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% p.a. interest rate for purchases and 14.80% p.a. for cash advances, an annual fee of just $45 and worldwide access via the Visa network.
As the name suggests, the bcu is a classic no frills credit card. The low 11.80% p.a. 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.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.
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.
11.80% p.a.
none
No current offer
none
14.80% p.a.
55
$45.00
none
none
none
$0.00
$0
3.65%
$6.00
$24.00
$0.00
$10.00
3.0
yes
none
Apple Pay, Google Pay, Samsung Pay
BCU are the best in my eyes as they have helped when my card was hacked and money was spent on airfares in Spain and I don't have a passport. They are always polite and helpful and even though things are a little different since their joining with P & N I still find them the best in the business.
Read full reviewBCU are the best in my eyes as they have helped when my card was hacked and money was spent on airfares in Spain and I don't have a passport. They are always polite and helpful and even though things are a little different since their joining with P & N I still find them the best in the business.
They are so down to earth, honest, and I have complete trust in them.
Read full reviewThey are so down to earth, honest, and I have complete trust in them.
Kerrie was extremely helpful and so quick with the whole process. She explained everything very clearly and made the experience very pleasant!!
Read full reviewKerrie was extremely helpful and so quick with the whole process. She explained everything very clearly and made the experience very pleasant!!
First time balance transfer, Nathan was very helpful.
Read full reviewFirst time balance transfer, Nathan was very helpful.
Very happy with the service and WOW very fast response - thank you BCU
Read full reviewVery happy with the service and WOW very fast response - thank you 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
Bendigo Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 24 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
Bankwest
Breeze Mastercard
10.99% p.a.
0% p.a. for 26 months and then 10.99% p.a. (2.00% balance transfer fee)
$49 $0 in the first year
Westpac
Low Rate
13.74% p.a.
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
$59 $0 in the first year
Defence Bank
Foundation Credit Card
3.99% p.a. for 6 months then 8.99% p.a.
3.99% p.a. for 6 months and then 8.99% p.a.
$45
MoneyMe
Freestyle Virtual Mastercard
16.99% p.a.
No current offer
$209 Annual fee may vary.
American Express
Explorer Credit Card
20.74% p.a.
No current offer
$395
Membership Rewards
Westpac
Altitude Platinum
Altitude Rewards
$150 $99 in the first year
80,000
1 point uncapped
American Express
Qantas Discovery Card
Qantas Frequent Flyer
$0
No current offer
0.75 points uncapped
NAB
Qantas Rewards Signature Card
Qantas Frequent Flyer
$395 $295 in the first year
110,000
1 point up to $5,000/month, then
0.5 points up to $20,000/month
American Express
Velocity Escape Card
Velocity Frequent Flyer
$0
No current offer
0.75 points uncapped
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
Bendigo Bank
Low Rate Credit Card
0% p.a. for 24 months and then 11.99% p.a. (2.00% balance transfer fee)
11.99% p.a.
$45
Bankwest
Breeze Mastercard
0% p.a. for 26 months and then 10.99% p.a. (2.00% balance transfer fee)
10.99% p.a.
$49 $0 in the first year
Westpac
Low Rate
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
13.74% p.a.
$59 $0 in the first year
St.George
Amplify Platinum
0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee)
19.74% p.a.
$99
Amplify Rewards
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
Bank of Melbourne
Amplify Platinum
0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee)
19.74% p.a.
$99
Qantas Frequent Flyer
St.George
Amplify Signature
0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee)
19.74% p.a.
$279
Amplify Rewards
Bendigo Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 24 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
Bankwest
Breeze Mastercard
10.99% p.a.
0% p.a. for 26 months and then 10.99% p.a. (2.00% balance transfer fee)
$49 $0 in the first year
Defence Bank
Foundation Credit Card
3.99% p.a. for 6 months then 8.99% p.a.
3.99% p.a. for 6 months and then 8.99% p.a.
$45
Westpac
Low Rate
13.74% p.a.
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
$59 $0 in the first year
NAB
StraightUp Card
0% p.a.
No current offer
$120 $10/month - waived if no spend & no balance owing
Bankwest
Breeze Mastercard
10.99% p.a.
0% p.a. for 26 months and then 10.99% p.a. (2.00% balance transfer fee)
$49 $0 in the first year
Defence Bank
Foundation Credit Card
3.99% p.a. for 6 months then 8.99% p.a.
3.99% p.a. for 6 months and then 8.99% p.a.
$45
St.George
No Annual Fee
0% p.a. for 12 months then 20.74% p.a.
6.99% p.a. for 12 months and then 21.49% p.a.
$0
NAB
StraightUp Card
0% p.a.
No current offer
$120 $10/month - waived if no spend & no balance owing
BankSA
No Annual Fee
0% p.a. for 12 months then 20.74% p.a.
6.99% p.a. for 12 months and then 21.49% p.a.
$0
Bankwest
Breeze Platinum Mastercard
10.99% p.a.
0% p.a. for 26 months and then 10.99% p.a. (2.00% balance transfer fee)
$69 $0 in the first year
