Support for our members
If you're experiencing financial hardship, or other challenging circumstances, let us help.
Find the best Home Loan for you
The calculator below helps you determine the interest rate and loan repayment based on your loan amount and product selection. Please speak to an accredited Regional Australia Bank lender to ensure the product you select aligns with your financial goals. The calculator is intended as a guide to help you better understand your options.
While the design may have changed, rest assured that everything you love about banking with us remains the same—secure, reliable, and easy to use. Enjoy our fresh look and improved features.
Your Choice Credit Card
Versatile and competitive no frills credit card with competitive rates, low annual fee and great discounts for home loan borrowers.
Purchase Rate- with a Regional Australia Bank home loan
11.69% p.a
1
Purchase Rate- without an attached home loan
14.69% p.a
1
Our competitive, no-frills credit card
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.
Enjoy the balance of low rates and low fees
Features & Benefits
Interest rates
Target Market Determination| 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 Rate1 |
Fees
| Annual fee | $40, Waived for Partnership Advantage Home Loan holders |
| Additional cardholder fee | Free |
| Cash advance fee | Free |
| ATM withdrawals or enquiries | Free 2 |
| 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 |
Find out more or get started on your Credit Card application
Let us know how we can help by leaving your details, and as much information as possible, using the form below. We'll get back to you at a convenient time so you can get going sooner.
Ready to get started or have a question?
Send us your enquiry and we'll get back to you or start your application online now.
Lost or stolen card
If your card has gone missing, or it’s been stolen, you should immediately block it and request a replacement.
Unauthorised access to my account
If you suspect unauthorised access to your account, immediately change your password and contact our customer service team. We will help secure your account and investigate any suspicious activity.
Account Management and Support
For help with managing your account, including online access, and other features, contact our support team.
Disclaimers
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.