Credit cards FAQs

To activate an RACQ Bank credit card, log in to card services at www.cardservicesdirect.com.au or phone 1300 912 667.

Once activated, your card will be ready to use immediately.

 

Do you need to activate a Visa Debit or rediCARD?

 
  • If your RACQ Bank credit card, ATM PIN or TPIN is lost or stolen you should immediately contact Card Services on 1300 912 667 or if you are overseas +612 8288 2818 (ask an international operator to reverse the charges).
  • We can cancel and replace your card within 48 hours.
  • You can also report your lost or stolen card to any financial institution displaying the Mastercard symbol.

To activate your new card, you need to:

  1. Register for Card Services online at cardservicesdirect.com.au/register
  2. Log into Card Services Online and go to Services>My profile>Card Activation to activate.

Emergency card replacement

If your card is lost or stolen, in most cases we can cancel and replace your card within 48 hours in almost any location, free of charge. If you are overseas you can report the loss to any bank or financial institution displaying a Mastercard sign.

If you have noticed transactions on your Visa Debit or rediCARD statement that:

  • You don’t recognise;
  • Don’t match the payment amount;
  • Are recurring debits that were previously cancelled;
  • Are duplicated; or
  • Are for goods that have not arrived;

Call us immediately on 13 1905 or visit your nearest RACQ Bank branch Where we are able to, we will commence an investigation into your dispute and send you a letter to inform you of the outcome.

If the account has been closed, you may nominate a different account to be credited should your disputed transaction be paid.

To report an ATM shortpay, you may fill out our ATM cash discrepancy form or drop into an RACQ Bank branch, bringing as much information as you can about the dispute. We will begin an investigation and let you know as soon as we can of the outcome.

For credit card disputes, visit www.cardservicesdirect.com.au, or phone 1300 912 667.

 

RACQ Bank credit cards are provided by Citigroup; and Card Services is a division of Citigroup which manages RACQ Bank credit cards. 

Should you require assistance with your credit card regarding:
  • Activation
  • Reporting your card as lost or stolen
  • Transaction disputes, or
  • Discussing rewards.

Visit https://www.cardservicesdirect.com.au/or phone 1300 912 667.

For a full run-down of fees and charges for using your credit card overseas, view the Credit Card Rate and Fee Guide.
 

Contact us immediately – we're here for you 24/7.

Phone +61 2 8225 0620 and your card will be cancelled and a replacement ordered.

Emergency card replacement:

If your card is lost or stolen, in most cases we can cancel and replace your card within 48 hours in almost any location, free of charge. If you are overseas you can report the loss to any bank or financial institution displaying a Mastercard sign.

In an emergency, you may apply for an international courier - fees apply.

Contact us

 Need help or like to know more?

Banking and loan products issued by Members Banking Group Limited ABN 83 087 651 054 AFSL/Australian credit licence 241195 trading as RACQ Bank. Terms, conditions, fees, charges and lending policies apply. This information does not take your personal objectives, circumstances or needs into account. Read the disclosure documents for your selected product or service, including the Financial Services Guide and the Terms and Conditions, before deciding.

Except for RACQ Bank, any RACQ entity referred to on this page is not an authorised deposit-taking institution for the purposes of the Banking Act 1959 (Cth). That entity’s obligations do not represent deposits or other liabilities of RACQ Bank. RACQ Bank does not guarantee or otherwise provide assurance in respect of the obligations of that entity, unless noted otherwise.

Mortgage Saver is only available for new lending to RACQ Bank. Customers with an existing home loan can switch to Mortgage Saver with a minimum $20,000 in additional new lending.

RACQ Bank provides customers with credit assistance in relation to the RACQ Bank Credit Card and also gives assistance to customers in relation to credit limit increases for the Card. RACQ Bank assists customers as part of our arrangements with the card issuer, Citigroup Pty Limited.

Fees and charges apply. Terms and conditions apply and are available at https://www.cardservicesdirect.com.au/cardservices/useful_forms.htm. Citigroup’s credit criteria apply. Current Card Services Credit Card holders are not eligible to apply for introductory offers. Offers are available to customers who submit their application by 31 January 2019 and may be extended.

The 0% p.a. promotional interest rate applies to balances transferred with this offer at the point of application, for a period of 14 months for the RACQ Platinum Rewards Credit Card and 12 months for the RACQ Low Rate Credit Card once the balance transfer is processed. At the end of the promotional period, any outstanding transferred balances will revert to the variable Annual Percentage Rate for cash advances, currently 21.74% p.a. Your total balance transfers with this offer may not exceed 80% of your credit limit.

Card Services is a division of Citigroup Pty Limited ABN 88 004 325 080, AFSL No. 238098, Australian credit licence 238098 (Citi). Citi is the credit provider and issuer of RACQ Bank Credit Cards (Credit Cards). Members Banking Group Limited ABN 83 087 651 054 trading as RACQ Bank (RACQ Bank) promotes the Credit Cards, and assists cardholders, as Citi’s agent, under an agreement with Citigroup. RACQ Bank does not and will not guarantee or otherwise support Citi’s obligations under the contracts or agreements connected with the Credit Cards.

Banking and loan products issued by Members Banking Group Limited ABN 83 087 651 054 AFSL/Australian credit licence 241195 trading as RACQ Bank. Fees, charges, terms and conditions apply. Contact us for a copy. This is general advice only and may not be right for you.

You can only create a PayID within mobile or internet banking by linking it to an eligible account. Not available on some accounts.

Biometric identification features are compatible with selected devices only, noting that some devices may not be able to use particular Biometric identification methods. For Android, selected biometric features should be available on devices with android v 4.4 or greater, provided that feature is available in device. For iOS device, any device that is running with IOS version 9,10 or 11(or greater), provided that feature is available in device.

The Apple logo and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries. Google Pay, and the Google Pay Logo are trademarks of Google Inc. Samsung Pay is a trademark or registered trademark of Samsung Electronics Co., Ltd.