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Regional Australia Bank Your Choice Credit Card

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Get a 14.69% interest rate for purchases made with the Regional Australia Bank Your Choice Credit Card.

This low rate card from Regional Australia Bank offers an annual fee of $40 and up to 55 interest-free days. It also offers reduced interest rates if you have an eligible Regional Australia Bank mortgage.

14.69% p.a.

Balance transfer rate

14.69% p.a.

Purchase rate

$40 p.a.

Annual fee

55 days

Interest free period

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Product NameRegional Australia Bank Your Choice Credit Card
Balance transfer rate14.69% p.a.
Purchase rate14.69% p.a.
Annual fee$40
Interest-free period55 days
Cash advance rate14.69% p.a.
Min credit limit$500
Card typeVisa
Foreign currency conversion fee2%
Available to temporary residentsNo
Joint applicationNo


  • Discounted purchase rate of 9.69% p.a. if you have a Partnership Advantage Home Loan
  • Additional cardholder at no extra cost
  • Up to 55 days interest-free on purchases


  • No rewards program or travel insurance
Annual fee$40
Minimum monthly repayment2.5% of the closing balance or $20, whichever is greater
Late payment fee$0
Foreign currency conversion fee2%
Additional cardholder fee$0

Expert review

Amy Bradney-George

Review by

Amy Bradney-George is the acting editor for credit cards and has more than 13 years’ experience writing about personal finance. She has bylines in publications including The Sydney Morning Herald, ABC News and The Equity Magazine. A passionate writer, she’s also acting editor for Finder X and senior writer for Finder Green. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University, and when she’s not writing she spends her time as an actress.

Expert review

This low rate credit card from Regional Australia Bank offers a discounted purchase rate of 9.69% p.a. if you have a Partnership Advantage Home Loan and are approved for a credit limit of at least $5,000. If you have another home loan, you can get a rate of 11.69% p.a.

How to apply

You can apply for the Your Choice credit card online through the Regional Australia Bank website. To get started, make sure you meet the eligibility requirements and have all the details and documents you need for the application.

Eligibility criteria

  • Residency status. You must be an Australian citizen or permanent resident.
  • Age. You must be at least 18 years of age.

Card benefits

  • Discounted rates for home loan customers. If you have a Regional Australia Bank home loan, you can get a 3% discount on your attached Your Choice credit card interest rate. A discount of 5% is also available if you have a Partnership Advantage Home Loan and your card's credit limit is $5,000 or more.
  • Visa benefits. Get access to exclusive travel, dining, shopping and entertainment offers through Visa Offers + Perks, with current promotions listed on the Visa website. You can also make tap and go payments and get 24/7 support for lost or stolen Visa cards.

Rates & fees

  • Interest rate. This card offers a 14.69% p.a. interest rate if you are not an eligible home loan customer.
  • Cash advances. The cash advance interest rate on this card is the same as the rate for purchases. This means a rate of 14.69% p.a. will apply to cash advances if you don't have a qualifying home loan with Regional Australia Bank.

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