The Rock Credit Cards

the rock logoWant a platinum credit card offering or one that supports you with a low rate? The Rock has you covered.

The Rock began operations in 1967, with their listing on the Australian Stock Exchange taking place in 1992. They merged with MyState Limited in 2011 and are now a wholly-owned subsidiary of the same.

The Rock is an approved deposit-taking institution, and while their head office is in Rockhampton, they have more than 20 branches and mini-branches spread across Queensland. This financial institution offers a range of financial services and products, which include home loans, personal loans, bank accounts, term deposits, insurance products and credit cards. Compare their credit card products on the page below.

Compare credit cards from The Rock

Rates last updated January 23rd, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
The Rock Low Rate Mastercard
12.99% p.a.
0% p.a. for 12 months
$49 p.a.
Receive up to 55 days interest-free on purchases, complimentary purchase cover insurance and a guaranteed pricing scheme.
The Rock Platinum Rewards Mastercard
20.24% p.a.
0% p.a. for 14 months
$99 p.a. annual fee for the first year ($129 p.a. thereafter)
Earn 1 reward point for every $1 spent on your card. Plus, international travel insurance and access to a 24/7 concierge.

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Types of credit cards that The Rock offers

If you choose to apply for a credit card through The Rock you get to choose between two competitive options. How do you spend on your card? You could take advantage of premium features or be supported by a low rate.

  • Low rate credit cards

These cards can support your ongoing spending and don't charge you too much if you don't repay your balance in full. Apart from the low ongoing rate, The Rock’s Low Rate Mastercard also gives you up to 55 days interest-free on purchases if you do pay back your entire credit card balance. For the first 12 months a promotional rate also applies to any balance you bring across from an existing credit card.

Learn more about low rate credit cards

  • Platinum credit cards

Consider a platinum card if you want that little bit extra for your regular credit card spending. Reward points, insurance covers and promotional interest rates can all be available on these cards. When you get the Platinum Mastercard through The Rock you'll be enrolled in the rewards program for free plus get access to a concierge service. A p.a. rate is also available on purchases and balance transfers. Compare these cards by the value their additional features offer to you.

Learn more about platinum credit cards

Benefits of getting a credit card through The Rock

Functioning of The Rock revolves around a strong customer-centric approach, and this institution aims to provide high levels of personal service along with speed, value, and convenience. When you get a Mastercard through this financial institution, you can look forward to the following benefits:

  • Stay protected when you spend

Both low rate and platinum cardholders receive complimentary cover in the form of purchase cover insurance and a guaranteed pricing scheme. If you choose to take out the platinum card, international travel insurance, interstate flight inconvenience insurance, and transit accident insurance are also available to you.

  • Premium service for platinum cardholders

The platinum card gives cardholders access to a platinum concierge service that offers assistance across various spectrums. You can, for example, use this service to book tickets for sporting events, live shows, or movies. You can turn to it to make travel plans, which include booking flight tickets and making hotel reservations. If you want to send someone a gift, this service can help. It can also be of assistance in various business-related matters.

  • The benefits offered by Mastercard

You can use your Mastercard when you travel overseas, to make purchases via EFTPOS terminals and to withdraw money from ATMs. All you have to do is look for the Mastercard logo. You can also use your card to pay bills and make purchases online and over the phone. These credit cards make use of microchip technology, Fraudshield is in place to track irregular transactions and notify you of the same, and SecureCode provides extra protection when you use your card online.

How to apply for a Rock credit card

Visit any Rock branch to apply for the low rate or platinum Mastercard, or initiate the process over the phone. You can also apply online. To apply, you have to meet certain eligibility criteria, which are as follows:

Eligibility criteria

  • You’re over 18 years of age.
  • You’re an Australian citizen or a permanent resident of Australia.
  • You don’t have poor creditworthiness.
  • You can provide a valid email address.
  • You earn at least $25,000 per year or more to apply for the low rate card.
  • You earn at least $35,000 per year or more to apply for the platinum card.

Required documents

  • Personal and contact details. This section requires your complete name, driver's licence number, address and phone number.
  • Job details. Start by selecting your industry and occupation, and then provide your employer’s name and contact details along with time employed with current employer.
  • Income and expenses. If you have other sources of income apart from your primary job’s wages, provide details of these. Expenses include money you spend towards rent, utilities, and all other recurring expenses. This section also requires details about all your existing debts.

What happens next

After you apply, a Card Services rep might contact you for more information. An employment and income verification call might also be made to your place of employment. If you’re a new Rock customer you’ll have to go through a legally required identity verification process, which might entail a trip to a Rock branch.

Frequently asked questions

Here, you’ll find answers to some of the most common questions about Rock credit cards, and you can ask us a question by using the form at the end of this page.

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