After a no frills credit card for everyday spending? Then the Visa Credit Card by the Bank of us, with a competitively low purchase rate and cash advance rate at 9.99% and generous number of interest free days, could be just what you’re looking for. This card is easy to use because it’s powered by Visa and is accepted at most merchant terminals around the world.
Plus, this year the Bank of us Visa Credit Card took home a 2020 Mozo Experts Choice Award for best Low Rate Credit Card.
The Visa Credit Card by the Bank of us has a lot to offer budget-minded cardholders, charging little for a range of convenient features. For instance, not only do you receive a fair interest rate, there is a generous 57 interest free days (provided you don’t make a cash advance). When you consider most cards come with 44-55 interest free days this is great value.
This piece of plastic also offers a rock bottom interest rate of 9.99% on both purchases and cash advances. Plus, the already low annual fee of $39 is waived for cardholders who rack up a spend of $8,000 per year.
The Bank of us can also make room for an additional cardholder on application, for those who want to share their credit card with a partner or family member.
This no frills credit card is ideal for Aussie spenders who want access to credit for a low annual fee of $39 (or nothing at all!). t's especially handy if you'd like to pay off your balance each month (highly recommended!) but need a little longer than the standard 44 or 55 day interest free period.
If you're using your card overseas, keep one eye on it at all times, because if you lose it, you'll be up for a $120 overseas card replacement fee.
| 9.99% p.a. | |
| none | |
| No current offer | |
| no | |
| 9.99% p.a. | |
| 57 |
| $39.00 | |
| none | |
| $8,000.00 | |
| none | |
| $20.00 | |
| $5.00 | |
| 2.50% | |
| $5.00 | |
| $20.00 | |
| $0.00 |
| $10.00 | |
| 3.0 | |
| 1 | |
| none |
Apple Pay, PayID
I never missed a payment! Yet they continuously decrease my credit which decreases my credit score it's funny how you do what's responsible by paying every time before the due date, more then the minimum and still lose credit! Makes no sense at all! There are no pros only cons with this horrible company!
Read full reviewI never missed a payment! Yet they continuously decrease my credit which decreases my credit score it's funny how you do what's responsible by paying every time before the due date, more then the minimum and still lose credit! Makes no sense at all! There are no pros only cons with this horrible company!
no comment
Read full reviewI 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 reviewI 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!
GOOD SERVICE
Read full review
Bendigo Bank
Low Rate Credit Card
0% p.a. for 12 months then 11.99% p.a.
0% p.a. for 12 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
Great Southern Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 25 months and then 21.74% p.a.
$49 $0 in the first year
PayPal
Rewards Card
20.99% p.a.
0% p.a. for 20 months and then 20.99% p.a.
$0
PayPal Rewards
Kogan Money
Black Card
20.99% p.a.
0% p.a. for 12 months and then 21.74% p.a.
$0
Kogan Rewards Points
St.George
Vertigo
13.99% p.a.
2.99% p.a. for 15 months and then 21.49% p.a.
$55 $0 in the first year
NAB
Low Rate Card
12.99% p.a.
0% p.a. for 32 months and then 21.74% p.a. (0% balance transfer fee)
$59 $0 in the first year
NAB
Qantas Rewards Signature Card
Qantas Frequent Flyer
$395 $295 in the first year
110,000
1 point up to $5,000/month, then
0.5 points up to $20,000/month
American Express
Velocity Platinum Card
Velocity Frequent Flyer
$375
120,000
1.25 points uncapped
American Express
Velocity Escape Card
Velocity Frequent Flyer
$0
No current offer
0.75 points uncapped
Kogan Money
Black Card
0% p.a. for 12 months and then 21.74% p.a.
20.99% p.a.
$0
Kogan Rewards Points
Great Southern Bank
Low Rate Credit Card
0% p.a. for 25 months and then 21.74% p.a.
11.99% p.a.
$49 $0 in the first year
Bendigo Bank
Low Rate Credit Card
0% p.a. for 12 months and then 11.99% p.a. (2.00% balance transfer fee)
0% p.a. for 12 months then 11.99% p.a.
$45
PayPal
Rewards Card
0% p.a. for 20 months and then 20.99% p.a.
20.99% p.a.
$0
PayPal Rewards
Westpac
Low Rate
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
13.74% p.a.
$59 $0 in the first year
humm90
Mastercard
0% p.a. for 36 months and then 25.99% p.a. (0% balance transfer fee)
23.99% p.a.
$99
HSBC
Platinum Credit Card
0% p.a. for 36 months and then 21.99% p.a.
19.99% p.a.
$129 $29 in the first year
Rewards Plus
NAB
Low Rate Card
0% p.a. for 32 months and then 21.74% p.a. (0% balance transfer fee)
12.99% p.a.
$59 $0 in the first year
Bendigo Bank
Low Rate Credit Card
0% p.a. for 12 months then 11.99% p.a.
0% p.a. for 12 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
Great Southern Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 25 months and then 21.74% p.a.
$49 $0 in the first year
NAB
StraightUp Card
0% p.a.
No current offer
$120 $10/month - waived if no spend & no balance owing
St.George
No Annual Fee
0% p.a. for 12 months then 20.74% p.a.
2.99% p.a. for 15 months and then 21.49% p.a.
$0
NAB
Low Rate Card
12.99% p.a.
0% p.a. for 32 months and then 21.74% p.a. (0% balance transfer fee)
$59 $0 in the first year
Westpac
Low Rate
13.74% p.a.
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
$59 $0 in the first year
Bendigo Bank
Low Rate Credit Card
0% p.a. for 12 months then 11.99% p.a.
0% p.a. for 12 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
NAB
StraightUp Card
0% p.a.
No current offer
$120 $10/month - waived if no spend & no balance owing
St.George
No Annual Fee
0% p.a. for 12 months then 20.74% p.a.
2.99% p.a. for 15 months and then 21.49% p.a.
$0
David Jones
American Express Platinum Card
0% p.a. for 6 months then 20.74% p.a.
No current offer
$295
NAB
StraightUp Card
0% p.a.
No current offer
$180 $15/month - waived if no spend & no balance owing
BankSA
No Annual Fee
0% p.a. for 12 months then 20.74% p.a.
2.99% p.a. for 15 months and then 21.49% p.a.
$0
David Jones
American Express Card
0% p.a. for 6 months then 20.74% p.a.
No current offer
$99
