On website
bcu Classic Credit Card
Balance transfer
N/A
Purchase rate
11.95% p.a. ongoing
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 55 interest-free days.
Pros and cons
Pros
Cons
About this credit card
Basics
Card usage
Eligibility
Additional cardholders
Credit limits
Repayments
Balance transfers
Balance transfer offer
Balance transfer conditions
Rates, fees, charges
Cash advances
Purchases
Account fees
Rewards
Rewards program basics
Rewards points per $1 spent
Additional perks
Insurance
Travel and lifestyle
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 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
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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