Bank of us Visa Credit Card – Rates & Fees

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

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 variable 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 variable 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?

    • 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 October 24th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
NAB Low Fee Platinum Card - Exclusive Offer
19.74% p.a.
0% p.a. for 25 months
$90 p.a.
finder Exclusive: Take advantage of 0% p.a. interest for 25 months on balance transfers with no balance transfer fee.
Qantas Premier Everyday
19.99% p.a.
4.9% p.a. for 24 months
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
Take advantage of up to 40,000 bonus Qantas Points, a $0 first year annual fee plus complimentary overseas travel insurance.
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.
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.
Citi Clear Platinum Credit Card
12.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers a 0% p.a. for 14 months balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks.
NAB Qantas Rewards Signature Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$295 p.a. annual fee for the first year ($395 p.a. thereafter)
Collect 90,000 bonus Qantas Points when you spend $4,000 within 60 days of account opening. Plus, a $295 annual fee in the first year.
St.George Vertigo Platinum
12.74% p.a.
0% p.a. for 26 months with 2% balance transfer fee
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers a long-term balance transfer, $0 first year annual fee, complimentary travel insurance and access to a 24/7 personal concierge service.

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.

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