Regional Australia BankYour Choice Visa Credit Card
Versatile and competitive no frills credit card with low rates, low annual fee and great discounts for home loan borrowers.
At a glance
- Purchase rate
- 14.69%
- Cash advance
- 14.69%
- Interest-free days
- 55
- Annual fee
- $0
- Foreign transaction fee
- 3.00%
How it compares
This credit card in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This credit card | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Any credit cardOngoing purchase rate, not introductory offers | 14.69% | 7.49%Unity Bank's Low Rate Visa Credit Card | 12.49%of 51 institutions | 42nd lowest of 51 |
| No annual feeOngoing purchase rate | 14.69% | 10.99%American Express' Low Rate Credit Card from American Express® | 14.84%of 10 institutions | 5th lowest of 10 |
| Interest-free daysDays without interest on purchases when the balance is paid in full | 55 days | 62 daysBeyond Bank Australia's Low Rate Credit Card | 55 daysof 42 institutions | 2nd longest of 42, level with 30 others |
Rates
Every rate Regional Australia Bank publishes for this credit card, 3 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Cash advanceInterest is per annum (p.a.). The Cash Advance rate for this product is equal to the relevant purchase rate. Applicable discounts also apply. Interest is charged immediately on any cash advance. Inte… | - | - | - | 14.69% | - | - |
| DiscountInterest is per annum (p.a.). 3.00% discount applies to the standard purchase rate if a Your Choice Visa is held on the same membership as an active, funded Home Loan. For each purchase that a member… | - | - | - | 11.69% | - | 0.03 |
| PurchaseInterest is per annum (p.a.). For each purchase that a member makes they will receive an interest free period of up to 55 days. Each monthly statement will show a payment due date that is at least 24… | - | - | - | 14.69% | - | - |
Fees
12 fees published, grouped by when they're charged.
While you hold it2
- Additional Card Holder Fee
Applies when you add an additional cardholder to the account.
No fee - Annual Fee
Applies on 31st of March each calendar year after initial funding of your “Your Choice Visa” account. Fee does not apply to additional cardholders on the same Your Choice Visa account. Partnership Advantage Package
$40 a year
When you make a transaction4
- Cheque Deposit Fee
Your first 10 cheque deposits to your membership each month are free, each subsequent deposit will be charged per cheque.
$0.50 - Cash Advance Fee
Applies when you make a Cash Advance.
No fee - International Transaction Fee
This fee is charged by the card issuer for purchases in foreign currency, payments in Australian Dollars processed by a merchant or financial institution located outside Australia or for transactions…
3.00% of transaction - Over the Counter Withdraw
Applies per counter withdrawal or debit transfer once the monthly limit of 6 included withdrawals is exceeded.
No fee
If a payment is late or fails1
- Direct Debit Dishonour Fee
Applies where a direct debit request is rejected by us due to insufficient funds in your account.
$5
When particular things happen5
- Bank Cheque Fee
Applies for each bank cheque you order from us.
$11 - Direct Debits and Credits
Applies when you make a transaction through a direct debit or credit.
No fee - Late Payment Fee
Applies when you make a late payment.
No fee - Over Limit Fee
Applies for each day that a Direct Debit or Cheque transaction is debited to a member which results in a deposit or overdraft account being drawn beyond its available balance or limit.
$3.50 - Staff-Assisted External Transfer Fee
Applies when a staff provides assistance with an external transfer in branch.
No fee
Features
- Make deposits and withdrawals through a Bank@Post facility at Australia Post outlets. For full details refer to our Conditions of Use. Fees and charges may apply.
- Ability to make extra payments or repay the balance in full at any time.
Eligibility and limits
- Minimum age 18
- Residency: Australian Resident
- Employment: Ongoing Employment
- Amount from $500, no maximum
- As a customer-owned bank, customers must also become a shareholder of Regional Australia Bank to be eligible to open an account.
- Product is available to approved borrowers only. Terms, conditions, fees, charges and normal lending criteria apply.
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Published by Regional Australia Bank under the Consumer Data Right, last changed by them on 29 June 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.