All the features you need and more

As well as the great low interest rate, our Low Rate Credit Card gives you a range of other advantages too. All of which adds up to one little card with a whole lot of benefits.

  • Up to 55 days interest free on retail purchases (unless you have a balance transfer) ***
  • 24/7 Fraudshield security
  • Ability to order up to 4 additional cards free
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Standard Retail Rate 12.99 % p.a.
Cash Advance Rate 21.74 % p.a.

Why choose an RACQ Bank Low Rate Credit Card?

Our lowest rate

Our lowest rate You can feel confident making a purchase on your credit card, knowing you’re getting one of the lowest interest rates around.

Save more

With 0% p.a. for 12 months on balance transfers (reverts to cash advance rate. Note that no interest free days apply while there is a balance transfer) and the RACQ member benefits you love, you can save more and spend your money on what’s most important.^

Interest free days

You’ll get 55 days interest free on retail purchase so you’ll have that extra bit of time before you need to start making repayments.***

Complimentary insurance

Complimentary Purchase Cover Insurance.^^^