bcu credit cards

bcu
bcu's overall rating for credit cards

(as rated by the Mozo community)

9.1 / 10

based on 66 reviews

Looking for a low cost version of your favourite credit cards? BCU has just what you need. These cards are affordable and convenient - exactly the thing you need to add to your wallet!

Rates and fees verified as correct at 16 November, 2018. Other information correct at the time of writing.

What credit cards do bcu offer?

Low rate credit cards Low rate credit cards

Want an affordable credit card to make spending as easy pie? A low rate credit card from BCU might be just the ticket. With a low annual fee and interest rate, this card will help you keep costs down, even if you tend to carry a balance from month to month.

Product Purchase rate Balance transfer rate Annual fees Interest free days

11.80% p.a.

No current offer

$45

55

12.80% p.a.

No current offer

$89

55


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Low fee credit cards Low fee credit cards

No matter how you spend on your credit card, a high annual fee is a surefire way to make your hip pocket ache. So snag a low fee credit card from BCU and never have to worry about that again!

Product Purchase rate Balance transfer rate Annual fees Interest free days

11.80% p.a.

No current offer

$45

55


Hide

Rewards credit cards Rewards credit cards

Sick of trawling through rewards program catalogues looking for something you actually want, and then ending up with yet another toaster? Then the BCU rewards card is for you. This card converts your points straight back into cash so you can spend it anywhere and on anything. It’s also a low cost rewards card option - what more could you want?

Product Points per dollar Purchase rate Balance transfer rate Annual fees

1 point per dollar on Visa, up to 75760 points per year

12.80% p.a.

No current offer

$89


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**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.

Frequently Asked Questions about bcu credit cards

How many interest free days will I get with a BCU credit card?

No matter which BCU credit card you go for, you’ll get an interest free period of up to 55 days to pay off your balance before being charged interest on it. Notice that we said up to 55 days - your interest free period starts when your statement cycle starts, not when you make the purchase. So if you hit the shops halfway through your statement period, you’ll have less than 55 days before your balance starts attracting interest.

What fees might I be charged?

Your BCU credit card comes with an annual fee, as well as a cash advance and a foreign exchange fee.
The good news is that these fees are relatively low. Plus, the cash advance fee is not so bad when you consider that the cash advance rate - usually very high - is the same as the purchase rate on BCU credit cards. That’s good value!

Can I use my BCU credit card for a balance transfer?

No, unfortunately you can’t. So if you’re looking for a balance transfer card to manage your credit card balance, check out our balance transfer credit card comparison for all your options.

Can I use payWave with my BCU credit card?

Yep! PayWave is a VISA scheme designed to let you pay for purchases under $100 by tapping your card, so shopping is easy and quick. Your BCU credit card works on the VISA network, so you can use payWave.

Can I use my BCU credit card while I’m travelling overseas?

Another good thing about your BCU credit card being on the VISA network is that you can use it all around the world, wherever VISA is accepted. 

Remember to budget for the foreign exchange fees in your holiday plans though! Or, you can check out a prepaid travel card, so you know exactly how much foreign money you're getting for your Aussie dollar the whole time you’re away.

What rewards options do I have with my BCU rewards credit card?

The philosophy of the BCU credit card rewards scheme is simplicity and practicality. If you find yourself flipping through other rewards program catalogues and finding nothing you really need or want, the BCU rewards card offers a great alternative - points are immediately converted back to dollars and credited to your card. That means you can spend them at any retail store, on any product you want.

Here are the technical details:
Points per $1 spent - 1
Points cap per year - 60,000
Points expire - 3 years from the end of the month they were earned in
Points are credited - on a weekly basis

The only catch is that although your points essentially work like cashback, you can’t actually convert points to cold, hard cash by heading off to the ATM. They have to be spent directly from your credit card.

What can I do to keep my credit card safe?

While credit card fraud is something you should be aware of, your money is generally pretty safe, thanks to bank’s stringent security and 24 hour fraud monitoring programs. Even so, there are a few things you can do to keep your credit card use as safe as possible. Here are some of our top credit card safety tips:

Review your statement each month and look for unusual transactions or payments you don’t remember making. These could be a sign of credit card fraud.

Keep your card in sight. When you shop with your credit card, make sure you can always see it, and that cashiers aren’t taking your card into other rooms or behind their desks.

Don’t use ATMs that look suspicious or damaged. They could have been tampered with for scamming purposes.

Choose a PIN you’ll remember without writing it down. If you’ve got your PIN number written down and kept in your wallet, then that might be counted as contributing to the loss in the case of credit card fraud, and you may not be able to get your money back.

How are BCU credit cards rated?

Mozo users have rated BCU credit cards on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

bcu credit cards

Overall 9.1

Price

Features

Customer service

Convenience

Trust

66 Reviews

Recent bcu credit card reviews Recent bcu credit card reviews

bcu

bcu Classic Credit Card credit card review

Overall rating   10 / 10

I will be leaving my bank and joining BCU.

Kerrie was extremely helpful and so quick with the whole process. She explained everything very clearly and made the experience very pleasant!!

Full review

Kerrie was extremely helpful and so quick with the whole process. She explained everything very clearly and made the experience very pleasant!!

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Carly, New South Wales, reviewed over 2 years ago

bcu

bcu Classic Credit Card credit card review

Overall rating   10 / 10

Smooth transfer from old to new

First time balance transfer, Nathan was very helpful.

Full review

First time balance transfer, Nathan was very helpful.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Trust   10 / 10

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Kimberlie, Queensland, reviewed over 2 years ago

bcu

bcu Classic Credit Card credit card review

Overall rating   10 / 10

Excellent service

Very happy with the service and WOW very fast response - thank you BCU

Full review

Very happy with the service and WOW very fast response - thank you BCU

    Price   10 / 10

    Features   10 / 10

    Customer service   9 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Sonia, New South Wales, reviewed over 2 years ago

bcu

bcu Classic Credit Card credit card review

Overall rating   7 / 10

Fabulous

I found BCU customer service to be outstanding and a quick and pleasant experience setting up my credit card.

Full review

I found BCU customer service to be outstanding and a quick and pleasant experience setting up my credit card.

    Price   7 / 10

    Features   5 / 10

    Customer service   10 / 10

    Convenience   6 / 10

    Trust   7 / 10

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Breanna, New South Wales, reviewed over 2 years ago

bcu

bcu Classic Credit Card credit card review

Overall rating   10 / 10

A1

Nathan was excellent! Great service and well mannered.

Full review

Nathan was excellent! Great service and well mannered.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Fred, New South Wales, reviewed over 2 years ago

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What do you need to apply for a bcu credit card? What do you need to apply for a bcu credit card?

You can apply for a BCU credit card by filling out a quick form on their website. To do this, you’ll need details like:
Your personal contact details

  • Your financial details, including assets, debts, and income
  • Your monthly personal expenses (if you don’t know them, check out our budget calculator to crunch the numbers and find out how much you’re spending each month)

You’ll also have to be:

  • 18 or over
  • A permanent Australian resident
  • Free of outstanding defaults or bankruptcy

To find out more about applying for credit cards, check out our handy guide.

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