Visa Credit Card card image

Bank of us Visa Credit Card

Advertiser disclosure
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

Mozo editorial review Bank of us Visa Credit Card - last updated: 24 February 2021

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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
  • $20 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.
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.


Rates and fees information correct as at 14 August 2022 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.

9.99% p.a.


No current offer


9.99% p.a.


















Payment options

Apple Pay, PayID

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About Bank of us