BCU Bank credit cards

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.

Your bcu credit card comes with an annual fee, as well as a cash advance and a foreign exchange fee. You should also keep an eye out for late fees, as with any other credit card.

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.

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.

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.

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.

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.

While credit card fraud is something you should be aware of, your money is generally pretty safe, thanks to banks' 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.