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SERVICE ONE Visa Credit Card
SERVICE ONE Visa Credit Card

SERVICE ONE Visa Credit Card

Updated 6 October 2020

Purchase Rate (p.a)

12.24%

Balance Transfer (p.a)

8% for 8 months No BT fee. reverts to 12.24% p.a.

Annual Fee (p.a)

$45

$0 over 8 months

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • 8% p.a. for 8 months on balance transfers
  • 12.24% p.a. on purchases
  • $45 annual fee
  • Up to 55 days interest free on purchases
  • Eligible with Apple Pay, Google Pay and Samsung Pay

  • Introductory rate could be lower

Creditcard.com.au review

Editor Review

SERVICE ONE Visa Credit Card

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. about this card.

The SERVICE ONE Visa Credit Card

Shunning complex features, the SERVICE ONE Visa Credit Card keeps its focus on money saving, allowing cardholders to keep costs down with low interest, a low annual fee and up to 55 days interest free on purchases. New cardholders can benefit from further money saving with the card’s intro offer, providing an intro rate of 8.00% p.a. for eight months on balance transfers.

What we love...

Appealing to new cardholders looking to save, the SERVICE ONE Visa Credit Card is currently offering an introductory rate of 8.00% p.a. on balance transfers for eight months. If you have debt on your current credit cards that you want to pay off, you may be able to transfer that balance onto the SERVICE ONE Visa Credit Card. Attracting that lower intro rate, your transferred balance may then be easier to clear, as you pay off more of what you owe. If you are unable to fully pay off your balance within the intro period, it will revert to the card’s low cash advance rate.

So, what can you expect from the card in the long term? Past that eight month intro period, the card works to keep costs down with a low ongoing rate for both purchases and cash advances. This could be of benefit if you carry a balance, or if you fail to pay off your balance transfer within the intro period.

If you clear your balance each month, however, you can keep costs down even further, with up to 55 days interest free on purchases. Note, this is not available when you have a balance transfer on your account. On top of that, the card has a nice low annual fee, making it a manageable option if you decide to keep the card over the long term.

What’s not so great...

Comparing the options, you may have noticed purchase offers and balance transfer offers that provide a much lower rate. While these could help you save more in interest, it’s worth thinking about how much those cards charge in annual fees, what the rates revert to at the end of the offer, and how well the card suits you in the longer term.

Why should you choose this card?

The SERVICE ONE Visa Credit Card is a basic card. This could appeal to you if you are not interested in complex features, and even more so if you want to avoid paying for them. Cards with more features, such as rewards and extras, tend to have higher annual fees and interest. If all you want is access to credit, then there’s really no point paying a premium for features you’re not going to use.

However, the card does offer standard features found on all Visa cards. Aside from offering you access to Visa’s worldwide network, the card also provides added security with Verified by Visa, contactless payments via Visa payWave, and the ability you monitor your account with the bank’s app. The card also offers compatibility with Apple Pay, Google Pay and Samsung Pay.

Overall Rating

A no frills option that concentrates on money saving features, the SERVICE ONE Visa Credit Card offers a low ongoing annual fee and purchase rate, up to 55 days interest free on purchases, and an intro rate of 8.00% p.a. for eight months.

User reviews

SERVICE ONE Visa Credit Card ( based on 1 Creditcard.com.au user review )

62% rating based on 1 review

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates



Purchase rate 12.24% p.a.

Cash advance rate 12.24% p.a.

Interest free period on purchases up to 55 days

Balance transfer

Balance transfer rate 8% p.a. for 8 months

Balance transfer revert rate 12.24% p.a.

Balance transfer from personal loan N/A

Balance transfer fee No fee

Balance transfer limit N/A

Banks you can't balance transfer from SERVICE ONE

Credit limits

Minimum credit limt $N/A

Maximum credit limit N/A

Fees & repayments

Annual fee $45 p.a.

Additional card holder fee N/A

Foreign transaction fee N/A

Minimum repayment

Cash advance fee N/A

Late payment fee N/A

Additional features

Complimentary insurance

International Travel Insurance No

Flight Inconvenience Insurance No

Transit Accident Insurance No

Smartphone Screen Insurance No

Purchase Protection Insurance No

Extended Warranty Insurance No

Rental Vehicle Excess In Australia Insurance No

Overview

SERVICE ONE Visa Credit Card

Key features

  • 8% p.a. for 8 months on balance transfers
  • 12.24% p.a. on purchases
  • $45 annual fee
  • Up to 55 days interest free on purchases
  • Eligible with Apple Pay, Google Pay and Samsung Pay

Minimum criteria to apply for this card

  • You have your personal details ready to complete the online application

Roland B Bleyer

Roland B Bleyer founded Creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

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