On website
bcu Rewards Credit Card
Balance transfer
N/A
Purchase rate
13.05% p.a. ongoing
Annual fee
$89.00 p.a. ongoing
Highlights
- Acquire a low variable interest rate of 13.05% p.a. for purchases.
- Receive 0.66% cash back on every $1 spent on eligible transactions.
- Take advantage of up to 55 interest-free days.
Pros and cons
Pros
Cons
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
Yes
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
$100,000.00
Repayments
Interest Charged From
Purchase Date
Interest Free Period
Up to 55 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
13.05% p.a.
Account fees
Annual Fee Initial Year
N/A
Annual Fee Ongoing
$89.00
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
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Rewards
Trust
The basics
- Additional cardholders. You can add up to 2 additional cardholders for free, so you can share the account with other family members. The account holder will be responsible for managing the card and repayments associated with it.
- Digital wallets. This card is not compatible with Apple Pay, Google Pay, or Samsung Pay.
- Gambling transactions. Gambling transactions are not allowed on this card.
Rewards and benefits
- Complimentary travel insurance. The bcu Rewards credit card does not provide complimentary international travel insurance.
- Concierge services. The bcu Rewards credit card does not offer a concierge service.
- Insurances. This card comes with fraud protection.
- Rewards points. This card earns cashback instead of rewards points on eligible purchases, which excludes balance transfers and cash advances. Its cashback rate is 0.66% per $1 spent, capped at a comparatively generous $500 maximum per year.
- Sign-up bonus. There is no sign-up bonus for this card at this time.
Rates and fees
- Annual fee. The ongoing annual fee for this card is $89.
- Balance transfers. This card does not have a balance transfer offer.
- Cash advances. Cash advances made with the bcu Rewards credit card will be charged interest at the rate of 14.8% p.a., with interest beginning to accrue immediately. Any cash advances made with this card will incur a one-off fee.
- Foreign exchange fee. Transactions made in a foreign currency either online or overseas will incur a 3% fee.
- Interest-free period. With the bcu Rewards credit card, you can get up to 55 days interest-free on all purchases except cash advances if you pay off your balance in full or make the minimum required payment.
- Purchases. The bcu Rewards credit card does not have an introductory offer for purchases. All purchases will be charged at the ongoing rate of 13.05% p.a.
Reviewed by Credit Card Compare Staff
History
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