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 April 27th, 2017.

The Rock MyCard Low Rate MasterCard

Balance transfer period changed from 9 to 12 months, and is valid until 31 July 2017.

February 3rd, 2017

The Rock MyCard Platinum MasterCard

Balance transfer and bonus points offers have been extended until 31 July 2017.

February 17th, 2017

View latest updates

Jonathan Choi Jonathan
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
The Rock MyCard Low Rate MasterCard
Enjoy a discounted annual fee for life plus a low balance transfer offer of 0% p.a. for 12 months, and up to 55 days interest-free on purchases.
12.99% p.a. 0% p.a. for 12 months $49 p.a. More info
The Rock MyCard Platinum MasterCard
Earn 1.00 reward points for every $1 spent on your card.
20.24% p.a. 0% p.a. for 14 months $99 p.a. annual fee for the first year ($179 p.a. thereafter) More info

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.

Rates last updated April 27th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
The Rock MyCard Low Rate MasterCard
Enjoy a discounted annual fee for life plus a low balance transfer offer of 0% p.a. for 12 months, and up to 55 days interest-free on purchases.
12.99% p.a. 0% p.a. for 12 months $49 p.a. Up to 55 days on purchases More info
Rates last updated April 27th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
NAB Low Rate Credit Card
A low rate card which offers 0% p.a. on balance transfers for the first 18 months combined with a low annual fee.
13.99% p.a. 0% p.a. for 18 months with 3% balance transfer fee $59 p.a. Up to 55 days on purchases Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 12 months on balance transfers and 0% p.a. for 6 months on purchases, plus a low annual fee.
0% p.a. for 6 months (reverts to 13.24% p.a.) 0% p.a. for 12 months $55 p.a. Up to 55 days on purchases Go to site More info
HSBC Low Rate Credit Card
This card comes with a balance transfer offer, a low interest rate and up to 55 days interest-free on purchases.
13.25% p.a. 0% p.a. for 15 months with 2% balance transfer fee $55 p.a. Up to 55 days on purchases Go to site More info
American Express Essential®  Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Up to 55 days on purchases Go to site More info
CUA Low Rate Credit Card
A low rate credit card which features a long-term balance transfer offer, a low ongoing interest rate on purchases and a waived annual fee for the first year.
11.99% p.a. 0% p.a. for 13 months $0 p.a. annual fee for the first year ($49 p.a. thereafter) Up to 55 days on purchases Go to site More info
ANZ Low Rate Platinum
Enjoy platinum benefits with exclusive discounts, complimentary travel insurance and personal concierge. Also repay your credit card debt interest-free with 0% p.a. for 16 months on balance transfers.
11.49% p.a. 0% p.a. for 16 months with 2% balance transfer fee $99 p.a. Up to 55 days on purchases Go to site More info
NAB Low Rate Platinum Card
Offers a low introductory rate of 0% p.a. on balance transfers for 18 months plus enjoy premium benefits including international travel insurance.
13.99% p.a. 0% p.a. for 18 months with 3% balance transfer fee $100 p.a. Up to 55 days on purchases Go to site More info
Bendigo Bank Basic Black Credit Card
A basic credit card that features low interest rates, low annual fee and up to 44 interest-free days on purchases.
12.24% p.a. $45 p.a. Up to 44 days on purchases Go to site More info
Westpac Low Rate Card - Online Only Balance Transfer Offer
A low interest rate on everyday purchases and a long term balance transfer rate offer of 0% for 24 months.
13.49% p.a. 0% p.a. for 24 months with 2% balance transfer fee $59 p.a. Up to 55 days on purchases Go to site More info
ANZ Low Rate
Take advantage of 0% p.a. for 16 months on balance transfers and a low ongoing interest rate on purchases.
12.49% p.a. 0% p.a. for 16 months with 2% balance transfer fee $58 p.a. Up to 55 days on purchases Go to site More info
Virgin Money Low Rate Credit Card
Enjoy a low ongoing purchase rate with an introductory rate on balance transfers and a competitive annual fee.
11.99% p.a. 0% p.a. for 12 months $99 p.a. Up to 44 days on purchases Go to site More info
St.George Vertigo Platinum - Online Only Balance Transfer Offer
Enjoy a long-term balance transfer offer of 3% p.a. for 36 months when you apply online, plus complimentary insurance covers and a personal concierge service.
12.74% p.a. 3% p.a. for 36 months $99 p.a. Up to 55 days on purchases Go to site More info
Westpac Low Rate Card
A simple low interest rate card featuring a low ongoing rate on purchases, up to 55 days interest-free on purchases and a low annual fee.
0% p.a. for 6 months (reverts to 13.49% p.a.) 0% p.a. for 12 months $59 p.a. Up to 55 days on purchases Go to site More info
Bank of Melbourne Vertigo Platinum
A platinum card with a low balance transfer offer of 0% p.a. interest for 12 months and 0% p.a. for 6 months on purchases combined with complimentary insurance covers.
0% p.a. for 6 months (reverts to 12.74% p.a.) 0% p.a. for 12 months $99 p.a. Up to 55 days on purchases Go to site More info
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.

Rates last updated April 27th, 2017
Points per $ spent Complimentary Travel Insurance Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
The Rock MyCard Platinum MasterCard
Earn 1.00 reward points for every $1 spent on your card.
1 Yes 20.24% p.a. 0% p.a. for 14 months $99 p.a. annual fee for the first year ($179 p.a. thereafter) More info
Rates last updated April 27th, 2017
Points per $ spent Complimentary Travel Insurance Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
NAB Rewards Platinum Card
Enjoy 80,000 bonus points when you spend $2,500 on everyday purchases within 90 days from card approval. Benefit from $0 annual fee for the first year and a range of platinum features.
1 Yes 19.99% p.a. 4.99% p.a. for 6 months $0 p.a. annual fee for the first year ($195 p.a. thereafter) Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
VISA/MC: 1 AMEX: 0 Yes 19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn 2 Velocity Points on top of the standard earn rate per $1 spent within the first three months. Plus, save with a long-term balance transfer offer and a reduced annual fee in the first year.
VISA/MC: 0.66 AMEX: 0 No 20.74% p.a. 0% p.a. for 18 months with 1.5% balance transfer fee $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
Citi Rewards Platinum Credit Card
Enjoy a long-term balance transfer offer and earn 1 Citi Reward Point per $1 spent on all eligible domestic and international spend.
VISA/MC: 1 AMEX: 0 Yes 20.99% p.a. 0% p.a. for 24 months with 1.5% balance transfer fee $49 p.a. annual fee for the first year ($149 p.a. thereafter) Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Also, enjoy an annual fee waiver in the first year.
VISA/MC: 0 AMEX: 0 Yes 0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
NAB Premium Card
Platinum credit card benefits including higher credit limits and travel insurance, plus a low interest rate on balance transfers.
VISA/MC: 0 AMEX: 0 Yes 19.74% p.a. 0% p.a. for 24 months with 3% balance transfer fee $90 p.a. Go to site More info
Qantas American Express Ultimate Card
Enjoy 75,000 bonus Qantas Points when you meet the spend criteria plus 75 Bonus Status Credits when you book and fly back with Qantas. Earn up to 2.5 Qantas Points per $1 spent on eligible purchases.
1.5 Yes 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $450 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
VISA/MC: 1 AMEX: 0 Yes 19.99% p.a. $199 p.a. Go to site More info
American Express Explorer Credit Card
Receive 100,000 Membership Rewards Bonus Points on eligible spend within the first 3 months of card membership. Also enjoy a $400 travel voucher and two complimentary airline passes per year.
2 Yes 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $395 p.a. Go to site More info
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 12 months and an introductory purchase offer of 0% p.a. for 6 months.
VISA/MC: 0 AMEX: 0 Yes 0% p.a. for 6 months (reverts to 12.74% p.a.) 0% p.a. for 12 months $99 p.a. Go to site More info
NAB Rewards Business Platinum Card
Enjoy 80,000 bonus points when you meet the spend criteria, earn 1 rewards point per $1 spent and enjoy a $0 annual card fee for the first year.
1 No 18.50% p.a. $0 p.a. annual fee for the first year ($175 p.a. thereafter) Go to site More info
ANZ Frequent Flyer Platinum
Get 50,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases within the first 3 months. Enjoy a waived annual fee for the first year and earn up to 0.750 Qantas Points for spending.
0.75 Yes 19.99% p.a. $0 p.a. annual fee for the first year ($295 p.a. thereafter) Go to site More info
Citi Simplicity Card
Take advantage of the 0% p.a. for 15 months offer on balance transfers, a low interest rate on purchases, an annual fee waiver for life, plus 5% cash back on retail purchases.
VISA/MC: 0 AMEX: 0 No 19.99% p.a. 0% p.a. for 15 months with 1.5% balance transfer fee $0 p.a. Go to site More info
28 Degrees Platinum MasterCard
Benefit from no international transaction fees on purchases, no currency conversion fees and no annual fee.
No 21.99% p.a. 4.99% p.a. for 6 months $0 p.a. Go to site More info
ANZ Low Rate Platinum
Enjoy platinum benefits with exclusive discounts, complimentary travel insurance and personal concierge. Also repay your credit card debt interest-free with 0% p.a. for 16 months on balance transfers.
Yes 11.49% p.a. 0% p.a. for 16 months with 2% balance transfer fee $99 p.a. Go to site More info
NAB Low Rate Platinum Card
Offers a low introductory rate of 0% p.a. on balance transfers for 18 months plus enjoy premium benefits including international travel insurance.
Yes 13.99% p.a. 0% p.a. for 18 months with 3% balance transfer fee $100 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
An interest-free period on both purchases and balance transfers.
VISA/MC: 0.66 AMEX: 0 No 0% p.a. for 12 months (reverts to 20.74% p.a.) 0% p.a. for 6 months $129 p.a. Go to site More info
Woolworths Everyday Platinum Credit Card
Receive a $100 eGift Card when you apply by 30 June 2017 and make an eligible purchase by 31 July 2017. Also, enjoy a long-term balance transfer offer and an annual fee waiver for the first year.
VISA/MC: 1 AMEX: 0 No 19.99% p.a. 0% p.a. for 14 months $0 p.a. annual fee for the first year ($49 p.a. thereafter) Go to site More info
ANZ Rewards Travel Adventures card
Pay no overseas transaction fee on purchases, earn up to 1.5 for every dollar spent on eligible purchases, plus receive complimentary domestic return flight and lounge passes each year you hold the card when you spend $500 on eligible purchases within the first three months.
1.5 Yes 20.24% p.a. $225 p.a. Go to site More info
ANZ Rewards Platinum
Enjoy accelerated points earning and great Platinum features with ANZ Rewards Platinum card. Also get the chance to receive $250 Westfield Gift Card when you spend $2,500 in the first 60 days from card approval plus a waived annual fee for the first year.
1.5 Yes 18.79% p.a. $0 p.a. annual fee for the first year ($95 p.a. thereafter) Go to site More info
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.

How much time does it take for me to get my new MasterCard?

The entire process of reviewing and verifying your application and then dispatching your new card can take up to three weeks.

How can I make repayments towards my MasterCard?

The traditional methods of posting cheques and making in-person payments at branches remain. You can set up automatic repayments using just about any Australian savings or transaction account. Other options include turning to online and phone banking.

Are there any limits for balance transfers?

You have to transfer at least $500, and you cannot transfer more than 80% of your credit card’s limit.

When should I apply for a balance transfer?

Provide the details through your original credit card application, or when a Card Services rep contacts you to inform you of your application’s conditional approval.

Can I get an additional card, and if so, how?

You can get up to four additional cards linked to your primary card, and you can apply for one online, over the phone, or by visiting a Rock branch.

How do I earn reward points?

Platinum cardholders earn reward points upon making eligible in-store, online, or over the phone purchases, where every dollar spent earns 1 reward points. Additional cards linked to platinum cards also earn reward points.

How can I redeem reward points?

To redeem your reward points you can visit the Card Services website or call Card Services.

Is there a cap on the number of points I can earn?

Yes. Reward points are earned on a cycle basis, where every year, as a platinum cardholder you cannot earn more than 100,000 reward points. However, if your account is in good standing your points will never expire.

What can I get for my reward points?

Take Flight allows you to redeem your reward points for flight tickets, and you also have the option to transfer your points to a frequent flyer reward program. A number of travel and shopping vouchers are there for the taking, and you can also use your points as cashback.

How often do I receive a statement, and is there anything in particular I need to know?

Card Services provides you with a credit card statement each month. If you apply for your credit card online, you provide consent to receive your statement, and all other forms of correspondence, electronically. You can change this preference once your account is open.

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