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 22 September 2018.

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 23 branches from Port Macquarie to Beaudesert, 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