Service One Visa Credit Card

Service One Visa Credit Card

Balance transfer

8 months at 8% p.a.

Purchase rate

12.24% p.a. ongoing

Annual fee

$45.00 p.a. ongoing


  • 8% for 8 months on balance transfers with a 0% balance transfer fee. Reverts to 12.24% p.a.
  • Low $45 annual fee.
  • Low ongoing interest rate of 12.24% p.a. on cash advances and purchases.

Pros and cons


  • Low annual fee.
  • Up to 55 days interest-free on purchases.
  • Low ongoing purchase and cash advance rates.
  • Introductory balance transfer offer for 8 months at 8% p.a. discounted interest rate.
  • Compatible with Apple Pay, Google Pay, and Samsung Pay.


  • No rewards program.
  • No complimentary travel insurance covers.

The basics

  • Additional cardholders. This card offers up to 2 additional cardholders for free, so you can share the account with family members. There is no ongoing additional cardholder fee. The account holder will be responsible for all transactions and repayments.
  • Digital wallets. This card is compatible with Apple Pay, Google Pay and Samsung Pay.
  • Gambling transactions. Gambling transactions are not allowed through the Service One Visa Credit Card.

Rewards and benefits

  • Complimentary travel insurance. The Service One Visa Credit Card does not come with complimentary international travel insurance.
  • Concierge services. The Service One Visa Credit Card does not offer a concierge service.
  • Insurances. This card offers fraud protection and no additional insurance features.
  • Rewards points. This credit card does not have a rewards program.
  • Sign up bonus. Service One Alliance Bank do not offer any sign up bonus for this card.

Rates and fees

  • Annual fee. This card comes with an annual fee of $45 p.a.
  • Balance transfers. With the Service One Visa Credit Card, you can take advantage of a 8% balance transfer rate for 8 months. After 8 months, the revert rate is 12.24%. There is no limit to the amount you can transfer and transfers are not available from personal loans.
  • Cash advances. Transactions classed as a cash advance will be charged interest at the rate of 12.24% p.a. from the day of the transaction being made. A one-off fee will be charged for cash advances made with this card.
  • Foreign exchange fee. All transactions made in a foreign currency will incur a 2% fee.
  • Interest-free period. With this card, you can enjoy up to 55 days interest-free on purchases (excluding cash advances) when you have either paid your previous balance in full or made the minimum required payment.
  • Purchases. The Service One Visa Credit Card does not have any introductory offer on purchases. Purchases made with this card will attract an ongoing interest rate of 12.24% p.a.

User reviews


Customer service

Rates and fees



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