Your Choice Credit Card

Versatile and competitive no frills credit card with low rates, low annual fee and great discounts for home loan borrowers.

Purchase Rate- with a Regional Australia Bank home loan
11.69%p.a1
Purchase Rate- without an attached home loan
14.69%p.a1
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Features & Benefits

Low Annual Fee
Low Interest Rate
Discounts for Home Loan Borrowers¹
Visa Worldwide Acceptance

Most credit cards make you choose between a low interest rate or a low fee, and plenty don’t have either! Your Choice Visa gives you the best of both, along with 55 days interest free on purchases and worldwide acceptance through the Visa network.

Your Choice also offers benefits like no upfront fees, the same low rate for balance transfers and cash advances, and a low currency conversion charge on international purchases.

Additionally, if you have a home loan with us, you get a 3.00% discount on attached Your Choice cards.

Have a question or want to get started?

Apply online now

Its easy to apply online with Regional Australia Bank. Get your application completed at a time that suits you.

Get Answers

Have a question? Simply send us your enquiry and we'll get back to you.

Call us

We're available on 132 067 if you would like to apply over the phone or have a question.

Product Details

Target Market Determination
Max. Interest Free Days
55 days
Reward Points
None
Minimum Credit Limit
$500
Swipe
Yes
Chip
Yes
Contactless Tap & Go
Yes
Additional Features
Annual Fee
$40
Waived for Partnership Advantage Home Loan holders
Additional Cardholder Fee
Free
Cash Advance Fee
Free
ATM Withdrawals or Enquiries
Free2
Visa Transactions
Free
Direct Debits and Credits
Free
Over the Counter Withdrawal
Free
Staff Assisted External Transfer
Free
Over Limit Fee
$3.50
Direct Debit Dishonour
$5.00
Bank Cheque Fee
$11.00
Cheque Deposit
10 free cheques included per month
Additional cheques $0.50
Late Payment Fee
Free
Purchase Rate- with a Regional Australia Bank home loan
11.69%p.a1
Purchase Rate- without an attached home loan
14.69%p.a1
Cash Advance Rate
As per your relevant Purchase Rate
Disclaimer

1 3.00% discount if a Your Choice Visa is held on the same membership as an active, funded Home Loan. Interest rates are on a per annum basis and are current as of today's date and are subject to change.

2 No withdrawal fees at Regional Australia Bank ATMs. Transactions at other financial institutions’ ATMs may incur a fee.

Not available for businesses, associations or trusts.
Terms, conditions, fees, charges and normal lending criteria apply. See Fees & Charges for full details.
Please refer to the Product Details, Visa Conditions of Use and Target Market Determination when considering if this product is right for you.
Regional Australia Bank Ltd is the issuer of the product.

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