Regional Australia Bank Platinum Rewards credit card

Earn Qantas Points and enjoy Visa Platinum perks while saving on fees.

The Regional Australia Bank Platinum Rewards card offers Qantas Points per $1 spent on retail purchases and a platinum concierge service. On top of that, your annual card fee will be waived if you hold a Partnership Advantage home loan with the bank.

19.99% p.a.

Purchase rate


Reward points

Per $ spent

$195 p.a.

Annual fee

45 days

Interest free period

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Product NameRegional Australia Bank Visa Platinum Rewards Credit Card
Rewards programQantas Frequent Flyer
Balance transfer revert rateCash Advance Rate (19.99% p.a.)
Purchase rate19.99% p.a.
Annual fee$195
Interest-free periodUp to 45 days on purchases
Cash advance rate19.99% p.a.
Min credit limit$6,000
Card typeVisa
Foreign currency conversion fee2%
Available to temporary residentsNo
Joint applicationNo


  • Waived annual fee if you hold a Partnership Advantage Home Loan
  • Free additional cardholders
  • Complimentary travel insurance and platinum concierge


  • Offers up to 45 days interest-free, compared to other cards with 55 days
Rewards programQantas Frequent Flyer
Bonus pointsN/A
Rewards points per $ spent0.75
Annual fee$195
Minimum monthly repayment2.5% of the closing balance or $20, whichever is greater
Late payment fee$0
Foreign currency conversion fee2%
Overseas ATM withdrawal fee$0
Additional cardholder fee$0

Review by

Sally McMullen is a creative content producer at Finder. Sally has written about credit cards for almost 5 years, authoring almost 900 articles on Finder alone. She has also been published in Yahoo Finance, Dynamic Business, Financy and Mamamia, as well as Music Feeds and Rolling Stone. Sally has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.

Expert review

The Regional Australia Bank Visa Platinum Rewards is a Qantas Frequent Flyer credit card that offers 0.75 Qantas Points per $1 spent, with a $10,000 monthly cap that means you can earn a maximum of 7,500 Qantas Points per month. It also offers 1 additional point per $1 for eligible spending with Qantas. But a highlight of this card is that it gives you a bonus 10,000 Qantas Points for each year you keep the account open and in good standing

How to apply

Applying for the Regional Australia Bank Visa Platinum Rewards credit card can be an easy online process which takes only a couple of minutes. You could alternatively also call 13 20 67, but make sure you meet the following eligibility requirements before applying.

Eligibility criteria checklist

  • How old are you? You must be 18 years or older to apply.
  • Are you an Australian citizen? You must be an Australian citizen or permanent Australian resident.

Card benefits

  • Earn Qantas Points. Earn 0.75 Qantas Points per $1 spent on eligible purchases (capped at $10,000 per statement period), and 1 bonus point per $1 spent at the Qantas Store or Eligible purchases exclude balance transfers, cash advances, BPAY transactions and purchases made while the account is in arrears.
  • Annual 10,000 bonus Qantas Points. To collect the Regional Australia Bank 10,000 bonus points each year, you need to keep the account in good standing throughout the year. This includes not letting the account go into arrears at any time during your 12-month membership year. When you meet the eligibility requirements, the 10,000 points will be added to your monthly rewards balance in month 11 of your first membership year, then on each following 12-month anniversary.

Rates & fees

  • Purchase and cash advance rate. The Regional Australia Bank Visa Platinum Rewards card has a purchase and cash advance rate of 19.99%
  • Annual fee. This card has a standard annual fee of $195.
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