bcu Classic Credit Card

11.80% p.a.

No current offer

$45

n/a

bcu Classic Credit Card

11.80% p.a.

No current offer

$45

n/a

Mozo Review   bcu Classic Credit Card Review

Last updated: 24 August 2018.

What's hot:
  • Low 11.80% interest rate

  • Up to 55 days interest free

  • Free additional cardholders

What's not:
  • No rewards program

Mozo snapshot:

If you’re after a credit card which has the basics and nothing more, the bcu Classic could fit the bill. It has a low 11.80% interest rate for purchases and 14.80% for cash advances, an annual fee of just $45 and worldwide access via the Visa network.

Key features:

As the name suggests, the bcu is a classic no frills credit card. The low 11.80% interest rate means you won’t have to pay through the nose in interest if you do occasionally carry a balance on your card.

The card has a standard 55 days interest free, which is good news, but in order to get this, you’ll need to pay your balance off in full each month.

You can make purchases in Australia and around the world and the card is chip enabled which means that you can just ‘tap and go’ for purchases under $100. You’ll need to use your pin for any purchases over this amount. Any international purchases will have a 3.65% foreign exchange margin added to the Australian dollar amount. This includes online purchases from international stores.

There isn’t a rewards program with the Classic card so if you’re looking to earn rewards head to the Mozo rewards cards section to compare all rewards cards.

While we always recommend that you set up automatic payments so that you never miss a credit card repayment, the good news is that the Classic card doesn’t charge a late fee if you forget to pay your bill on time.
Who it's good for:

The Classic credit card is a suitable credit card for anyone wanting a low cost credit card for everyday purchases. You’ll need to be 18 years of age, a permanent Australian resident or citizen and not have any outstanding defaults, judgements or be an undischarged bankrupt.

Any catches?

While there isn’t a late payment fee charged on the Classic card by bcu, be aware that any late payments will be noted on your credit history so it is best to always ensure you make the minimum repayment by the due date. The minimum repayment percent is 3% of the balance.

Details

Rates and fees information correct as at 24 January 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 11.80% p.a.

  • none

  • No current offer

  • none

  • 14.80% p.a.

  • 55

Fees
  • $45.00

  • none

  • none

  • none

  • $0.00

  • $0

  • 3.65%

  • $6.00

  • $24.00

  • $0.00

Features
  • $10.00

  • 3.0

  • yes

  • none

Customer Reviews

How are bcu credit cards rated by the Mozo community?

Overall customer rating
9.1/10
Price
8.7/10
Features
8.5/10
Customer service
9.5/10
Convenience
9.2/10
Trust
9.2/10

Latest reviews of bcu Classic Credit Card

  • Overall
    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...

    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

    Carly | New South Wales

    reviewed over 2 years ago

  • Overall
    10/10
    Smooth transfer from old to new

    First time balance transfer, Nathan was very helpful.

    First time balance transfer, Nathan was very helpful.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    -
    Trust
    10/10

    Kimberlie | Queensland

    reviewed over 2 years ago

  • Overall
    10/10
    Excellent service

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

    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

    Sonia | New South Wales

    reviewed over 2 years ago

  • Overall
    7/10
    Fabulous

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

    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

    Breanna | New South Wales

    reviewed over 2 years ago

  • Overall
    10/10
    A1

    Nathan was excellent! Great service and well mannered.

    Nathan was excellent! Great service and well mannered.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10

    Fred | New South Wales

    reviewed over 2 years ago

bcu

About bcu

BCU began in 1970 when a group of north coast banana growers pooled their resources, and formed a credit union. Since those humble beginnings BCU has grown to 54,000 members, and includes 21 stores from the Sunshine Coast to Port Macquarie, a call centre located in northern NSW and Telephone and Internet banking facilities. Profits are returned back to members through loyalty rebates, affordable loans, sponsorships and educational programs. Regardless of where you live in Australia, BCU has a wide range of personal finance options to simplify your banking, including credit cards, home loans, personal loans, savings and transaction accounts and term deposits.

See bcu credit cards

Promoted

Woolworths

Woolworths

Everyday Platinum Credit Card

0% p.a. for 14 months and then 21.99% p.a.

19.99% p.a.

$49 $0 in the first year

Promoted

Qantas Money

Qantas Money

Qantas Premier Platinum Credit Card

0% p.a. for 18 months and then 21.99% p.a.

19.99% p.a.

$299 $149 in the first year

Promoted

ANZ

ANZ

Frequent Flyer Black

No current offer

19.99% p.a.

$425

Promoted

Australian Military Bank

Australian Military Bank

Low Rate Visa Credit Card

0% p.a. for 12 months and then 11.99% p.a.

11.99% p.a.

$49

Promoted

ME

ME

frank Credit Card

No current offer

11.99% p.a.

$0

Promoted

American Express

American Express

Explorer Credit Card

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

20.74% p.a.

$395

Promoted

American Express

American Express

Velocity Escape Card

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

20.74% p.a.

$0

Promoted

Citi

Citi

Platinum

0% p.a. for 24 months and then 21.74% p.a. (1.50% balance transfer fee)

20.99% p.a.

$149 $49 in the first year

Promoted

Woolworths

Woolworths

Everyday Platinum Credit Card

1 point per dollar on Visa, uncapped

19.99% p.a.

$49 $0 in the first year

Promoted

Qantas Money

Qantas Money

Qantas Premier Platinum Credit Card

1 point per dollar on Mastercard, up to $10,000 per month, then
0.5 points per dollar on Mastercard, uncapped

19.99% p.a.

$299 $149 in the first year

Promoted

ANZ

ANZ

Frequent Flyer Black

1 point per dollar on Visa, up to $7,500 per month, then
0.5 points per dollar on Visa, uncapped

19.99% p.a.

$425

Promoted

American Express

American Express

Explorer Credit Card

2 points per dollar on Amex, uncapped

20.74% p.a.

$395

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Balance Transfer Offer

0.66 points per dollar on Visa, up to $1,500 per month, then
0.5 points per dollar on Visa, uncapped

20.74% p.a.

$129 $64 in the first year

Promoted

American Express

American Express

Velocity Escape Card

0.75 points per dollar on Amex, uncapped

20.74% p.a.

$0

Promoted

Coles

Coles

Rewards Mastercard

2 points per dollar on Mastercard, uncapped

19.99% p.a.

$99

Promoted

American Express

American Express

Qantas Ultimate Card

1.25 points per dollar on Amex, uncapped

20.74% p.a.

$450

Promoted

Woolworths

Woolworths

Everyday Platinum Credit Card

0% p.a. for 14 months and then 21.99% p.a.

$49 $0 in the first year

19.99% p.a.

Promoted

Qantas Money

Qantas Money

Qantas Premier Platinum Credit Card

0% p.a. for 18 months and then 21.99% p.a.

$299 $149 in the first year

19.99% p.a.

Promoted

American Express

American Express

Explorer Credit Card

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

$395

20.74% p.a.

Promoted

American Express

American Express

Essential Credit Card

0% p.a. for 12 months and then 14.99% p.a. (3.00% balance transfer fee)

$0

14.99% p.a.

Promoted

Citi

Citi

Platinum

0% p.a. for 24 months and then 21.74% p.a. (1.50% balance transfer fee)

$149 $49 in the first year

20.99% p.a.

Promoted

Bankwest

Bankwest

Breeze Platinum Mastercard

0% p.a. for 26 months and then 12.99% p.a. (2.00% balance transfer fee)

$99 $0 in the first year

0% p.a. for 6 months then 12.99% p.a.

Promoted

Citi

Citi

Clear Platinum

0% p.a. for 14 months and then 21.74% p.a.

$99 $0 in the first year

12.99% p.a.

Promoted

American Express

American Express

Velocity Escape Card

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

$0

20.74% p.a.

Promoted

ME

ME

frank Credit Card

11.99% p.a.

$0

No current offer

Promoted

ANZ

ANZ

Low Rate

12.49% p.a.

$58

0% p.a. for 15 months and then 21.74% p.a.

Promoted

Bankwest

Bankwest

Breeze Platinum Mastercard

0% p.a. for 6 months then 12.99% p.a.

$99 $0 in the first year

0% p.a. for 26 months and then 12.99% p.a. (2.00% balance transfer fee)

Promoted

American Express

American Express

Essential Credit Card

14.99% p.a.

$0

0% p.a. for 12 months and then 14.99% p.a. (3.00% balance transfer fee)

Promoted

Bendigo Bank

Bendigo Bank

Low Rate Mastercard

11.99% p.a.

$45 $0 in the first year

No current offer

Promoted

Latitude

Latitude

Low Rate Mastercard

11.99% p.a.

$69

No current offer

Promoted

Citi

Citi

Clear Platinum

12.99% p.a.

$99 $0 in the first year

0% p.a. for 14 months and then 21.74% p.a.

Promoted

Coles

Coles

Low Rate Mastercard

12.99% p.a.

$58

0% p.a. for 6 months and then 19.99% p.a.

Promoted

Bankwest

Bankwest

Breeze Platinum Mastercard

0% p.a. for 6 months then 12.99% p.a.

0% p.a. for 26 months and then 12.99% p.a. (2.00% balance transfer fee)

$99 $0 in the first year

Promoted

NAB

NAB

Low Rate Platinum Card

0% p.a. for 9 months then 13.99% p.a.

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

$100

Promoted

Bankwest

Bankwest

Breeze Mastercard

0% p.a. for 6 months then 12.99% p.a.

0% p.a. for 26 months and then 12.99% p.a. (2.00% balance transfer fee)

$79 $0 in the first year

Promoted

NAB

NAB

Low Rate Card

0% p.a. for 6 months then 13.99% p.a.

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

$59

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

0% p.a. for 14 months then 20.74% p.a.

0% p.a. for 6 months and then 20.99% p.a.

$129