Regional Australia Bank Credit Cards

Compare Regional Australia Bank's credit card offers. Get informed about their rates, fees, and benefits before applying.

By   |   Updated 7 Mar 2024

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Comparing Regional Australia Bank credit cards

Regional Australia Bank Your Choice Credit Card

On website

Regional Australia Bank Your Choice Credit Card

Highlights

  • Enjoy a purchase rate of 11.69% p.a. if you have a Regional Australia Bank home loan (14.69% p.a. ongoing purchase rate).
  • Low annual fee of $40 p.a.
  • Up to 55 days interest-free on purchases.

Pros

  • Low annual fee (waived for Partnership Advantage Home Loan holders).
  • Discounted purchase and advance interest rates for home loan holders.
  • Additional cardholder at no extra cost.
  • Get up to 55 interest-free days on purchases.
  • Minimum credit limit of $500 for those who wish to keep spending on a tight leash.

Cons

  • No rewards program.
  • No overseas travel insurance and concierge services.
Regional Australia Bank Visa Platinum Rewards Credit Card

On website

Regional Australia Bank Visa Platinum Rewards Credit Card

Highlights

  • No fees for additional cardholders, cash advances and late payments.
  • The annual fee is waived for Partnership Advantage Home Loan holders (usually $195 p.a.).
  • Earn 0.75 Qantas Points for every $1 you spend on eligible purchases ang get complimentary Qantas Frequent Flyer membership and 10,000 points a year.
  • Up to 45 days interest-free on purchases.

Pros

  • No fees for cash advances, late payments or additional cardholders.
  • Complimentary travel insurance
  • Visa Platinum Concierge Service.
  • Earn Qantas points for flights, travel upgrades and more.

Cons

  • The 19.99% p.a. interest rate on cash advances and purchases.
  • Interest free days limited to 45..

Regional Australia Bank offers a variety of credit cards tailored to meet the needs of customers residing in regional Australia. From low-interest rates to competitive rewards programs, Regional Australia Bank credit cards aim to provide financial solutions that enhance the overall banking experience. This article delves into the features, benefits, and application process for Regional Australia Bank credit cards.

Types of Regional Australia Bank Credit Cards

Regional Australia Bank offers a range of credit cards to cater to diverse needs and preferences. Each card comes with unique features and benefits, designed to suit different lifestyles and spending habits. Here are some of the commonly offered Regional Australia Bank credit cards and their features:

Standard Credit Card

  • Competitive interest rates
  • Worldwide acceptance
  • Online account management

Rewards Credit Card

  • Earn rewards points on eligible purchases
  • Redeem points for travel, merchandise, or cashback
  • Additional perks such as travel insurance

Low Rate Credit Card

  • Lower interest rates for budget-conscious consumers
  • Suitable for carrying a balance from month to month
  • Minimal annual fees

Benefits of Regional Australia Bank Credit Cards

Regional Australia Bank credit cards offer a range of benefits that can enhance your financial well-being and provide convenience in managing your expenses. Some of the key benefits include:

  • Competitive interest rates
  • Rewards programs for earning points on purchases
  • Fraud protection and security features
  • Contactless payment options for faster transactions
  • Access to exclusive offers and discounts

How to Apply for a Regional Australia Bank Credit Card

Applying for a Regional Australia Bank credit card is a straightforward process that can be completed online or in-person at a local branch. Here are the general steps to follow when applying for a Regional Australia Bank credit card:

  1. Visit the Regional Australia Bank website or nearest branch.
  2. Choose the type of credit card that best suits your needs.
  3. Fill out the online application form or request a paper application.
  4. Provide the necessary documents, such as identification and income verification.
  5. Submit your application and wait for approval.

Managing Your Regional Australia Bank Credit Card

Once you have been approved for a Regional Australia Bank credit card, it is essential to effectively manage your card to make the most of its benefits while staying financially responsible. Here are some tips for managing your Regional Australia Bank credit card:

  • Set up automatic payments to avoid missing due dates.
  • Monitor your spending and track your transactions regularly.
  • Utilize online banking services to view statements and manage your account.
  • Keep your card details secure and report any suspicious activity immediately.

Help choosing a Regional Australia Bank credit card

Navigate the best options effortlessly with our expert guidance on selecting the ideal Regional Australia Bank credit card for your financial goals.

  • FAQs

How can I check my Regional Australia Bank credit card balance online?

To check your Regional Australia Bank credit card balance online, log in to your online banking account through the Regional Australia Bank website or mobile app. Once logged in, you can view your credit card balance, recent transactions, and monthly statements.

What are the fees associated with Regional Australia Bank credit cards?

Fees associated with Regional Australia Bank credit cards can include annual fees, late payment fees, cash advance fees, and international transaction fees. Specific fees depend on the credit card type. For detailed information on fees, refer to the terms and conditions of your credit card or contact Regional Australia Bank directly.

Can I upgrade or downgrade my Regional Australia Bank credit card?

Yes, you can upgrade or downgrade your Regional Australia Bank credit card by contacting their customer service or visiting a branch. The bank will review your account and discuss available options based on your current financial situation and needs.

How can I report a lost or stolen Regional Australia Bank credit card?

If your Regional Australia Bank credit card is lost or stolen, immediately report it by calling Regional Australia Bank's 24/7 customer service hotline. They will block your card to prevent unauthorized use and assist you with the process of obtaining a replacement card.

What should I do if I suspect fraudulent activity on my Regional Australia Bank credit card?

If you suspect fraudulent activity on your Regional Australia Bank credit card, report it as soon as possible to Regional Australia Bank. You can do this by calling their customer service. The bank will investigate the suspicious transactions and take necessary actions to secure your account, including issuing a new card if needed.