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Top Recommendation

Earn reward points that never expire with our Platinum Rewards Credit Card.

Also Consider

no rewards option as ineligible based on income

How do you expect to pay each month?
Minimum repayments only

repayments only

Depends on the month

Depends on
the month

Full balance each month

Full balance
each month

What is your annual income?

Income per year


$25K $150K+
Please note that a minimum income of $25,000 is required to be eligible for one of our credit cards.
What feature best suits your needs?
Low rates & fees

Low rates & fees



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RACQ Bank Platinum
Rewards Mastercard

What you get:

  • Earn 1 Reward point for every dollar spent on Eligible Transactions*
  • 20.24% p.a. Standard Retail Rate
  • Complimentary travel insurance^^^
  • Complimentary purchase cover insurance^^^
  • 24/7 Fraudshield Security

If you are an existing customer you can contact us on 1300 912 667

Also Consider:

Enjoy our simple, handy Low Rate Credit Card


RACQ Bank Low Rate
Credit Card

What you get:

  • 12.99% p.a. Standard Retail Rate
  • Complimentary purchase cover insurance^^^
  • 24/7 Fraudshield security

If you are an existing customer you can contact us on 1300 912 667

Important Information

  • * The reward point earn rate is 1 reward point for every $1 spent on Eligible Transactions. On RACQ spend (i.e. where RACQ is the sales merchant and transactions are made directly, as opposed to third party sites) you will earn 3 reward points for every $1 spent, for a period of 12 months from card approval. Certain transactions do not earn Reward points. Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and travellers cheques, transactions made in operating a business, bank fees and charges such as interest and ATM charges, transactions made using Points and government related transactions. Government related transactions include transactions with government or semi-government entities, or relating to services provided by or in connection with government (for example but not limited to transactions made at Australia Post, payments to the Australian Taxation Office, council rates, motor registries, tolls, parking stations and meters, fares on public transport, fines and court related costs). Please refer to the full definition of Eligible Transactions recorded in the definitions section which provides further information on government related transactions in addition to how an Eligible Transaction will be determined. For full rewards terms and conditions please refer to the Terms and Conditions of the Card Services Rewards Program. Reward points never expire while the card remains open and in good standing. Please note that if you have a balance transfer, you will be charged interest on any spend that you make.
  • ^^^ Terms, conditions and exclusions apply. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued an insurance group policy to Citigroup Pty Limited ABN 88 004 325 080 AFSL and Australian credit licence 238098 (Citi) which allows eligible Citi account holders and cardholders to claim under it as third party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the Description of Insurance Cover Terms and Conditions which may be amended from time to time are available at Citi does not guarantee this insurance.