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Find the right credit card for you

With an RACQ Bank credit card, great rates, low fees and spending rewards are just the beginning.

  Low Rate Credit Card Platinum Rewards Credit Card
Standard Retail Interest rate   12.99% p.a  20.24% p.a
Cash Advance rate  21.74% p.a  21.74% p.a
Annual fee   $49 p.a ^^  $129 p.a **
Interest-free period ***  Up to 55   Up to 55 
Balance transfers ^  0% p.a for 12 months (reverts to cash advance rate)   0% p.a for 14 months (reverts to cash advance rate)
Additional cardholders  Yes, up to 4 additional cards free (must be aged 16 years or older)  Yes, up to 4 additional cards free (must be aged 16 years or older)
Rewards program *
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  • 30,000 bonus Points (if you spend $3,000 in the first 90 days)
  • Earn 1 Point for each $1 spent on Eligible Transactions 
  • Earn triple Points on RACQ Transactions for the first 12 months

Redemption items e.g. vouchers, gift certificates
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Complimentary Purchase Cover Insurance ^^^ Yes, up to $50,000 per 12 month period Yes, up to $200,000 per 12 month period
Complimentary International Travel Insurance ^^^
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Complimentary Interstate Flight Inconvenience Insurance ^^^
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Guaranteed Price Scheme
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RACQ membership
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Fraudshield Security
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24/7 Concierge Service
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Get started online Apply for your Low Rate Credit Card Apply for your Platinum Rewards Credit Card