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Bank of us Credit Cards

Get a no-frills credit card from Bank of us and look forward to a low interest rate and easy access.

Bank of us (formerly known as B&E) dates back to 1870 with the formation of the Launceston Equitable Building and Investment Society. Then, in 1968, the Bass Building Society formed, and the two merged in 1988 to form the Bass and Equitable Building Society. In 2001, it changed its name to B&E. With branches spread across the state of Tasmania, Bank of us offers its customers a range of financial products and services, from savings and transaction accounts, to term deposits and credit cards.

Bank of us Credit Cards

Rates last updated July 20th, 2018
Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate (p.a.) Product Description
Bank of us Visa Credit Card
9.99% p.a.
Up to 57 days on purchases
$39 p.a.
Receive up to 57 interest-free days on purchases, the ability to use Visa payWave and up to 2 additional cardholders.

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Types of credit cards that Bank of us offers

As of now, Bank of us, through its association with Visa, offers a no-frills credit card that you can use for everyday transactions and more.

  • Low rate credit card

The Bank of us Visa Credit Card is one that offers a competitive interest rate. This rate means that extras like complimentary insurance and access to concierge services aren't offered with the card. What you do get is the ability to use the card worldwide, and you can also link this credit card with up to two other Bank of us accounts. You can take advantage of up 57 interest-free days on purchases.

Benefits of banking with Bank of us

Despite the fact that the Bank of us credit card does not offer too much in the form of extras, using it does come with its share of benefits.

  • One card for multiple accounts

When you bank with Bank of us and use their Visa credit card, you can link two other Bank of us accounts to your card. This enables you to access multiple accounts conveniently through a single card facility.

  • Easy access to account information

With a Bank of us credit card you can access account-related information in different ways. You can use telephone banking to speak with a Bank of us rep, or you can turn to online banking or their app for smartphones. Alternatively, you can always visit a branch.

  • Visa benefits

More than 24 million businesses across the world accept Visa payments, so you can use your Bank of us Visa credit card just about anywhere in the world. Credit cards that Bank of us issue after March 2015 will make use of payWave technology. This allows you to make contactless payments for purchases under $100.

  • Balance transfers

You have the ability to transfer balances from existing credit cards, and you can still get up to 57 interest-free days with this feature. Then, any outstanding transferred balance starts attracting the card’s purchase rate.

How to apply for a Bank of us credit card

If you wish to apply for a Bank of us credit card you can do so by visiting any Bank of us branch, or you can complete an online application, which takes about 10 minutes to complete.

Eligibility criteria and required information

Applying for a Bank of us credit card requires that you meet certain eligibility criteria. You should be over 18 years of age, an Australian citizen or a permanent resident of Australia, you should not have poor credit history and you should have a regular source of income. You also have to provide the following information:

  • Personal details. As part of your personal details you have to provide your complete name, residential address, email address, phone number, date of birth, marital status, and the number of dependants you have.
  • Financial information. Under this section you have to provide details about your income and expenses. This includes income from all sources as well as details about any savings and assets you may have. Expenses can include rent, mortgage repayments, loan or credit card repayments, payments towards alimony and child support as well as utility bill payments.

What happens next?

If Bank of us requires any additional information after you complete the application, someone at the bank will get in touch with you. Employed individuals can look forward to a quicker turn-around time if they inform their payroll department about Bank of us’ call requesting income confirmation. If you’re a new Bank of us customer, you have to go through a mandatory identity verification process, which is a legal requirement. To do this, you might have to visit a Bank of us branch with required documents.

Frequently asked questions

There are certain questions that are commonly asked about Bank of us credit card. If you have any other questions, feel free to ask using the form at the bottom of this page.

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