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 11.95% 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 11.95% 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.
There is a $5 late payment fee and any late payments will be noted on your credit history so it is best to ensure you make the minimum repayment by the due date. The minimum repayment percent is 3% of the balance.
11.95% p.a. |
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none |
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No current offer |
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none |
|
14.80% p.a. |
|
55 |
$45.00 |
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none |
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none |
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none |
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$5.00 |
|
$0 |
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3.65% |
|
$6.00 |
|
$24.00 |
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$0.00 |
$10.00 |
|
3.0 |
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yes |
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none |
Apple Pay, Google Wallet, 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
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60,000
1.25 points up to 100,000 points/year, then
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50,000
1 point up to 20,000 points/month
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70,000
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Qantas Premium Card
Qantas Frequent Flyer
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Rewards Signature Card
NAB Rewards
$295 $145 in the first year
160,000
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$0
No current offer
0.75 points uncapped
Velocity Escape Card
Velocity Frequent Flyer
$0
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0.75 points uncapped
Qantas Rewards Signature Card
Qantas Frequent Flyer
$395 $295 in the first year
120,000
1 point up to $5,000/month, then
0.5 points up to $20,000/month
Low Rate Card
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
13.49% p.a.
$59 $0 in the first year
Premier Credit Card
0% p.a. for 6 months and then 22.24% p.a.
21.49% p.a.
$300 $150 in the subsequent years if you spend $48,000 on eligible purchases or cash advances in previous year., $150 in the first year
Citi Rewards Program
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20.74% p.a.
$149 $0 in the first year
Velocity Frequent Flyer
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0% p.a. for 6 months and then 19.99% p.a. (1.00% balance transfer fee)
19.99% p.a.
$100
Bankwest More Rewards
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13.49% p.a.
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12.99% p.a.
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$99
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9.90% p.a.
No current offer
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8.99% p.a.
0% p.a. for 6 months and then 8.99% p.a.
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9.90% p.a.
No current offer
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No current offer
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StraightUp Card
n/a
No current offer
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n0w Credit Card
n/a
No current offer
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Platinum Mastercard
0% p.a. for 3 months then 25.80% p.a.
No current offer
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