In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask an expert
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Regional Australia Bank Your Choice Credit Card

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Regional Australia Bank Your Choice Credit Card
Terms and conditions apply
Balance transfer rate with no balance transfer fee
14.69% p.a.
Purchase rate
14.69% p.a.
Annual fee
$40 p.a.
Interest-free on purchases
Up to 55 days

Our verdict

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

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.

Pros

  • 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

Cons

  • No rewards program or travel insurance

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask an expert

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.

Details

Product details

Product Name Regional Australia Bank Your Choice Credit Card
Balance transfer rate p.a. 14.69%
Purchase rate p.a. 14.69%
Interest-free period Up to 55 days on purchases
Cash advance rate p.a. 14.69%
Min credit limit $500
Card type Visa

Eligibility

Available to temporary residents No
Joint application No

Rewards

Bonus points N/A

Fees

Annual fee $40
Minimum monthly repayment 2.5% of the closing balance or $20, whichever is greater
Late payment fee $0
Foreign currency conversion fee 3.5%
Additional cardholder fee $0

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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