The basics
- Additional cardholders. You can add an additional cardholder to your Regional Australia Bank Your Choice Credit Card for free. This allows you to share the account with a family member, and you will be responsible for keeping the account in good standing.
- Digital wallets. The Regional Australia Bank Your Choice Credit Card can be used with Apple Pay, Google Pay, and Samsung Pay.
- Gambling transactions. This card cannot be used to make transactions related to gambling.
Rewards and benefits
- Complimentary travel insurance. This card does not provide complimentary international travel insurance.
- Concierge services. The Regional Australia Bank Your Choice Credit Card does not provide cardholders with access to a concierge service.
- Insurances. This card comes with fraud protection and no additional insurance features.
- Rewards points. This credit card does not have a rewards program.
- Sign up bonus. Regional Australia Bank does not offer a sign up bonus for this card.
Rates and fees
- Annual fee. The ongoing annual fee for this card is $40. Partnership Advantage Home Loan holders get an annual fee waiver.
- Balance transfers. This credit card does not currently offer balance transfer facilities.
- Cash advances. Cash advances made with the Regional Australia Bank Your Choice Credit Card are subject to an interest rate of 14.69% p.a., which will be charged from the day the cash advance is made. Cash advances made with this card will incur a one-off fee in addition to the interest rate. However, if you have a Regional Australia Home Loan, you get discounted cash advance rate of 11.69% p.a. There are no cash advance fees.
- Foreign exchange fee. All purchases made online or overseas in a foreign currency will incur a 3.5% fee.
- Interest-free period. You'll get up to 55 days interest-free on purchases (except cash advances) when you have paid your previous balance in full or made the minimum required payment.
- Purchases. The Regional Australia Bank Your Choice Credit Card does not have an introductory offer on purchases. All purchases by those without a home loan will be charged interest at the ongoing rate of 14.69% p.a. If you are a Regional Australia Home Loan, you get 3 percentage points off your purchase rate, to 11.69% p.a.
