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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.

Canstar outstanding value platinum credit card logo

 

  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 days interest free on retail purchases (unless you have a balance transfer) *** Up to 55 days interest free on retail purchases (unless you have a balance transfer) ***
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

Reward points capped N/A Uncapped
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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Fraudshield Security
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24/7 Concierge Service
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Minimum credit limit $2,000 $6,000
Minimum income requirement $25,000 pa $35,000 pa
RACQ membership               
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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.