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RACQ Platinum Rewards Credit Card

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Enjoy a 0% p.a. interest rate for 14 months on balance transfers and earn 30,000 bonus points when you meet the spend requirement.

This low fee card also offers additional benefits such as complimentary international travel insurance, purchase cover insurance and access to a 24/7 personal concierge service. In addition to 55 days interest-free on purchases, if you are an existing RACQ customer you may be eligible for an annual fee waiver or discount.

0% p.a.

Balance transfer rate

for 14 months


Bonus points

20.24% p.a.

Purchase rate


Reward point

Per $ spent (Visa/Mastercard)


Product NameRACQ Platinum Rewards Credit Card
Rewards programCard Services Rewards Program
Balance transfer rate0% p.a. for 14 months
Balance Transfer Revert RateCash Advance Rate (21.74% p.a.)
Balance Transfer Limit80% of available balance
Purchase rate (p.a.)20.24% p.a.
Annual fee$129 p.a.
Interest free period55 days
Cash advance rate (p.a.)21.74% p.a.
Card typeMastercard
Foreign currency conversion fee (Visa/Mastercard)3.4%
Complimentary travel insuranceYes
Minimum Income$35,000
Minimum age18 years of age
Available to temporary residentsNo
Joint applicationNo


  • Take advantage of 0% p.a. on balance transfers for the first 14 months.
  • Up to 55 days interest-free on purchases.
  • Receive 30,000 when you spend $3,000 on eligible transactions in the first 90 days.


  • This credit card charges a relatively high interest rates on purchases and cash advances.
Rewards programCard Services Rewards Program
Bonus Points30,000 bonus points
Rewards Points per $ spent (Visa/Mastercard)1
Annual fee$129 p.a.
Late payment fee$30
Foreign currency conversion fee (Visa/Mastercard)3.4%
Cash Advance Fee3.5% or $3.50, whichever is greater
Overseas cash advance fee$5

How to apply

Eligibility criteria:

  • Age. You must be at least 18 years of age to apply.
  • Income. You must earn a minimum of $35,000 per year.

Card benefits

Complimentary insurance policies

  • Purchase cover insurance. Receive complimentary purchase cover insurance with the Platinum Mastercard. This insurance covers loss, theft or accidental damage to a range of personal goods that were purchased on your Platinum Mastercard for a three-month period. Please note an excess applies to claims on this policy.
  • Interstate flight inconvenience insurance. The Platinum Mastercard also comes with complimentary interstate flight inconvenience cover. This protects you against any domestic flight inconvenience and covers cancellations, rental vehicle excess and more. This is perfect for those who frequently travel interstate for business.

Rates & fees

  • Balance transfer offer. Receive a 0% p.a. interest rate on balance transfers for up to 14 months. After this period the balance transfer rate will revert back to the cash advance rate, currently 21.74% p.a.
  • Triple points. Earn triple the amount of rewards points on RACQ purchases.

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