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Find the right credit card

At RACQ Bank we know one size doesn’t fit all. That’s why we’ve got two great credit card options to help give you what you really need. If you’re after low fees and competitive interest rates, our Low Rate Credit Card will help you save. If on the other hand you’d like to be rewarded for your spending, check out the Platinum Rewards Credit Card. With generous interest free periods across both cards you can enjoy all the benefits you’ve come to expect from RACQ.

Compare credit cards

With an RACQ Bank credit card, great rates, low fees and spending rewards are just the beginning. Compare our credit cards now and find the right one to suit your lifestyle.

  Low Rate Credit Card Platinum Rewards Credit Card
 Standard Retail Interest rate  Low Rate Credit Card 12.99% p.a Platinum Rewards Credit Card 20.24% p.a
 Cash Advance rate Low Rate Credit Card 21.74% p.a Platinum Rewards Credit Card 21.74% p.a
 Annual fee  Low Rate Credit Card $49 p.a ^^ Platinum Rewards Credit Card $129 p.a **
 Interest-free period *** Low Rate Credit Card Up to 55 days Platinum Rewards Credit Card Up to 55 days 
 Balance transfers ^ Low Rate Credit Card 0% p.a for 12 months (reverts to cash advance rate)  Platinum Rewards Credit Card 0% p.a for 14 months (reverts to cash advance rate)
 Additional cardholders Low Rate Credit Card Yes, up to 4 additional cards free (must be aged 16 years or older) Platinum Rewards Credit Card Yes, up to 4 additional cards free (must be aged 16 years or older)
 Rewards program * Low Rate Credit Card
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Platinum Rewards Credit Card
  • 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

 Reward points capped  N/A  Uncapped
 Redemption items e.g. vouchers, gift certificates Low Rate Credit Card
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Platinum Rewards Credit Card
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 Complimentary Purchase Cover Insurance ^^^ Low Rate Credit CardYes, up to $50,000 per 12 month period Platinum Rewards Credit CardYes, up to $200,000 per 12 month period
 Complimentary International Travel Insurance ^^^ Low Rate Credit Card
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Platinum Rewards Credit Card
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 Complimentary Interstate Flight Inconvenience Insurance ^^^ Low Rate Credit Card
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Platinum Rewards Credit Card
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 Guaranteed Price Scheme Low Rate Credit Card
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Platinum Rewards Credit Card
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 Fraudshield Security Low Rate Credit Card
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Platinum Rewards Credit Card
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 24/7 Concierge Service Low Rate Credit Card
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Platinum Rewards Credit Card
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 Minimum credit limit  $2,000  $6,000
 Minimum income requirement  $25,000 pa  $35,000 pa
 RACQ membership  Low Rate Credit Card
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 Platinum Rewards Credit Card
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Apply for your credit card

You can apply for your new credit card online, anytime.

Just complete our form and we’ll get back in touch if we need any extra information.

Need some help?

If you need any help on comparing credit cards our banking specialists are always here to help. You can give us a call, anytime.