8.7 / 10

based on 138 reviews as rated by Mozo community

Bank of us credit cards

Bank of us, formerly known as B&E Personal Banking, is a Tasmanian, member owned financial institution, offering a wide range of products to its customers. And it's also a 2020 Mozo Experts Choice Award winner! Although there isn’t a wealth of credit cards to choose from with Bank of us, what they do have is a pretty good deal, so check it out below.

What credit cards do Bank of us offer?

Rates and fees verified as correct at 30 November, 2020. Other information correct at the time of writing. Advertiser disclosure.

Low rate credit cards

This low rate credit card option from Bank of us is perfect for spenders who might carry a balance on their credit card and want to keep costs down. Also boasting a relatively low annual fee, this card really is a blend of convenience and cost-effectiveness.

Product Purchase rate Balance transfer rate Annual fees Interest free days on purchases

9.99% p.a.

No current offer

$39 $0 when you spend over $8,000 p.a

57

Low fee credit cards

If you're the kind of spender who pays their credit card bill in full and on time every month, then don't undo all your hard work by paying a massive annual fee. Instead, check out the low fee credit card option from Bank of us. Also with a low interest rate, it's a real budget beater!

Product Purchase rate Balance transfer rate Annual fees Interest free days on purchases

9.99% p.a.

No current offer

$39 $0 when you spend over $8,000 p.a

57

**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.

Frequently Asked Questions about Bank of us credit cards

What is the interest free period on my Bank of us credit card?

A Bank of us credit card affords you a slightly over average interest free period, at 57 days. Just keep in mind that if you’re making purchases towards the end of your statement cycle, you’ll have less than 57 days to pay them off before being charged interest, because this period begins when your statement cycle does, not when you make a purchase.

What fees might I be charged?

While your Bank of us card comes with both an annual and foreign transaction fee, the good news is that unlike most credit cards, it doesn’t attract a fee for cash advances. Having said that, keep in mind that you won’t get interest free days on any cash advance made on your credit card. Still, that’s a pretty good deal!

What’s the minimum repayment amount I must make?

Your minimum payment each month will be either $10 or 3% of your credit card balance - whichever is greater.

Keep in mind that this is only a minimum payment, and if you can, it’s always a good idea to pay off your whole balance, to avoid being charged extra interest.

Can I use my Bank of us credit card for a balance transfer?

No unfortunately you can’t. If you want to manage a previous credit card balance by using a balance transfer deal, check out our comparison.

Can I use my Bank of us credit card while I’m travelling overseas?

Good news for all the globetrotters out there - Bank of us credit cards work on the VISA network, which is available all around the world. Just make sure your travel budget accounts for foreign exchange rates! Or, you can check out a prepaid travel card.

How does payWave work with my Bank of us credit card?

PayWave is a VISA scheme which you can use with your Bank of us credit card. It means that when you’re making purchases under $100, you can use contactless payment or Tap ‘n’ Go. Take a look at our contactless payment guide for more information.

What rewards options do I have with my Bank of us  credit card?

Long story short, none. This is a no-frills credit card, designed with savings in mind, rather than perks, so it doesn’t come with any rewards program. If you’re looking for a credit card that will let you earn cool freebies or rewards, check out these great rewards credit cards.

Avoiding credit card fraud

Credit card fraud is one of the risks of using a credit card. One of the common types of fraud is scammers, who contact you trying to get your credit card details, and not all of them are as obvious as a Nigerian Prince. Here are some tips on spotting a credit card scam:

Trust your instincts - if it sounds too good to be true, chances are it is

If you’re contacted out of nowhere with claims that you’ve won something or received a refund, it’s probably fake

If you receive an email that looks like it’s from Bank of us but asks you for your account details, or to confirm details by clicking a link, it is likely a scam. No financial institute should be contacting you for secure details in this way

If you receive a phone call asking for your account or personal details it is likely a scam. While you can do your banking over the phone, Bank of us won’t contact you out of nowhere to do it - you’ll usually have to call them first.

How are Bank of us credit cards rated?

Mozo users have rated Bank of us credit cards on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of credit-cards
Bank of us credit cards
Overall
6.4/10
Price
Features
Customer service
Convenience
Trust

7 Reviews

Recent Bank of us credit card reviews

Bank of us Credit Card review
Overall 7/10
No fees.

Good no fee product.

Read full review

Good no fee product.

Price
7/10
Features
7/10
Customer service
8/10
Convenience
7/10
Trust
7/10
Less
Patti, Tasmania reviewed 3 months ago
Bank of us Visa Credit Card review
Overall 0/10
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Price
0/10
Features
0/10
Customer service
0/10
Convenience
0/10
Trust
0/10
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Sdf, Victoria reviewed over 5 years ago
Bank of us Visa Credit Card review
Overall 5/10
no comment

no comment

Read full review

no comment

Price
7/10
Features
5/10
Customer service
5/10
Convenience
7/10
Trust
5/10
Less
Sherien, New South Wales reviewed over 5 years ago
Bank of us Visa Credit Card review
Overall 10/10
Inexpensive convenience!

I have never actually paid any interest on my credit card, but if I did the interest is 11% per annum, better than the 21% that Westpac want. The only downside to this product, is that is not connected to frequent flyer points!

Read full review

I have never actually paid any interest on my credit card, but if I did the interest is 11% per annum, better than the 21% that Westpac want. The only downside to this product, is that is not connected to frequent flyer points!

Price
10/10
Features
10/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Elvin, Tasmania reviewed about 6 years ago
Bank of us Credit Card review
Overall 9/10
ok

Staff are wonderful.

Read full review

Staff are wonderful.

Price
4/10
Features
6/10
Customer service
9/10
Convenience
3/10
Trust
9/10
Less
Sally, reviewed over 6 years ago

What do you need to apply for a Bank of us credit card?

To apply for a credit card with Bank of us, you can get in contact either by visiting a branch, or online through their website. To be eligible for a credit card, you’ll need to be over 18 and have contact details for your employer as well as details about your financial situation, including income, assets and debts, handy.

Credit card quick links