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 Partnership Advantage Home Loan
9.69%p.a1
Purchase Rate- without an attached home loan
14.69%p.a1

Features & Benefits

Tick box Created with Sketch.
Low Annual Fee
Tick box Created with Sketch.
Low Interest Rate
Tick box Created with Sketch.
Discounts for Home Loan Borrowers¹
Tick box Created with Sketch.
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, and if your loan is a Partnership Advantage Home loan you get an amazing 5.00% discount on attached Your Choice cards.1

Product Details

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 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
6 Free withdrawals per month
Additional withdrawals $2.00
(Exempt when membership balance is over $5,000)
Staff Assisted External Transfer
$2.25
Over Limit Fee
$12.50
Direct Debit Dishonour
$12.50
Bank Cheque Fee
$11.00
Cheque Deposit
10 free cheques included per month
Additional cheques $0.50
Purchase Rate- with a Partnership Advantage Home Loan
9.69%p.a1
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. 5.00% discount if a Your Choice Visa with a minimum credit limit of $5,000 is held on the same membership as an active, funded Partnership Advantage Home Loan. Subject to change. Interest rates are on a per annum basis and are current as at 08/08/16 and are subject to change.

2 No withdrawal fees at Regional Australia Bank ATMs and ATMs that are a part of the Westpac Network within Australia. 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 Visa Conditions of Use when considering if this product is right for you.
Community Mutual Ltd is the issuer of the product.