Bank of us Visa Credit Card – Rates & Fees

Not yet rated

Get up to 57 days interest-free on purchases and pay a low ongoing rate

The Bank of us Visa Credit Card is a no-frills credit card that you can use at more than 24 million outlets the worldwide. This card offers as many as 57 interest-free days on purchases. You can link this card with up to 2 other Bank of us accounts and minimise the number of cards you carry. Bank of us offers a wide number of benefits with this card — find out more about them on the page below.

Product NameBank of us Visa Credit Card
Purchase rate (p.a.)9.99% p.a.
Annual fee$39 p.a.
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
Up to 57 days on purchases
Cash advance rate (p.a.)9.99% p.a.
Min credit limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
$500
Card TypeVisa
Complimentary Travel InsuranceNo
Minimum Age18 years of age
Available To Temporary ResidentsNo
Joint ApplicationNo
Annual fee$39 p.a.
Minimum Monthly Repayment3% or $10, whichever is greater
Late Payment Fee$20
Cash Advance Fee$5
Overseas ATM Withdrawal Fee$5
Gambling Transactions AllowedNo
Number of Additional Cardholders2

Bank of us Visa Credit Card review

If you’re looking for a basic credit card that charges a low ongoing rate, take a look at what the Bank of us Visa Credit Card has to offer. If you use this card in the right manner you can get up to 57 interest-free days on purchases. You can also access your funds and account-related information in various ways.

Benefits of the Bank of us Visa Credit Card

  • Low rate. This basic credit card doesn't offer premium features, and this is why it manages to charge a low ongoing rate of 9.99% p.a. on purchases. Its cash advance rate, currently 9.99% p.a. is also very competitive.
  • Annual fee wavier. If you spend more than $8,000 annually, Bank of us will waive the $39 annual fee.
  • Link multiple accounts. You have the ability to link 2 more Bank of us accounts to this credit card. Access your credit limit and your own funds with the convenience of just carrying just one card.

Bank of us Visa Credit Card features

  • Annual fee. This card attracts a nominal annual fee of $39 p.a.
  • Interest-free days. You can get up to 57 interest-free days on purchases if your pay your account’s closing balance in full by the due date mentioned on your statement. This applies to balance transfers, too.
  • Balance transfers. Bank of us treats balance transfers the same way as purchases, meaning you can manage your repayments easily with all the debt you have on your card.
  • Additional cards. You can nominate up to 2 individuals to receive additional cards. These individuals should be over 16 years of age and Bank of us clients. You remain liable for all transactions made using additional cards linked to your primary card.
  • Visa payWave. This card is payWave enabled, which allows you to make contactless payments up under $100 at merchants who support this technology.
  • Online card security. When you use your Bank of us Visa Card for online transactions, you receive protection through Verified by Visa, an online security program.

How to apply for the Bank of us Visa Credit Card

You can apply for the Bank of us Visa Credit Card online, or by visiting any Bank of us branch.

Eligibility criteria

  • You are over 18 years of age
  • You are not a US citizen or Politically Exposed Person

Required documentation

  • Your personal information and contact details
  • The contact details of a relative or friend who doesn't live with you
  • Your current employer’s contact details
  • Details about existing your existing financials like income, loans, credit cards, and overdrafts

Consider applying for this credit card if you’re not looking for much other than a low ongoing rate and a balance transfer offer, but given that other cards offer these features, comparing the Bank of us Visa Card with a few others is in your best interest.

Back to top
Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Privacy & Cookies Policy and Terms of Use, Disclaimer & Privacy Policy.

2 Responses

  1. Default Gravatar
    PeterJuly 23, 2015

    I have a B and E debit Visa card what are the overseas transaction fees if I withdraw cash from an ATM in Thailand?

    • finder Customer Care
      JonathanJuly 23, 2015Staff

      Hi Peter, thanks for your inquiry!

      The overseas ATM withdrawal fee is $5.

      Cheers,

      Jonathan

Credit Cards Comparison

Rates last updated August 17th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
Citi Clear Platinum - Exclusive Offer
14.99% p.a.
0% p.a. for 24 months with 1.5% balance transfer fee
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
finder Exclusive: Receive 0% p.a. for 24 months on balance transfers and a discounted annual fee in the first year. Plus, access to Citi World Privileges.
Westpac Low Rate Card
13.49% p.a.
0% p.a. for 24 months with 1% balance transfer fee
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
Offers a 0% for 24 month balance transfer option, first year annual fee waiver and a competitive purchase rate.
Westpac Altitude Platinum Card - Qantas
20.24% p.a.
$50 p.a. annual fee for the first year ($200 p.a. thereafter)
Earn 60,000 bonus Qantas Points when you spend $3,000 within 90 days of card approval. Plus, a $50 first year annual fee.
ANZ Low Rate
12.49% p.a.
0% p.a. for 15 months
$58 p.a.
Save with a 0% p.a. introductory rate on balance transfers for 15 months with no BT fee. Plus a low 12.49% p.a. interest rate on purchases.

Compare up to 4 providers

* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

Ask a question
Go to site