bcu Classic Credit Card

bcu Classic Credit Card


  • 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


  • Competitive interest rate on purchases.
  • Supports Visa payWave.
  • Low minimum credit limit of $500.
  • Get up to $20,000 credit limit.


  • There is no rewards program for this card.

Our review


Customer service

Rates and fees



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.

Nilooka Dissanayake

Reviewed by Nilooka Dissanayake


User reviews


Customer service

Rates and fees



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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