In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
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Regional Australia Bank Your Choice Credit Card

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Regional Australia Bank Your Choice Credit Card
Terms and conditions apply
Balance transfer rate with no balance transfer fee
14.69% p.a.
Purchase rate
14.69% p.a.
Annual fee
$40 p.a.
Interest-free on purchases
Up to 55 days

Our verdict

This simple, Visa credit card has a relatively low 14.69% interest rate for purchases and a $40 annual fee.

The Regional Australia Bank Your Choice Credit Card is suited to people who want a low-cost credit card without any fancy extras. It has the same 14.69% p.a. interest rate for purchases and cash advances, which is low compared to the average credit card interest rate of around 20%. Its annual fee is also on par with other low rate credit cards. And if you have a Regional Australia Bank home loan, you can get a discounted interest rate of 11.69% p.a. But, as some cards have lower rates and fees, it's worth comparing a few options before you apply.

Pros

  • Discounted 11.69% p.a. purchase rate if you have an eligible Regional Bank Australia home loan
  • Additional cardholder at no extra cost
  • Up to 55 days interest-free on purchases

Cons

  • Relatively high 3.5% foreign transaction fee
  • No rewards program or travel insurance

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question

The Regional Australia Bank Your Choice Credit Card offers worldwide acceptance through the Visa network and can be used for contactless payments at the checkout. It also offers up to 55 interest-free days if you pay the total amount listed on your statement by the due date.

Details

Product details

Product Name Regional Australia Bank Your Choice Credit Card
Balance transfer rate p.a. 14.69%
Purchase rate p.a. 14.69%
Interest-free period Up to 55 days on purchases
Cash advance rate p.a. 14.69%
Min credit limit $500
Card type Visa

Eligibility

Available to temporary residents No
Joint application No

Rewards

Bonus points N/A

Fees

Annual fee $40
Minimum monthly repayment 2.5% of the closing balance or $20, whichever is greater
Late payment fee $0
Foreign currency conversion fee 3.5%
Additional cardholder fee $0

How to apply

You can apply for the Regional Australia Bank Your Choice Credit Card by completing a secure application form on the bank's website. To get started, make sure you meet the eligibility requirements and have all the details and documents you need for the application.

Eligibility criteria

  • Residency status. You must be an Australian citizen or permanent resident.
  • Income. You must earn income and be able to provide documents to verify the details you provide on the application.
  • Age. You must be at least 18 years of age.

Card benefits

  • Discounted interest rate for home loan customers. If you have a Regional Australia Bank home loan, you can get a 3% discount on your attached Your Choice credit card interest rate.
  • Visa benefits. Get access to exclusive travel, dining, shopping and entertainment offers through Visa Offers + Perks, with current promotions listed on the Visa website. You can also make Tap & Go payments and get 24/7 support for lost or stolen Visa cards.

Rates & fees

  • Interest rate. This card offers a 14.69% p.a. interest rate if you are not an eligible home loan customer.
  • Annual fee. The Regional Australia Bank Your Choice credit card has a $40 annual fee. This fee is waived for Partnership Advantage Home Loan customers.

Your reviews

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Ask a question

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Amy Finder

Editor

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