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.
Our thoughts are with our members and communities impacted by Cyclone Alfred. Stay safe, and please do not hesitate to reach out to us if you need assistance from our team. See More
Your Choice Credit Card
Versatile and competitive no frills credit card with competitive rates, and a low annual fee.
Purchase Rate
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.
Enjoy the balance of low rates and low fees
Features & Benefits
Interest rates
Target Market Determination| Purchase Rate | 14.69% p.a1 |
| Cash Advance Rate | As per your relevant Purchase Rate1 |
Fees
| Annual fee | $40 |
| 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.