bcu Classic Credit Card

On bcu's website

bcu Classic Credit Card

Balance transfer

N/A

Purchase rate

11.95% p.a. ongoing

Interest-free days

52 days

Annual fee

$45.00 p.a. ongoing

Highlights

  • Acquire a low variable interest rate of 11.95% p.a. on purchases.
  • Receive 24-hour fraud monitoring as part of the package.
  • Take advantage of up to 52 interest-free days.

Pros and cons

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.

About this credit card

Basics

Card usage

Apple Pay Enabled
Yes
Card Type
Visa
Gambling Transactions Allowed
No
Samsung Pay Enabled
Yes

Eligibility

Joint Application Accepted
No
Minimum Age
18 years
Minimum Credit Rating
Good
Minimum Income
N/A
Temporary Residents Accepted
No

Additional cardholders

Additional Cardholders
2
Additional Card Fee Ongoing
$0.00

Credit limits

Minimum Credit Limit
$500.00
Maximum Credit Limit
$20,000.00

Repayments

Interest Charged From
Purchase Date
Interest Free Period
Up to 52 days on purchases
Minimum Repayment Percentage
3%

Balance transfers

Balance transfer offer

Balance Transfer Rate
N/A
Balance Transfer Period
N/A
Balance Transfer Fee Percentage
N/A

Balance transfer conditions

Balance Transfer From Personal Loan
N/A
Balance Transfer Limit Percentage
N/A
Balance Transfer Revert Rate
N/A

Rates, fees, charges

Cash advances

Cash Advance Rate
14.8% p.a.
Cash Advance Fee
$5.00
Cash Advance Fee Percentage
N/A
Cash Advance Fee Threshold
N/A

Purchases

Purchase Rate Introductory Offer
N/A
Purchase Rate Introductory Period
N/A
Purchase Rate Ongoing
11.95% p.a.

Account fees

Annual Fee Initial Year
N/A
Annual Fee Ongoing
$45.00
Dishonour Fee
$15.00
Duplicate Statement Fee
$6.00
Foreign Exchange Fee Percentage
3%
Late Payment Fee
$5.00

Rewards

Rewards program basics

Rewards Program
N/A
Rewards Program Annual Fee Initial Year
N/A
Rewards Points Expiry
N/A

Rewards points per $1 spent

Domestic Rewards Points Earn Rate
N/A
Government Rewards Points Earn Rate
N/A
Overseas Rewards Points Earn Rate
N/A

Additional perks

Insurance

Cardholder's Domestic Hotel Burglary Insurance
No
Cardholder's Extended Warranty Insurance
No
Cardholder's International Travel Insurance
No
Cardholder's Interstate Flight Inconvenience
No
Cardholder's Personal Item Theft Cover
No
Cardholder's Price Protection Insurance
No
Cardholder's Purchase Protection Insurance
No
Cardholder's Refund Protection
No
Cardholder's Transport Accident Insurance
No

Travel and lifestyle

Airport Lounge Access Included
No
Concierge Service Included
No
Complimentary Flight Voucher Included
No
Complimentary QFF Membership Included
N/A

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% foreign transaction fee.
  • Interest-free period. The bcu Classic Credit Card provides up to 52 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.
account

Reviewed by Credit Card Compare Staff

History

    User reviews

    Convenience

    Customer service

    Rates and fees

    Rewards

    Trust

    So glad to have this card

    Reviewed by Anon

    The card that looks after your interests

    Reviewed by Alistair

    Generally very pleased with this card

    Reviewed by Lily

    Super low rate and fees

    Reviewed by Bec

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