In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
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Bank of us Visa Credit Card
Terms and conditions apply
Balance transfer rate with no balance transfer fee
9.99% p.a.
Purchase rate
9.99% p.a.
Annual fee
$39 p.a.
Interest-free on purchases
Up to 57 days

Our verdict

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

Available to existing Tasmanian residents, the Bank of us Visa offers a low variable rate of 9.99% p.a. for purchases, balance transfers and cash advances. It offers worldwide acceptance through the Visa network, with contactless payments in-store, secure online payment options – plus bill payments via BPAY through the Bank of us mobile app.

Pros

  • Low interest rate of 9.99% p.a. on purchases, balance transfers and cash advances
  • $39 annual fee will be waived when you spend $8,000 per year
  • Up to 57 days interest-free on purchases

Cons

  • Charges $20 on late payment fees

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question

The Bank of us Visa Credit Card is a no-frills credit card that you can use at more than 24 million outlets worldwide. This card offers up to 57 interest-free days on purchases during each statement period when you pay your balance in full. 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 modest benefits with this card — find out more about them below.

Details

Product details

Product Name Bank of us Visa Credit Card
Balance transfer rate p.a. 9.99%
Purchase rate p.a.
Purchase rate p.a.
9.99%
Interest-free period
Up to 57 days on purchases
Cash advance rate p.a. 9.99%
Min credit limit $500
Card type Visa

Eligibility

Available to temporary residents No
Joint application No

Rewards

Bonus points N/A

Fees

Annual fee
Annual fee
$39
Minimum monthly repayment 3% of the closing balance or $10, whichever is greater
Late payment fee $20
Foreign currency conversion fee
Foreign currency conversion fee
2.5%
Cash advance fee 5%
Overseas ATM withdrawal fee $5
Number of additional cardholders 2

How to apply

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

Eligibility criteria

  • Age. You must be at least 16 years of age to apply.
  • Residency. You are a resident of Tasmania.

Card benefits

  • Low rate. The Bank of us Visa has a low variable rate of 9.99% p.a. on purchases and balance transfers. Cash advances and BPAY payments also attract a competitive rate of 9.99% p.a.
  • Interest-free days. You can get up to 57 interest-free days on purchases if you pay your account's closing balance in full by the due date listed on your statement.

Rates & fees

  • Annual fee. This card changes an annual fee of $39 p.a. If you spend more than $8,000 annually, Bank of us will waive the annual fee.
  • 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.

Your reviews

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Amy Finder

Editor

Hi there, looking for more information? Ask us a question.

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Peter

July 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?


Avatar

Jonathan Finder

July 23, 2015

Hi Peter, thanks for your inquiry!


The overseas ATM withdrawal fee is $5.


Cheers,


Jonathan


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