Your Choice Visa Credit Card

General Lending Rates

Product Variations

Product Features

• Interest Free Additional Information: Up to 55 days interest free on purchases

• Other Additional Information: 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.

• Other Additional Information: Ability to make extra payments or repay the balance in full at any time.

• Npp Payid Additional Information: Speed isn’t the only major advance of the NPP and Osko. Rather than needing hard-to-remember BSBs and account numbers, Osko users can make transactions using a ‘PayID’. This can be their mobile number, personal email or ABN.

• Digital Banking Additional Information: Bank 24/7 wherever you are and whenever you want with RAB mobile and internet banking.

• Digital Wallet Additional Information: Apple Pay can be attached to the product on request.

• Additional Cards Additional Information: The option for additional cardholders at no extra cost.

• Digital Wallet Additional Information: Samsung Pay can be attached to the product on request.

• Digital Wallet Additional Information: Google Pay can be attached to the product on request.

Product Eligibility

• Other Additional Information: As a customer-owned bank, customers must also become a shareholder of Regional Australia Bank to be eligible to open an account.

• Other Additional Information: Product is available to approved borrowers only. Terms, conditions, fees, charges and normal lending criteria apply.

• Employment Status - Ongoing Employment. Additional Information: Borrowers must demonstrate at least 6 months continuing employment history at the time of application.

• Residency Status - Australian Resident. Additional Information: Individuals must be citizens or permanent residents of Australia.

• Min Age - 18.

Bank Fees and Charges

• International Transaction Fee (Transaction), Amount: Not Listed.. Additional Information: 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 where a currency conversion occurs.

• Over Limit Fee (Event), Amount: 3.50. Additional Information: 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.

• Direct Debit Dishonour Fee (Event), Amount: 5.00. Additional Information: Applies where a direct debit request is rejected by us due to insufficient funds in your account.

• Over The Counter Withdraw (Transaction), Amount: 0.00. Additional Information: Applies per counter withdrawal or debit transfer once the monthly limit of 6 included withdrawals is exceeded.

• Cheque Deposit Fee (Deposit), Amount: 0.50. Additional Information: Your first 10 cheque deposits to your membership each month are free, each subsequent deposit will be charged per cheque.

• Late Payment Fee (Event), Amount: 0.00. Additional Information: Applies when you make a late payment.

• Bank Cheque Fee (Event), Amount: 11.00. Additional Information: Applies for each bank cheque you order from us.

• Direct Debits And Credits (Event), Amount: 0.00. Additional Information: Applies when you make a transaction through a direct debit or credit.

• Additional Card Holder Fee (Periodic), Amount: 0.00. Additional Information: Applies when you add an additional cardholder to the account.

• Cash Advance Fee (Transaction), Amount: 0.00. Additional Information: Applies when you make a Cash Advance.

• Staff-assisted External Transfer Fee (Event), Amount: 0.00. Additional Information: Applies when a staff provides assistance with an external transfer in branch.

• Annual Fee (Periodic), Amount: 40.00. Additional Information: 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.

 Limitations & Restrictions (Constraints)

• Min Limit of 500.00 Additional Information: A minimum loan amount of $500 applies to this product.

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