Regional Australia Bank Your Choice Credit Card

Get a competitive 14.69% p.a. 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.

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 limit you can be granted. It is possible to request a higher credit 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 card has an interest rate of 14.69% p.a. 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.
  • 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

  • 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 July 19th, 2019
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee Product Description
Citi Clear Platinum Credit Card
12.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers a long-term balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks.
Virgin Australia Velocity Flyer Card - Annual Fee Offer
20.74% p.a.
0% p.a. for 18 months
$50 p.a.
Save with an ongoing $50 annual fee and 0% balance transfer offer. Plus, the ability to earn up to 30,000 bonus Velocity Points in the first 3 months.
Latitude Low Rate Mastercard
11.99% p.a.
$69 p.a.
Offers a competitively low interest rate and annual fee, plus up to 55 interest-free days on purchases.

Compare up to 4 providers

* 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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