Bank of us Visa Credit Card – Rates & Fees

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.
Card TypeVisa
Complimentary Travel InsuranceNo
Minimum Age18 years of age
Available To Temporary ResidentsNo
Credit Rating RequirementGood
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.

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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?

    • Staff
      JonathanJuly 23, 2015Staff

      Hi Peter, thanks for your inquiry!

      The overseas ATM withdrawal fee is $5.



Credit Cards Comparison

Rates last updated February 20th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
NAB Premium Card - Exclusive Offer
19.74% p.a.
0% p.a. for 25 months
$90 p.a.
Exclusive to, enjoy a no BT fee, 0% balance transfer offer for 25 months and seven complimentary insurance covers.
St.George Vertigo Platinum - Online Offer
12.74% p.a.
0% p.a. for 24 months
$99 p.a.
Platinum card benefits including complimentary insurance, plus 0% p.a. for 24 months on balance transfers (with no BT fee). Ends 28 February 2018.
Westpac Low Rate - Online Offer
13.49% p.a.
0% p.a. for 30 months with 2% balance transfer fee
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
Take advantage of 0% p.a. for 30 months on balance transfers with a 2% balance transfer fee when you apply online by 28 February 2018.
Woolworths Everyday Platinum Credit Card
19.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
Receive a $50 eGift Card when you meet the offer criteria, a 0% p.a. for 14 month balance transfer offer and a $0 first year annual fee.

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* The credit card offers compared on this page are chosen from a range of credit cards 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.

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