Bank of us Visa Credit Card

9.99% p.a.

No current offer

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

Bank of us Visa Credit Card Review

Rates and fees information correct as at 24 June 2018.

Review published: 3 May 2017

What's hot:

  • 9.99% interest rate

  • 57 interest free days (when you don’t make cash advances)

  • $39 annual fee (waived when you spend $8,000 per year)

  • Powered by Visa

What's not:

  • $35 late payment fee

Mozo snapshot:

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.

Key features:

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.

Who it's good for:

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.

Any catches?

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.

How are Bank of us credit cards rated by the Mozo community?

Product Type Overall Rating Price Features Service Convenience Trust
6.4

Based on 5
Bank of us credit cards reviews

5.8 5.8 6.4 6.0 6.8

Read Bank of us credit card reviews by the Mozo community

Latest review of Bank of us Visa Credit Card

Bank of us

Bank of us Visa Credit Card credit card review

Overall rating   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!

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 (TAS), reviewed over 3 years ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Rates

  • 9.99% p.a.

  • none

  • No current offer

  • no

  • 9.99% p.a.

  • 57

Fees

  • $39.00

  • none

  • 8000

  • none

  • $20.00

  • $5.00

  • 2.50%

  • $5.00

  • $20.00

  • $0.00

Other financial bits

  • $10.00

  • 3.0

Features

  • 1

  • none

  • none

About Bank of us

Bank of us is a leading Tasmanian financial institution with more than 40,000 clients, nine branches statewide and $500 million in assets. Bank of us offers a comprehensive and competitive range of banking products and services designed to meet all your personal banking needs - from term deposits and savings and internet cash management accounts through to home loans, personal loans and general insurance.

**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.

Compare other credit cards
Advertisement