Regional Australia Bank Your Choice Credit Card

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Regional Australia Bank Your Choice Credit Card

Balance transfer

N/A

Purchase rate

14.69% p.a. ongoing

Annual fee

$40.00 p.a. ongoing

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 and cons

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.

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.

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