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Visa Credit Card



Electronic Wallet Service

Important Rates


Balance Transfer

Overseas spending



  • Free Supplementary Cards


The Bank of Us Visa credit card offers a very low interest rate on balance transfers, purchases and cash advances.

For a moderately low annual fee, you could enjoy a moderately high number of interest-free days. There’s no annual fee if you meet the minimum annual spend requirement.

If you’re a Bank of Us member (which is not a prerequisite), you could link this credit card with up to two other accounts, which means all your bank cards are combined in one.

This credit card enjoys the protections offered by Visa, which includes Zero Liability for fraudulent charges or unauthorised purchases.

The card is also Verified by Visa, a free service that provides extra protection when you shop online at participating Verified by Visa merchants.

The Bank of Us provides a smart phone app which lets you manage the Visa from a compatible mobile device.

  • Very low interest rates
  • Moderately high interest-free days
  • Can be linked to a bank card
  • Late payment fee
  • Available to Tasmanian residents only
  • No rewards or points

Who is it good for?

The Bank of Us Visa credit card could appeal if you’re a Tasmanian resident looking for a basic, inexpensive credit card. 

While it’s not essential that you reside in Tasmania, the application process for this Visa card requires you to visit a branch in person.

Unless you’re prepared to travel to Tasmania, you might want to keep shopping around for a credit card.

If you are in Tassie and interested, this Visa does offer a budget-friendly credit card alternative.

There’s no rewards or points program available, so if you’re looking to grow points of any kind this card wouldn’t do it for you.

It does provide a low interest rate that’s the same for purchases, cash advances and balance transfers.

The moderately low annual fee is waived if you meet a minimum annual spend. 

What RateCity says

If you’re looking for a cheap credit card with a minimal number of fees and charges, the Bank of Us Visa credit card might be suitable.

The catch is that unless you’re an existing member of Bank of Us or live in Tasmania, applying for it might be difficult. This is because the verification process for your identification must be done in person, at a branch, of which there are eight branches located throughout Tasmania. If obtaining one of the cheaper Visa cards on the market is important, you could make it a holiday trip.

For Tasmanians, the Bank of Us Visa card provides a low very interest rate for all transactions. Combined with a moderately high number of interest-free days and few fees to manage, it’s a no-mess, no-fuss credit card solution. 


You can apply for the Bank of Us Visa credit card online or in a branch. If you’re not an existing customer, you will need to verify your identification in a branch. To be eligible, you must be at least 18 years old and a permanent resident of Australia. You will need to provide contact details for your current employer and financial details for any current commitments such as a mortgage, credit cards or personal loans.

About Bank of Us

The Bank of Us started life as the Launceston Equitable Building and Investment Society in 1870. In 1988, it merged with the Bass Building Society. The Bank of Us began offering a range of banking products and services under that name in 2017. It is a participant in the Customer Owned Banking Code of Practice. Today, the Bank of Us is Tasmania's only customer-owned bank with more than 30,000 customers, eight branches statewide and more than $700 million in assets.

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