application.

Eligibility criteria

  • Australian residency status. You must be an Australian citizen or permanent resident.
  • Age. You must be at least 18 years of age.

Documents and details

  • Personal details. This includes your full name, date of birth, residential address, email address, phone number and living arrangements. You also need to provide a valid form of ID, such as your driver's licence, Medicare card or passport.
  • Employment details. As well as your salary, you'll need to provide details of your employment status, as well as your employer's name and contact details. You may also need to include recent payslips or bank statements to help verify these details.
  • Financial details. This covers any other forms of income, assets and savings, as well as existing loans, credit cards, debts or other liabilities. You also need to provide details of your share of household expenses such as rent, mortgage payments, utility bills and groceries.

You can save the application and return to it at any time – just make sure you have received an email from Regional Australia Bank with details of your application. If you have any questions about the application, you can also call Regional Australia Bank on 1300 132 067.

Frequently asked questions

If you want to know more about Regional Australia Bank credit cards, below you'll find answers to some of the most common questions. You can also get in touch with the team at Finder using the contact form below.

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