Regional Australia Bank Your Choice Credit Card

Make a right choice when selecting a credit card by choosing Your Choice Credit Card from Regional Australia Bank.

If you are looking for low annual fees, interest-free days and low interest charges then Your Choice Credit Card from Regional Australia Bank provides ideal terms. It comes with an annual fee of only $40 with 55 interest-free days and an interest rate of 14.69% p.a. In case you are a user of Regional Australia Bank mortgage this interest rate is further reduced to These terms not only help in reducing the interest and maintenance costs for a credit card but can also be used for balance transfers to reduce the interest charges on other debt.

Product NameRegional Australia Bank Your Choice Credit Card
Purchase rate (p.a.)14.69% p.a.
Annual fee$40 p.a.
Interest Free Period
The interest-free period is the maximum number of days during which interest is not charged on new purchases. This only applies if you pay your closing balance in full by the statement due date.
Up to 55 days on purchases
Cash advance rate (p.a.)14.69% p.a.
Min credit limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
$500
Card TypeVisa
Complimentary Travel InsuranceNo
Minimum Age18 years of age
Available To Temporary ResidentsNo
Annual fee$40 p.a.
Minimum Monthly Repayment$20 or 2.50% whichever is greater
Late Payment Fee$0
Cash Advance Fee$0
Additional Cardholder Fee$0

Benefits of Your Choice Credit Card

  • Low interest rate. This is one of the main aspects of this card. It reduces the interest charges to an all-time low rate of 14.69% p.a. Customers can freely use the card without worrying about the high interest costs. A further discount of 3% p.a. is provided for Regional Australia Bank mortgage users.
  • Interest-free days. Up to 55 interest free days are provided by the card. By sticking to the payment schedule regularly cardholders can reduce their interest cost to absolute zero.
  • Low annual fee. Annual fee of $40 is charged on the card which is one of the lowest in its category.

Features of the Your Choice Credit Card

  • Balance transfer. Cardholders can transfer their debt from other cards to Your Choice Credit Card and take benefit of low interest rates. The balance transfer rate is 14.69% p.a. with a 3% p.a. discount for Regional Australia Bank mortgage users. This debt consolidation move can save hundreds of dollars in interest charges and make overall budgeting of expenses much easier.
  • Annual fee. Pay a low annual fee of $40 for this card.
  • Interest-free days. Receive up to 55 interest-free days on purchases when you pay your monthly statement in full.
  • Verified by Visa. Cardholders can participate in “Verified by Visa” program where an additional layer of security is provided when making purchases. This is available at all the participating stores.
  • Global acceptance transfer. This card is accepted widely in Australia and overseas.
  • Additional cardholder. If required, an additional cardholder can be nominated who will be provided the card for $0 p.a.

How to apply for Your Choice Credit Card

If you have decided that Your Choice Credit Card suits your needs you can click ‘Apply Online’ button on their site.

Application criteria

  • You must be at least 18 years of age.
  • You must be permanent resident of Australia.

Required information

  • Personal information needs to be provided including name, date of birth and contact details.
  • Employer details include place of work and contact details.
  • Details about income and asset have to be provided.

This is an ideal card for users looking for low interest and maintenance costs. With the rock bottom interest rate and interest free days cardholders can rest assured that the overall cost of this card will be bare minimum.

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Credit Cards Comparison

Rates last updated November 19th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
NAB Low Fee Platinum Card - Exclusive Offer
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$49 p.a. annual fee for the first year ($149 p.a. thereafter)
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Virgin Australia Velocity Flyer Card - Exclusive Offer
0% p.a. for 14 months (reverts to 20.74% p.a.)
0% p.a. for 6 months
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
finder Exclusive: Save on credit card costs with half the annual fee for the first year and a 0% p.a. interest rate on purchases for 14 months.
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20.24% p.a.
$50 p.a. annual fee for the first year ($249 p.a. thereafter)
finder Exclusive:
Up to 90,000 bonus Qantas Points when you meet the criteria with this dual Visa (issued & serviced by Westpac) & Amex (issued & serviced by Amex).

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* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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