$2,000 cashback for home buyers on loans over $500k**

Save like only members can with RACQ Member Benefits

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.

RACQ Bank subscribes to the Customer Owned Banking Code of Practice which establishes higher standards than the law requires. The Code reflects modern consumer expectations and developments in approaches to issues such as consumer vulnerability, guarantors, and supporting customers through financial hardship. Please read our Customer Owned Banking Code of Practice page for more information.

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 Product Disclosure Statement (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.

Specific terms and conditions, limits (including sub-limits) and exclusions apply to each of our policies and the different benefits. Please read the RACQ Travel Insurance - Combined Financial Services Guide and Product Disclosure Statement and SPDS (where applicable) for full details and read the Target Market Determinations (TMDs) before determining whether this product is suitable for your circumstances.

The information in this page is general advice only and does not take into account your objectives, financial situation or needs. So you should, before acting on the advice, consider the appropriateness of the advice, having regards to your objectives, financial situation and needs. You should obtain the RACQ Travel Insurance - Combined Financial Services Guide and Product Disclosure Statement and consider it before making a decision about whether to acquire RACQ Travel Insurance.

RACQ Travel Insurance is issued by Tokio Marine & Nichido Fire Insurance Co., Ltd (Tokio Marine & Nichido) ABN 80 000 438 291, AFSL 246548 and distributed by RACQ Operations Pty Ltd (ABN 80 009 663 414 AR 000234978) and Members Travel Group Pty Ltd (ABN 45 144 538 803 AR 000432492) as an Authorised Representative of Tokio Marine & Nichido.

Terms and conditions apply to all offers. View the individual offer for full details. Offer is subject to availability and may be withdrawn at any time without notice. 

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 5 August 2025, over 350,000 Queenslanders held Household Insurance policies with either Home cover, Contents cover, or Home and Contents cover.

^~The online discount will be applied and deducted on the total annual premium amount payable on your new policy. Excludes pay later option and any policy renewals. Discount amounts may be pro-rated for cover of less than 12 months.

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

+Limits (including sub-limits), conditions and exclusions apply. This insurance is issued by Tokio Marine & Nichido Fire Insurance Co., Ltd (Tokio Marine & Nichido) ABN 80 000 438 291, AFSL 246548. Please read the Product Disclosure Statement (PDS) and any applicable Supplementary PDS before making a decision about this product and read the Target Market Determinations (TMDs) before determining whether this product is suitable for your circumstances.

++Terms and conditions apply to all offers and booking fees may apply – visit travel.racq.com.au. View the individual offer for full details. Login with your My RACQ account details to view whether member prices available. Offer is subject to availability and may be withdrawn or changed at any time without notice. Members Travel Group Pty Ltd trading as RACQ Travel (ABN 45 144 538 803) A11470. 

*Offer available until 2pm on 29 August 2025 or once the ticket allocation is exhausted. T&Cs apply.

^^QLD 18+ only. Ends 30 September 2025 11:59pm AEST, T&Cs apply. Read the “Chance to win $10k cash” T&Cs for full details.

^~~Retail partners, offers and discounts may change at any time without notice. Visit racq.com/benefits for the conditions, limits and exclusions for each offer.

**RACQ BANK Spring Campaign Cashback Offer – Terms & Conditions

For a limited time, eligible individuals will receive $2,000 (two thousand dollars) cashback when financing a home purchase with RACQ Bank (Cashback Offer), subject to the following terms and conditions:

1. The applicant(s) must:
   1. personally apply for a home loan with RACQ Bank between 18 August and 31 December 2025; 
   2. receive conditional approval for the home loan by 5:00pm 31 December 2025; and 
   3. complete settlement of the home purchase (i.e., draw down on funding) no later than 31 March 2026. 
2. This offer is only valid for the financing of a personal home purchase with RACQ Bank (i.e., purchase of an Owner Occupied or Investment property by individuals (not partnerships, companies, trusts, or other legal entities)).
3. Refinances are excluded from the Cashback Offer. 
4. This offer is valid for Owner Occupied Home Loans and Investment Home Loans only. It is not available on Construction Loans, Bridging Loans, Business / Commercial Loans or where the finance is being conducted in the name of a non-personal entity.
5. A minimum loan application amount of $500,000 is required for the financing of a home purchase with RACQ Bank to receive the Cashback Offer.
6. The Cashback Offer is limited to:
1. One per application regardless of the number of applicants; and
2. One per applicant per 12-month period, regardless of the number of applications made by the applicant and regardless of whether any of those applications were made alone or with other people.
7. The cashback payment will be paid into an open RACQ Bank account within 30 days of settlement. For joint applications, the cashback payment will be made to an account in the name of the primary applicant (for the avoidance of doubt, this may include a joint account).
8. Tax consequences may arise from this promotion for investors and members should seek independent advice on any taxation matters.
9. Terms, conditions, fees, charges, and normal lending criteria apply. Refer to racq.com/home/home-loans for additional information.