Thumbnail icon for Regional Australia Bank

Regional Australia Bank Your Choice Credit Card

Purchase rate
14.69% p.a.
Balance transfer rate
No current offer
Annual fees
$40
Interest free days on purchases
55

Mozo editorial review Regional Australia Bank Your Choice Credit Card

Last updated: 9 May 2019.

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What's hot
  • 14.69% purchase rate
  • No late payment fee
  • Discounts for Regional Australia Bank Home Loan holders
  • 2019 Mozo Experts Choice Award
What's not
  • No rewards program
Mozo snapshot

Regional Australia Bank’s Your Choice Credit Card is a “no frills” a competitive interest rate card with minimal fees and access to discounts for Regional Australia Bank Home Loan borrowers. They also offer a 55 day interest free period on purchases and have Visa worldwide acceptance, making it a versatile and competitive card that you can use in Australia and abroad. Speaking of abroad, the Your Choice Credit Card was named a winner in the 2019 Mozo Experts Choice Travel Money Awards for best Low Rate Travel Credit Card. 

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Key features

The Your Choice Credit Card could help you save in interest costs and give you access to more discounts if you’re already paying back a home loan with Regional Australia Bank.

Don’t worry though, if you’re not already a customer with Regional Australia Bank there are still more benefits to this card which could set it above the rest. While there is no rewards program on the Your Choice Credit Card and it has a small $40 annual fee, it has no late payment fees meaning you could be saving on additional costs that are required on other credit cards.

Also, the Your Choice Credit Card has Visa worldwide acceptance and a low 2.00% foreign exchange fee which may make it a good option as a travel credit card. With the Tap & Go function you have the ability to use the card whenever you like and wherever you are around the world.

For customers without an attached home loan, Regional Australia Bank offer a low rate of 14.69% on purchases and cash advancements. But for those who already have a home loan with them, they can receive a 3.00% discount on the Your Choice Credit Card. Hold on, that’s not all, if you have a Partnership Advantage Home Loan, you can get a 5.00% discount on this credit card and also have the annual $40 cardholding fee refunded by Regional Australia Bank. 

So, if you’re already an existing customer it may be worth considering the Your Choice Credit Card so you can save.

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Who is it good for

The Regional Australia Bank Your Choice Credit Card may be good for someone seeking a simple low rate credit card, that has great benefits at home and can be used for overseas travel. It’s also ideal for any existing Regional Australia Bank Home Loan customers as they can see savings up to 5.00% on this credit card option.

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Any catches

There is a $40 annual fee on this credit card and no reward system on everyday purchases which may not be what you are looking for. If you would like a card that can give you points on your spending the Regional Australia Bank Visa Platinum Rewards Credit Card may be better suited to you.

Details

Rates and fees information correct as at 7 July 2020 Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 14.69% p.a.

  • none

  • No current offer

  • none

  • 14.69% p.a.

  • 55

Fees
  • $40.00

  • none

  • none

  • none

  • $0.00

  • $0

  • 2.00%

  • $12.50

  • $0.00

  • $0.00

Features
  • $20.00

  • 2.5

  • yes

  • none

Other benefits

Annual Fee refunded and discounted purchase rate for customers with Partnership Advantage Home Loan

Customer Reviews

How are Regional Australia Bank credit cards rated by the Mozo community?

Overall customer rating
8.6/10
Price
7.4/10
Features
6.7/10
Customer service
8.0/10
Convenience
8.4/10
Trust
8.5/10

Latest reviews of Regional Australia Bank Your Choice Credit Card

  • Overall 10/10
    Excellent customer service and competitive rates

    The Credit Card interest rate is the cheapest that I have seen. You get an extra reduction if you have a mortgage with this Credit Union. The staff are easy to contact and always helpful. They are also big supporters of the community.

    Read full review

    The Credit Card interest rate is the cheapest that I have seen. You get an extra reduction if you have a mortgage with this Credit Union. The staff are easy to contact and always helpful. They are also big supporters of the community.

    Price
    10/10
    Features
    2/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Jan, New South Wales reviewed over 5 years ago
  • Overall 7/10
    Great customer service & always willing to help me

    The thing a most dislike are fees that seem to be on everything you do.

    Read full review

    The thing a most dislike are fees that seem to be on everything you do.

    Price
    7/10
    Features
    7/10
    Customer service
    7/10
    Convenience
    7/10
    Trust
    7/10
    Less
    Mozo community reviewer, New South Wales reviewed almost 7 years ago
  • Overall 8/10
    Overall good service and rates but no rewards

    New England Community Mutual is an organisation that tries to keep their fees low. There website is easy to use. Their interest rates are comparable and sometimes lower than other banks. They however do not have the rewards program such as flybuys that the other banks have. I would not however change just be of this. Overall I am a happy customer.

    Read full review

    New England Community Mutual is an organisation that tries to keep their fees low. There website is easy to use. Their interest rates are comparable and sometimes lower than other banks. They however do not have the rewards program such as flybuys that the other banks have. I would not however change just be of this. Overall I am a happy customer.

    Price
    8/10
    Features
    2/10
    Customer service
    5/10
    Convenience
    7/10
    Trust
    8/10
    Less
    Mozo community reviewer, New South Wales reviewed almost 7 years ago

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