bcu credit cards

Make an informed decision about applying for a bcu credit card with this comparison of features, rates, and fees.

By Yvonne Taylor | Verified by David Boyd | Updated 20 Feb 2023

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Comparing bcu credit cards

Compare

bcu Classic Credit Card

Balance transfer

N/A

Purchase rate

11.8% p.a. ongoing

Annual fee

$45.00 p.a. ongoing

Highlights

Get a low variable interest rate of 11.8% p.a. purchases.
Includes 24-hour fraud monitoring.
Enjoy up to 55 days interest-free days.

Pros

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

Cons

There is no rewards program for this card.

Compare

bcu Rewards Credit Card

Balance transfer

N/A

Purchase rate

12.8% p.a. ongoing

Annual fee

$89.00 p.a. ongoing

Highlights

Get a low variable interest rate of 12.8% p.a. purchases.
Earn 0.66% cash back on every $1 spent on eligible transactions.
Enjoy up to 55 days interest-free days.

Pros

Competitive interest rate on purchases.
Earn cash back on eligible transactions.
Has 24-hour fraud monitoring and supports Visa payWave.

Cons

There is no sign-up bonus offer for this card right now.

More about bcu credit cards

Find helpful information on interest rates, fees, and cash backs.

FAQs

Are instalment plans available with a bcu credit card?

No. Instalment plans are not currently available for bcu credit cards. However, several other banks do offer instalment plans (typically for recent transactions).

Can bcu credit cards be used with a digital wallet?

Yes. It’s possible to add a bcu credit card to Apple Pay, Google Pay, and Samsung Pay.

Does bcu have credit cards with rewards points?

Yes, although the reward comes in the form of cashback and not in rewards points as might be expected.

Does bcu offer a balance transfer credit card?

Balance transfers are not typically on offer from bcu. If you would like to transfer a balance, there are many other banks you could consider as an alternative.

Does bcu offer any credit cards with cashback rewards?

Yes. It is possible to earn cashback per dollar spent using a bcu credit card.

Does bcu offer credit cards for businesses?

No. bcu does not offer business credit cards.

Does bcu offer frequent flyer credit cards?

No. bcu do not currently offer any credit cards that earn frequent flyer points.

How can a credit card from bcu be managed?

A bcu credit card can be managed via their website, mobile app, telephone, or in one of their local branches.

How long does it take for bcu to process an application?

Unfortunately, bcu does not respond with their decision instantly. It takes them around 10 days to process an application in full.

Is it possible to have more than one bcu credit card?

Yes, members can have more than one credit card from bcu.

Is there a low interest rate credit card available from bcu?

Yes, you can get a low rate credit card from bcu. Their purchase rate is quite competitive against what’s on offer from other banks.

What documents are required when applying for a bcu credit card?

Applicants must be able to produce an Australian Driver's Licence number, details of your income and expenses and debts, plus proof of income.

What is the most popular bcu credit card?

Based on our research, we think the Classic Card is the most popular credit card from bcu.

Who can apply for a credit card from bcu?

Applicants should be at least 18 years old and earn $15,000 or more (depending on the card applied for). Citizens, permanent residents, and long term visa holders can apply. All applicants must have no history of bad credit.