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: 28 July 2020.

binocular icon
What's hot
  • Low 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)
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 icon
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.

snapshot
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 13 August 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

  • 8000

  • none

  • $20.00

  • $5.00

  • 2.50%

  • $5.00

  • $20.00

  • $0.00

Features
  • $10.00

  • 3.0

  • 1

  • none

Customer Reviews

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

Overall customer rating
6.3/10
Price
6.0/10
Features
5.5/10
Customer service
5.8/10
Convenience
6.0/10
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 almost 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 about 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 over 5 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.

See Bank of us credit cards

Promoted

CUA

CUA

Low Rate Credit Card

11.99% p.a.

0% p.a. for 13 months and then 21.74% p.a.

$49 $0 in the first year

Promoted

ME

ME

frank Credit Card

11.99% p.a.

No current offer

$0

Promoted

CUA

CUA

Platinum Credit Card

19.99% p.a.

0% p.a. for 13 months and then 21.74% p.a.

$149 $0 in the first year

Life Rich Rewards

Promoted

Qantas Money

Qantas Money

Qantas Premier Platinum

19.99% p.a.

0% p.a. for 18 months and then 21.99% p.a.

$299 $199 in the first year

Qantas Frequent Flyer

Promoted

American Express

American Express

Qantas Ultimate Card

20.74% p.a.

No current offer

$450

Qantas Frequent Flyer

Promoted

Bankwest

Bankwest

Breeze Mastercard

0% p.a. for 15 months then 12.99% p.a.

2.99% p.a. for 9 months and then 12.99% p.a. (0% balance transfer fee)

$79

Promoted

American Express

American Express

Qantas Discovery Card

20.74% p.a.

No current offer

$0

Qantas Frequent Flyer

Promoted

Bankwest

Bankwest

Zero Mastercard

17.99% p.a.

2.99% p.a. for 9 months and then 17.99% p.a.

$0

Promoted

CUA

CUA

Platinum Credit Card

Life Rich Rewards

$149 $0 in the first year

No current offer

1 point up to 100,000 points/year

Promoted

American Express

American Express

Qantas Ultimate Card

Qantas Frequent Flyer

$450

80,000

1.25 points uncapped

Promoted

Qantas Money

Qantas Money

Qantas Premier Platinum

Qantas Frequent Flyer

$299 $199 in the first year

80,000

1 point up to $10,000/month, then
0.5 points uncapped

Promoted

NAB

NAB

Rewards Platinum Card

NAB Rewards

$195

60,000

1 point uncapped

Promoted

American Express

American Express

Qantas Discovery Card

Qantas Frequent Flyer

$0

No current offer

0.75 points uncapped

Promoted

NAB

NAB

Qantas Rewards Premium Card

Qantas Frequent Flyer

$250

30,000

0.66 points up to $3,000/month, then
0.33 points up to $6,000/month

Promoted

Citi

Citi

Rewards Credit Card

Citi Rewards Program

$199 $0 in the first year

No current offer

1 point up to $10,000/month

Promoted

David Jones

David Jones

American Express Card

Membership Rewards

$99

15,000

1 point uncapped

Promoted

CUA

CUA

Low Rate Credit Card

0% p.a. for 13 months and then 21.74% p.a.

11.99% p.a.

$49 $0 in the first year

Promoted

Westpac

Westpac

Low Rate

0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)

13.74% p.a.

$59

Promoted

Bankwest

Bankwest

Breeze Mastercard

2.99% p.a. for 9 months and then 12.99% p.a. (0% balance transfer fee)

0% p.a. for 15 months then 12.99% p.a.

$79

Promoted

St.George

St.George

No Annual Fee

0% p.a. for 12 months and then 21.49% p.a. (1.00% balance transfer fee)

20.74% p.a.

$0

Promoted

Qantas Money

Qantas Money

Qantas Premier Platinum

0% p.a. for 18 months and then 21.99% p.a.

19.99% p.a.

$299 $199 in the first year

Qantas Frequent Flyer

Promoted

St.George

St.George

Vertigo

0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)

0% p.a. for 7 months then 13.99% p.a.

$55 $0 in the first year

Promoted

Bankwest

Bankwest

Zero Mastercard

2.99% p.a. for 9 months and then 17.99% p.a.

17.99% p.a.

$0

Promoted

Bank of Melbourne

Bank of Melbourne

Vertigo

0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)

0% p.a. for 7 months then 13.99% p.a.

$55 $0 in the first year

Promoted

CUA

CUA

Low Rate Credit Card

11.99% p.a.

0% p.a. for 13 months and then 21.74% p.a.

$49 $0 in the first year

Promoted

Westpac

Westpac

Low Rate

13.74% p.a.

0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)

$59

Promoted

Bankwest

Bankwest

Breeze Mastercard

0% p.a. for 15 months then 12.99% p.a.

2.99% p.a. for 9 months and then 12.99% p.a. (0% balance transfer fee)

$79

Promoted

St.George

St.George

Vertigo Platinum

0% p.a. for 15 months then 12.99% p.a.

No current offer

$99 $49 in the first year

Promoted

St.George

St.George

Vertigo

0% p.a. for 7 months then 13.99% p.a.

0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)

$55 $0 in the first year

Promoted

ME

ME

frank Credit Card

11.99% p.a.

No current offer

$0

Promoted

Bank of Melbourne

Bank of Melbourne

Vertigo

0% p.a. for 7 months then 13.99% p.a.

0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)

$55 $0 in the first year

Promoted

NAB

NAB

Low Rate Card

0% p.a. for 6 months then 12.99% p.a.

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

$59

Promoted

Bankwest

Bankwest

Breeze Mastercard

0% p.a. for 15 months then 12.99% p.a.

2.99% p.a. for 9 months and then 12.99% p.a. (0% balance transfer fee)

$79

Promoted

NAB

NAB

Low Rate Card

0% p.a. for 6 months then 12.99% p.a.

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

$59

Promoted

St.George

St.George

Vertigo Platinum

0% p.a. for 15 months then 12.99% p.a.

No current offer

$99 $49 in the first year

Promoted

St.George

St.George

Vertigo

0% p.a. for 7 months then 13.99% p.a.

0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)

$55 $0 in the first year

Promoted

Bank of Melbourne

Bank of Melbourne

Vertigo

0% p.a. for 7 months then 13.99% p.a.

0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)

$55 $0 in the first year

Promoted

BankSA

BankSA

Vertigo

0% p.a. for 7 months then 13.99% p.a.

0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)

$55 $0 in the first year

Promoted

BankSA

BankSA

Amplify Platinum

0% p.a. for 7 months then 19.74% p.a.

0% p.a. for 22 months and then 19.74% p.a. (1.50% balance transfer fee)

$99 $0 in the first year

Promoted

Bankwest

Bankwest

Breeze Platinum Mastercard

0% p.a. for 15 months then 12.99% p.a.

2.99% p.a. for 9 months and then 12.99% p.a. (0% balance transfer fee)

$99