Visa Platinum Rewards Credit Card

Earn up to 0.75 Qantas Points for every $1 you spend on eligible purchases - up to 7,500 points in each statement period.

Enjoy the rewards of bringing your banking together today.

We're ready when you are. Call us or start your application now.

Features & Benefits

Earn Qantas Points1
Complimentary Travel Insurance2
Free additional cardholders
Visa Platinum Concierge Service4

With our Visa Platinum Rewards Card, you can keep life simple by keeping your credit card with your other Regional Australia Bank accounts, all under one roof!

Our Visa Platinum Rewards Credit Card is a premium credit card, offering you great rewards on your eligible everyday spend along with saving you time and hassle. That's because you'll enjoy;

  • Better visibility: See all your banking, including your credit card, together on one statement or on online banking, and you'll only need to remember one login.
  • Instant transfers: Move money between your Regional Australia Bank accounts and credit card with no delay, so you won't have to worry about when your payment will go through.
  • Peace of mind: Set an automated transfer from your Regional Australia Bank savings account to pay the outstanding balance on your credit card, so you can avoid interest charges.

Pile up with Qantas Points with;

  • Complimentary Qantas Frequent Flyer membership5.
  • 0.75 Qantas Points1 for every $1 you spend on eligible purchases – up to $10,000 and 7,500 points in each statement period.
  • Earn 1 additional Qantas Point for every $1 spent on Qantas products and services.

Enjoy a low annual fee and other great benefits

With the Visa Platinum Rewards Credit Card, you’ll have an annual fee of just $195, which is waived if you have a Partnership Advantage Home Loan3. Plus you’ll enjoy:

  • Up to 45 days interest free on purchases.
  • No fees for late payments or additional cardholders.
  • Access to Visa's 24/7, worldwide Platinum Concierge service4.
  • Complimentary Travel Insurance2 when you use your card to book a trip.

Have a question or want to get started?

Apply online now

Its easy to apply online with Regional Australia Bank's 'Apply Now'. Get your application completed any time of day.

Get Answers

Have a question? Simply send us your enquiry and we'll get back to you.

Call us

We're available on 132 067 if you would like to apply over the phone or have a question.

Product Details

Max. Interest Free Days
45 days
Reward Points

0.75 Qantas Points per $1 spent on eligible purchases
Up to $10,000 per statement period

1 bonus point per $1 spent through and the Qantas Store
Minimum Credit Limit
Contactless Tap & Go
Additional Features
Access to Visa Platinum Concierge4
Complimentary Travel Insurance2
Annual Fee
Waived for Partnership Advantage Home Loan holders3
Additional Cardholder Fee
Cash Advance Fee
ATM Withdrawals or Enquiries
Visa Transactions
Direct Debits and Credits
Over the Counter Withdrawal
6 Free withdrawals per month
Additional withdrawals $2.00
(Exempt when membership balance is over $5,000)
Staff Assisted External Transfer
Over Limit Fee
Direct Debit Dishonour
Bank Cheque Fee
Cheque Deposit
10 free cheques included per month
Additional cheques $0.50
Late Payment Fee
Purchase Rate
Cash Advance Rate


1 Qantas Points and Qantas Bonus Points accrue in accordance with and are subject to the Visa Conditions of Use. You must be a Qantas Frequent Flyer member to earn points. A joining fee may apply. Membership and points are subject to the Qantas Frequent Flyer program terms and conditions.

2 Regional Australia Bank has entered into a group policy for overseas travel insurance with ACE Insurance Limited, A Chubb company (ABN 23 001 642 020 AFSL 239687) The eligibility criteria is set out in the Platinum Rewards Credit Card - Travel Insurance Terms and Conditions, along with all information about cover, including full terms and conditions and limits and exclusions that apply.

3 Card Annual Fee is waived where there is an active Partnership Advantage Home Loan on the same member number at the time the fee is scheduled to be charged.

4 Terms & Conditions apply See Visa Conditions of Use for details.

5 This joining fee waiver is offered by Regional Australia Bank. It is available to new applicants who are not already Qantas Frequent Flyer members and who apply for membership online through This offer is non-transferable and not available in conjunction with any other offer. Qantas Frequent Flyer membership and each application is subject to approval by Qantas.

6 Interest rates are on a per annum basis and are current as at 10/09/16 and are subject to change.

7 No withdrawal fees at Regional Australia Bank ATMs and ATMs that are a part of the Westpac Network within Australia. Transactions at other financial institutions’ ATMs may incur a fee.

Not available for businesses, associations or trusts.
Terms, conditions, fees, charges and normal lending criteria apply. See Fees & Charges for full details.
Please refer to the Conditions of Use when considering if this product is right for you.
Community Mutual Ltd is the issuer of the product.