Regional Australia Bank
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Regional Australia Bank Credit Cards

Compare the features of Regional Australia Bank credit cards, including low rates and Qantas Frequent Flyer rewards.

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Regional Australia Bank is a member-owned bank that has had operations across regional NSW since 1969. It offers 2 credit cards: the low-cost Your Choice Credit Card and the Visa Platinum Rewards Card offers Qantas Points and other perks.

Compare Regional Australia Bank credit cards

Name Purchase rate p.a. Bonus points Points per $ spent Interest-free period Balance transfer rate p.a. Annual fee
Regional Australia Bank Your Choice Credit Card
Purchase rate p.a.
14.69%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
14.69%
Annual fee
$40
More Info
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
Qantas Frequent Flyer
Purchase rate p.a.
19.99%
Bonus points
N/A
Points per $ spent
0.75
Interest-free period
Up to 45 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$195
More Info
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 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. It also 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 cards before you decide to apply.

Benefits of getting a Regional Australia Bank credit card

If you choose a Regional Australia Bank credit card, you can look forward to features and benefits that include:

  • Savings with an eligible home loan

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 and 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

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.

Credit card brands similar to Regional Australia Bank

If you want a card from a member-owned bank or one with connections to a specific region of Australia, here are 3 other credit card providers you could compare:

Frequently asked questions

Want to compare a wider range of credit cards? Check out the latest offers for rewards, balance transfers, low rates and more.

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