Regional Australia Bank credit cards

Regional Australia Bank
Regional Australia Bank's overall rating for credit cards

(as rated by the Mozo community)

8.7 / 10

based on 9 reviews

Looking for a credit card that’s all about you? Check out the offering from Regional Australia Bank. With this handy addition to your wallet, you can spend in whatever way suits you.

Rates and fees verified as correct at 16 November, 2018. Other information correct at the time of writing.

What credit cards do Regional Australia Bank offer?

Low rate credit cards Low rate credit cards

Looking for a credit card to help you manage your monthly costs? Look no further than this great low rate option from Regional Australia Bank. With a special bonus offer for those who bundle their credit card with a Regional Australia Bank home loan, this is a credit card you’ll want to take a look at.

Product Purchase rate Balance transfer rate Annual fees Interest free days

14.69% p.a.

No current offer

$40

55


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Low fee credit cards Low fee credit cards

Why pay high fees when you don’t have to? The credit card offering from Regional Australia Bank is a low fee, low rate option - making it a great choice for all kinds of spenders, whether you tend to carry a balance or pay your bill in full each and every month.

Product Purchase rate Balance transfer rate Annual fees Interest free days

14.69% p.a.

No current offer

$40

55


Hide

Rewards credit cards Rewards credit cards

Product Points per dollar Purchase rate Balance transfer rate Annual fees

0.75 points per dollar on Visa, up to $10,000 per month

19.99% p.a.

No current offer

$195


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Prestige cards Prestige cards

Product Points per dollar Purchase rate Balance transfer rate Annual fees

0.75 points per dollar on Visa, up to $10,000 per month

19.99% p.a.

No current offer

$195


Hide

Frequent flyer credit cards Frequent flyer credit cards

Product Points per dollar Purchase rate Balance transfer rate Annual fees

0.75 points per dollar on Visa, up to $10,000 per month

19.99% p.a.

No current offer

$195


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**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.

Frequently Asked Questions about Regional Australia Bank credit cards

What is the interest free period on my credit card?

Your Regional Australia Bank Credit Card comes with an interest free period of 55 days. That means you have up to 55 days to pay off your credit card balance before being charged interest, depending on when in your statement cycle you make your purchases. For example, if you buy a new T.V at the beginning of the cycle, you’ll have the full 55 days to pay it off. If you were to then buy a new laptop 25 days into your cycle, you would only have 30 days to pay that purchase off before it begins to attract interest.

What fees might I be charged?

Fees that you could be charged on your credit card include:

The annual fee

Foreign exchange fees

Cash advance fees

Late payment fees

Transaction verification fees

With the exception of the annual fee, you might be able to avoid paying all of the above if you use your credit card carefully.

What’s the minimum repayment amount I must make?

The minimum payment you have to make on your Regional Australia Bank credit card each month is the greater of either $20 or 2.5% of your total balance, unless your balance is below $20, in which case you’ll have to pay it all. 

But keep in mind that that’s just the minimum - you can choose to pay off more than that, and paying off your whole credit card bill each time is a great way to avoid fees, interest and penalties.

Can I use my Regional Australia Bank credit card for a balance transfer?

You can, but the Regional Australia Bank credit card doesn’t come with a 0% interest period like many other balance transfer cards do. So although you’ll be able to transfer existing credit card balances onto this card and pay the low interest rate, you won’t get the usual 6-12 months interest free that you might with another balance transfer.

If you’re after a breathing period to get your credit card balance under control without paying interest, check out these other great balance transfer credit cards.

Can I use my credit card while I’m travelling overseas?

Those with itchy feet to go along with their shopping habit will be glad to hear that the Regional Australia Bank credit card will work all around the world, wherever VISA is accepted.

Alternatively, you could pick yourself up a prepaid travel card, so you know exactly how much is left in your travel budget as you go.

Does payWave work with my Regional Australia Bank credit card?

PayWave is a VISA scheme, so yes, your credit card will work with it. You can make contactless payments for amounts up to $100 to make your shopping trips quick and easy. For more on payWave and how it works, check out our guide.

Tips for avoiding credit card fraud

Although credit cards are a convenient way to spend, and are more secure now than ever, you should still be aware of the risk of credit card fraud. Here are some quick tips for keeping your money and credit card safe and secure:

Monitor your credit card statements for unusual activity or transactions you don’t remember making. The quicker you can identify fraudulent activity on your credit card, the sooner Regional Australia Bank will be able to resolve the issue.

Try not to use public Wifi for online banking or shopping. Fraudsters can set up their own Wifi networks to lure users into giving up their details.

When paying with your credit card, don’t let it out of your sight. Shop assistants shouldn’t need to take your card into another room or even beneath their counter. All transactions should be done in clear view, so you know your details aren’t being written down for misuse later.

How are Regional Australia Bank credit cards rated?

Mozo users have rated its credit cards on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Regional Australia Bank credit cards

Overall 8.7

Price

Features

Customer service

Convenience

Trust

9 Reviews

Recent Regional Australia Bank credit card reviews Recent Regional Australia Bank credit card reviews

Regional Australia Bank

Regional Australia Bank credit card review

Overall rating   10 / 10

Friendly Bank

Friendly Bank

Full review

Friendly Bank

    Price   10 / 10

Less

Paul, New South Wales, reviewed over 1 year ago

Regional Australia Bank

Regional Australia Bank credit card review

Overall rating   10 / 10

Great customer service

Personal service and knowing the employees.

Full review

Personal service and knowing the employees.

    Price   7 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Sue, New South Wales, reviewed over 3 years ago

Regional Australia Bank

Regional Australia Bank credit card review

Overall rating   10 / 10

Great customer service and great variety

I like Combank as it has great customer services. There are a lot of different and interesting products and services they provide. We have been with Combank for over 20 years.

Full review

I like Combank as it has great customer services. There are a lot of different and interesting products and services they provide. We have been with Combank for over 20 years.

    Price   4 / 10

    Features   10 / 10

    Customer service   8 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Lucy, New South Wales, reviewed over 3 years ago

Regional Australia Bank

Regional Australia Bank credit card review

Overall rating   5 / 10

Ok

Ok

    Price   4 / 10

    Features   5 / 10

    Customer service   5 / 10

    Convenience   5 / 10

    Trust   5 / 10

Less

Sharlene, , reviewed almost 4 years ago

Regional Australia Bank

Regional Australia Bank credit card review

Overall rating   8 / 10

Good

Good

    Price   9 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   8 / 10

Less

Sandy, New South Wales, reviewed almost 4 years ago

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What do you need to apply for a Regional Australia Bank credit card? What do you need to apply for a Regional Australia Bank credit card?

You can easily apply for a credit card online, in a branch or over the phone. When you apply, you should have your personal details handy, plus details of your financial situation, including income, employment, assets and debts.

    For more on applying for a credit card, check out our dedicated guide.

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