bcu Classic Credit Card
Highlights
- Get a low variable interest rate of 11.95% p.a. purchases.
- Includes 24-hour fraud monitoring.
- Enjoy up to 55 days interest-free days.
Pros and cons
Pros
Cons
History
Our review
Convenience
Customer service
Rates and fees
Rewards
Trust
The basics
- Additional cardholders. You can add up to 2 additional cardholders for free. The account holder is responsible for keeping the account in good standing and paying off the balance in full each month.
- Digital wallets. This card is compatible with Apple Pay, Google Pay, and Samsung Pay.
- Gambling transactions. Gambling transactions are not allowed on this card.
Rewards and benefits
- Complimentary travel insurance. The bcu Classic Credit Card does not provide complimentary international travel insurance.
- Concierge services. The bcu Classic Credit Card does not offer a concierge service.
- Insurances. This card comes with fraud protection but does not offer any additional insurance coverage.
- Rewards points. This credit card does not have a rewards program.
- Sign-up bonus. There is no sign-up bonus on offer currently.
Rates and fees
- Annual fee. This card has an ongoing annual fee of $45.
- Balance transfers. This credit card currently does not offer a balance transfer promotion.
- Cash advances. bcu will charge 14.8% p.a. on any cash advances made using this card, with the interest rate applied immediately from the transaction date.
- Foreign exchange fee. Purchases made with an overseas store or while traveling overseas will incur a 3.65% foreign transaction fee.
- Interest-free period. The bcu Classic Credit Card provides up to 55 days of interest-free purchases (excluding cash advances) when you pay your balance in full or make the minimum required payment.
- Purchases. There is no introductory offer on purchases. The standard ongoing rate for purchases is a low 11.95% p.a.
Reviewed by Nilooka Dissanayake
Writer
User reviews
Convenience
Customer service
Rates and fees
Rewards
Trust
So glad to have this card
Reviewed by Anon
I took out this card a long time ago and since I have been on a Disability Pension have found it to be one of the most useful things I have ever owned. The major reward of this card is just being a part of BCU. I have found them to be most accomadating and the best financial organisation going.
"The card that looks after your interests
Reviewed by Alistair
A convenient credit card, with no annual fee, low rate and great security protection. This card gives you access worldwide, can be linked to PayPal and similar payment systems, and allows for PIN entry and/or payWave at the checkout. It offers peace of mind as far as most of the current fraudulent schemes including false emails and the like and has a up to the minute fraud detection system to protect your account. All in all
Generally very pleased with this card
Reviewed by Lily
I found BCU customer service to be outstanding
Super low rate and fees
Reviewed by Bec
This card is great and it has a low interest rate for purchases and cash use. It also has low fees and you get great service from BCU.
I would recommend it to everyone
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