Bank of us
Bank of us

Bank of us Visa Credit Card

Purchase Rate
9.99% p.a.
Cash Advance Rate
9.99% p.a.
Interest Free
Up to 57 days
Annual Fee
  • Up to 57 days interest-free credit.
  • Competitive low interest rate on purchases
  • Low annual fee of $39 - waived if you make purchases of more than $8,000 a year.
  • Accepted at more than 24 million outlets worldwide - just look for the VISA symbol.
  • Can be linked with up to two other Bank of us accounts ensuring you only have to carry the one card.
  • Option to make balance transfers from existing cards - treated the same way as a purchase with up to 57 days interest free.

Key Features
Rewards Program
Joining Fee
Annual Fee
Insurance Cover
for Purchases
Overseas ATM
Automatic Travel

Fee & Repayments

Annual Fee $39.00
Annual Fee First Year $39.00
Rewards Joining Fee -
Supplementary Card Fee $39.00
Minimum Repayment Greater of 3% or $10.00
Interest Charged From PurchaseDate
Late Payment Fee $20.00

Other Charges

Duplicate Statement Fee $5.00
Overseas ATM Balance Fee $5.00
Transaction Verification Fee $0.00
Overseas ATM Withdrawal Fee $5.00
Over Limit Fee $35.00
Overseas Emergency Card Replacement Fee $120.00
Terms & Conditions

* For cards with reward programs that allow you to earn points, unless otherwise noted, the best case scenario of everyday spending is used when calculating the spend required to earn a reward. Everyday spending does not include bonus points that may be earned by shopping with loyalty partners. For rewards programs that have monthly caps, we assume you stay under that cap and for products with two cards, we assume spending is with the highest earning card. For programs that allow you to convert points for air travel at a price that changes from day to day, we have assumed that the flight is $300 (taxes and charges inclusive).

Visa® is a registered trademark of Visa International Services Association.
The MasterCard® brand is a registered trademark of MasterCard International Incorporated.