Thumbnail icon for bcu

bcu Classic Credit Card

Purchase rate
11.80% p.a.
Balance transfer rate
No current offer
Annual fees
$45
Interest free days on purchases
55

Mozo editorial review bcu Classic Credit Card

Last updated: 24 August 2018.

binocular icon
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 icon
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.
snapshot
Who is it 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.

snapshot
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 29 September 2020 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
9.1/10
Price
8.7/10
Features
8.5/10
Customer service
9.5/10
Convenience
9.1/10
Trust
9.3/10

Latest reviews of bcu Classic Credit Card

  • Overall 8/10
    Great service

    I believe BCU offers a great service on their credit cards as last year when mine was hacked for approx $1000 after failing to recover the money they reimbursed me anyway. A great service which I can not fault.

    Read full review

    I believe BCU offers a great service on their credit cards as last year when mine was hacked for approx $1000 after failing to recover the money they reimbursed me anyway. A great service which I can not fault.

    Price
    8/10
    Features
    7/10
    Customer service
    10/10
    Convenience
    9/10
    Trust
    10/10
    Less
    Ronald, New South Wales reviewed about 1 month ago
  • Overall 10/10
    Honest

    They are so down to earth, honest, and I have complete trust in them.

    Read full review

    They are so down to earth, honest, and I have complete trust in them.

    Price
    7/10
    Features
    7/10
    Customer service
    10/10
    Convenience
    8/10
    Trust
    10/10
    Less
    Elisabeth, New South Wales reviewed 11 months ago
  • 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 clearly and made the experience very pleasant!!

    Read 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
    Less
    Carly, New South Wales reviewed over 4 years ago
  • Overall 10/10
    Smooth transfer from old to new

    First time balance transfer, Nathan was very helpful.

    Read full review

    First time balance transfer, Nathan was very helpful.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    -
    Trust
    10/10
    Less
    Kimberlie, Queensland reviewed over 4 years ago
  • Overall 10/10
    Excellent service

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

    Read 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 4 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, plus telephone and Internet banking facilities. bcu is now a division of Police & Nurses Limited after a 2019 merger. 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

St.George

St.George

Vertigo

0% p.a. for 7 months then 13.99% p.a.

0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)

$55 $0 in the first year

Promoted

Bankwest

Bankwest

Zero Platinum Mastercard

17.99% p.a.

2.99% p.a. for 9 months and then 17.99% p.a.

$0

Promoted

Westpac

Westpac

Low Rate

13.74% p.a.

0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)

$59

Promoted

American Express

American Express

Qantas Discovery Card

20.74% p.a.

No current offer

$0

Qantas Frequent Flyer

Promoted

Bankwest

Bankwest

Breeze Mastercard

0% p.a. for 15 months then 10.99% p.a.

2.99% p.a. for 9 months and then 10.99% p.a. (0% balance transfer fee)

$49

Promoted

Bank of Melbourne

Bank of Melbourne

Vertigo

0% p.a. for 7 months then 13.99% p.a.

0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)

$55 $0 in the first year

Promoted

St.George

St.George

No Annual Fee

20.74% p.a.

0% p.a. for 12 months and then 21.49% p.a. (1.00% balance transfer fee)

$0

Promoted

NAB

NAB

Low Rate Card

12.99% p.a.

0% p.a. for 20 months and then 21.74% p.a. (2.00% balance transfer fee)

$59

Promoted

American Express

American Express

Qantas Discovery Card

Qantas Frequent Flyer

$0

No current offer

0.75 points uncapped

Promoted

St.George

St.George

Amplify Platinum

Qantas Frequent Flyer

$99

60,000

0.5 points uncapped

Promoted

NAB

NAB

Rewards Platinum Card

NAB Rewards

$195

60,000

1 point uncapped

Promoted

Westpac

Westpac

Altitude Platinum

Qantas Frequent Flyer

$200 $99 in the first year

60,000

0.5 points uncapped

Promoted

NAB

NAB

Qantas Rewards Premium Card

Qantas Frequent Flyer

$250

30,000

0.66 points up to $3,000/month, then
0.33 points up to $6,000/month

Promoted

Westpac

Westpac

Altitude Black

Altitude Rewards

$250

150,000

1.25 points uncapped

Promoted

American Express

American Express

Qantas Ultimate Card

Qantas Frequent Flyer

$450

55,000

1.25 points uncapped

Promoted

Bankwest

Bankwest

More Platinum Mastercard

Bankwest More Rewards

$160

75,000

2 points up to 400,000 points/year

Promoted

St.George

St.George

Vertigo

0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)

0% p.a. for 7 months then 13.99% p.a.

$55 $0 in the first year

Promoted

Bankwest

Bankwest

Zero Platinum Mastercard

2.99% p.a. for 9 months and then 17.99% p.a.

17.99% p.a.

$0

Promoted

Westpac

Westpac

Low Rate

0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)

13.74% p.a.

$59

Promoted

Bank of Melbourne

Bank of Melbourne

Vertigo

0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)

0% p.a. for 7 months then 13.99% p.a.

$55 $0 in the first year

Promoted

Citi

Citi

Clear Credit Card

0.90% p.a. for 15 months and then 22.24% p.a.

0.90% p.a. for 15 months then 14.99% p.a.

$99

Promoted

NAB

NAB

Low Rate Card

0% p.a. for 20 months and then 21.74% p.a. (2.00% balance transfer fee)

12.99% p.a.

$59

Promoted

St.George

St.George

No Annual Fee

0% p.a. for 12 months and then 21.49% p.a. (1.00% balance transfer fee)

20.74% p.a.

$0

Promoted

St.George

St.George

Vertigo

0% p.a. for 7 months then 13.99% p.a.

0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)

$55 $0 in the first year

Promoted

Westpac

Westpac

Low Rate

13.74% p.a.

0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)

$59

Promoted

Citi

Citi

Clear Credit Card

0.90% p.a. for 15 months then 14.99% p.a.

0.90% p.a. for 15 months and then 22.24% p.a.

$99

Promoted

NAB

NAB

StraightUp Card

0% p.a.

No current offer

$120 $10/month - waived if no spend & no balance owing

Promoted

Bank of Melbourne

Bank of Melbourne

Vertigo

0% p.a. for 7 months then 13.99% p.a.

0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)

$55 $0 in the first year

Promoted

Bankwest

Bankwest

Breeze Mastercard

0% p.a. for 15 months then 10.99% p.a.

2.99% p.a. for 9 months and then 10.99% p.a. (0% balance transfer fee)

$49

Promoted

St.George

St.George

Vertigo Platinum

0% p.a. for 15 months then 12.99% p.a.

6.99% p.a. for 12 months and then 21.49% p.a.

$99 $49 in the first year

Promoted

BankSA

BankSA

Vertigo

0% p.a. for 7 months then 13.99% p.a.

0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)

$55 $0 in the first year

Promoted

St.George

St.George

Vertigo

0% p.a. for 7 months then 13.99% p.a.

0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)

$55 $0 in the first year

Promoted

Bankwest

Bankwest

Breeze Mastercard

0% p.a. for 15 months then 10.99% p.a.

2.99% p.a. for 9 months and then 10.99% p.a. (0% balance transfer fee)

$49

Promoted

Bank of Melbourne

Bank of Melbourne

Vertigo

0% p.a. for 7 months then 13.99% p.a.

0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)

$55 $0 in the first year

Promoted

St.George

St.George

Vertigo Platinum

0% p.a. for 15 months then 12.99% p.a.

6.99% p.a. for 12 months and then 21.49% p.a.

$99 $49 in the first year

Promoted

Bankwest

Bankwest

Breeze Platinum Mastercard

0% p.a. for 15 months then 10.99% p.a.

2.99% p.a. for 9 months and then 10.99% p.a. (0% balance transfer fee)

$69

Promoted

Citi

Citi

Clear Credit Card

0.90% p.a. for 15 months then 14.99% p.a.

0.90% p.a. for 15 months and then 22.24% p.a.

$99

Promoted

NAB

NAB

StraightUp Card

0% p.a.

No current offer

$120 $10/month - waived if no spend & no balance owing

Promoted

BankSA

BankSA

Vertigo

0% p.a. for 7 months then 13.99% p.a.

0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)

$55 $0 in the first year