The Regional Australia Bank Your Choice Credit Card offers worldwide acceptance through the Visa network and can be used for contactless payments at the checkout. It also offers up to 55 interest-free days if you pay the total amount listed on your statement by the due date.
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
This simple, Visa credit card has a relatively low 14.69% interest rate for purchases and a $40 annual fee.
The Regional Australia Bank Your Choice Credit Card is suited to people who want a low-cost credit card without any fancy extras. It has the same 14.69% p.a. interest rate for purchases and cash advances, which is low compared to the average credit card interest rate of around 20%. Its annual fee is also on par with other low rate credit cards. And if you have a Regional Australia Bank home loan, you can get a discounted interest rate of 11.69% p.a. But, as some cards have lower rates and fees, it's worth comparing a few options before you apply.
Pros
-
Discounted 11.69% p.a. purchase rate if you have an eligible Regional Bank Australia home loan
-
Additional cardholder at no extra cost
-
Up to 55 days interest-free on purchases
Cons
-
Relatively high 3.5% foreign transaction fee
-
No rewards program or travel insurance
Details
Product details
| Product Name | Regional Australia Bank Your Choice Credit Card |
| Balance transfer rate p.a. | 14.69% |
| Purchase rate p.a. | 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 | 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 | Foreign currency conversion fee 3.5% |
| Additional cardholder fee | $0 |
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Amy Finder
Editor
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Richard Whitten Finder
September 17, 2024
Hi Jeannie,
If you’re struggling to find the right card for you, then you need to work out what you’re looking for. There are low rate cards (easier to get, good for basic spending, lower fees), reward and frequent flyer cards (more expensive but you earn points) and many others.
If you are struggling to get a credit card approved you can check your credit score and see if there are any unpaid bills etc causing issues. Applying for a low rate or no annual fee card is usually easier to get approved than a more expensive card.
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Jeannie
August 24, 2024
I am trying to get a credit card after being awa from Australia for a while. I can’t seem to find one. Any suggestions