Things to note

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 is general advice only and may not be right for you. 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, and consider if appropriate for you 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.

Insurance products (excluding Travel Insurance) are issued by RACQ Insurance Limited ABN 50 009 704 152 (RACQ). Conditions, limits and exclusions apply. This is general advice only and may not be right for you. This information does not take your personal objectives, circumstances or needs into account. Read the PDS and any applicable Supplementary PDS before making a purchase decision on this product. You can also access our Target Market Determinations on this website.

RACQ Operations Pty Ltd (ABN 80 009 663 414 AR 000234978) and Members Travel Group Pty Ltd (ABN 45 144 538 803 AR 000432492) are acting as an Authorised Representative of the issuer of the insurance, Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL 246 548). Any advice set out above is general in nature only, and does not take into account your objectives, financial situation or needs. Before purchasing any travel products, please consider the RACQ Travel Insurance Product Disclosure Statement (PDS) and the Target Market Determinations (TMDs) that apply to these products. Whilst the PDS outlines the Terms and Conditions of these products, the TMDs outline the intended class of customers that comprise the target market for these travel products. This will allow you to consider which products best suit your objectives, financial situation and needs and consider the products appropriateness to your personal circumstances. TMDs also outline matters involving the distribution and the review of these products. The PDS, Supplementary PDS and TMDs for each travel product can be found here.

Clicking links to access discounts and benefits may take you to a third-party site, which will be subject to the terms of use and conditions of the third party separate to RACQ. By providing information via that third-party site, you will be providing information directly to that third party. We recommend that you read the privacy statement of the third-party site if you are clicking through or redirected.

^Based on RACQ data as at 22 July 2024, over 350,000 Queenslanders held Household Insurance policies with either Home cover, Contents cover, or Home and Contents cover.

+Based on RACQ data during the assessment period 1 January to 31 December 2023, 99.22% of comprehensive car insurance claims closed (excluding withdrawn and duplicate claims) were not partially or fully rejected.

^#Conditions apply. Offer available at participating Caltex and Puma Energy service stations. Visit racq.com/caltex for details.  

RACQ Member Benefits Cashback is operated by Think Wink Pty Ltd ABN 59 640 766 310. Please refer to the RACQ Member Benefits Cashback Terms and Conditions, the Think Wink Privacy Policy (the program provider), the Mr Yum Privacy Policy (the marketing provider) and the TCN Group Party Ltd privacy policy (the gift card provider).

*Competition terms and conditions apply. Visit racq.com/woolworths for the conditions, limits and exclusions for each offer and competition terms and conditions. Competition closes on 30 November 2024.

~Competition terms and conditions apply. View the full competition terms and conditions here. Entries close 31 October 2024.

**For a limited time, Establishment Fees and Mortgage Top Up Fees (as defined in the Loan fees schedule) payable on eligible Owner Occupied and Residential Investment lending products will be waived, subject to the following terms and conditions:

1. The applicant/s must apply for a new home loan with RACQ Bank between 1 August 2024 and 31 October 2024. The home loan must have conditional approval by 5:00pm 31 October 2024 and funded no later than 29 January 2025.
2. This offer is available on all current Home Loan and Home Loan Overdrafts (Owner Occupied and Residential Investment) products that have an Establishment Fee or Mortgage Top Up Fee. This offer does not apply to Fair Dinkum Home Loan products as these products are not subject to Establishment or Mortgage Top Up Fees.
3. Tax consequences may arise from this promotion for investors and members should seek independent advice on any taxation matters.
4. Fee waiver applies to Establishment Fees and Mortgage Top Up Fees only. Other fees, including Valuation Fees, will be payable where applicable. Refer to the Loan fees schedule available on the RACQ website for full details.

Terms, conditions, fees, charges, and normal lending criteria apply. Refer to racq.com/home/home-loans for additional information.