bcu Classic Credit Card

On website

bcu Classic Credit Card

Balance transfer


Purchase rate

11.95% p.a. ongoing

Annual fee

$45.00 p.a. ongoing


  • 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 55 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.


Reviewed by Credit Card Compare Staff

User reviews


Customer service

Rates and fees



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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