Thumbnail icon for Bank of us

Bank of us Visa Credit Card

Purchase rate
9.99% p.a.
Balance transfer rate
No current offer
Annual fees
$39 $0 when you spend over $8,000 p.a
Interest free days on purchases
57

Mozo editorial review Bank of us Visa Credit Card

Last updated: 15 October 2020.

binocular icon
What's hot
  • Low 9.99% interest rate
  • $39 annual fee (waived when you spend $8,000 per year)
  • 2020 Mozo Experts Choice Award
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.

Plus, this year the Bank of us Visa Credit Card took home a 2020 Mozo Experts Choice Award for best Low Rate Credit Card. 

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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.
snapshot
Who is it 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.

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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.

Details

Rates and fees information correct as at 22 October 2020 Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 9.99% p.a.

  • none

  • No current offer

  • no

  • 9.99% p.a.

  • 57

Fees
  • $39.00

  • none

  • $8,000.00

  • none

  • $20.00

  • $5.00

  • 2.50%

  • $5.00

  • $20.00

  • $0.00

Features
  • $10.00

  • 3.0

  • 1

  • none

Payment options

Apple Pay, PayID

Customer Reviews

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

Overall
6.4/10
Price
6.1/10
Features
5.7/10
Customer service
6.1/10
Convenience
6.1/10
Trust
6.7/10

Latest reviews of Bank of us Visa Credit Card

  • Overall 0/10
    fd

    df

    Price
    0/10
    Features
    0/10
    Customer service
    0/10
    Convenience
    0/10
    Trust
    0/10
    Less
    Sdf, Victoria reviewed about 5 years ago
  • 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
  • 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 almost 6 years ago
  • Overall 8/10
    GOOD

    GOOD SERVICE

    Read full review

    GOOD SERVICE

    Price
    8/10
    Features
    8/10
    Customer service
    8/10
    Convenience
    10/10
    Trust
    10/10
    Less
    David, Tasmania reviewed over 6 years ago
Bank of us

About Bank of us

Bank of us, formerly known as B&E Personal Banking, is a Tasmanian financial institution offering 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.

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