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bcu Classic Credit Card

Save on credit card costs with up to 55 interest-free days and a low interest rate on the bcu Classic Credit Card.

The bcu Classic Credit Card provides affordable access to credit, with a low variable interest rate for both purchases and cash advances. It also offers worldwide acceptance through the Visa network, interest-free days on purchases and charges a $45 annual fee.

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11.8% p.a.

Purchase rate

$45 p.a.

Annual fee

55 days

Interest free period

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Product Namebcu Classic Credit Card
Purchase rate p.a.11.8%
Annual fee$45
Interest-free periodUp to 55 days on purchases
Cash advance rate14.8% p.a.
Min credit limit$500
Max credit limit$20,000
Card typeVisa
Foreign currency conversion fee3.65%
Available to temporary residentsNo
Joint applicationNo


  • A low variable interest rate of 11.8% p.a. on purchases
  • Up to 55 days interest-free on purchases
  • Comes with 24-hour fraud monitoring
  • No late payment fee


  • Charges a 3.65% foreign transaction fee
Bonus pointsN/A
Annual fee$45
Minimum monthly repayment3% of the closing balance or $10, whichever is greater
Late payment fee$5
Foreign currency conversion fee3.65%
Overseas ATM withdrawal fee$1
Additional cardholder fee$0
Number of additional cardholders2

Review by

Sally McMullen is a creative content producer at Finder. Sally has written about credit cards for almost 5 years, authoring almost 900 articles on Finder alone. She has also been published in Yahoo Finance, Dynamic Business, Financy and Mamamia, as well as Music Feeds and Rolling Stone. Sally has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.

Expert review

The bcu Classic Credit Card is a no frills credit card that is designed to keep your costs low. If you regularly carry a balance from month to month, the 11.8% purchase rate could help you reduce interest charges compared to other cards. If you tend to pay your balance off each month, you can take advantage of up to 55 interest-free days on purchases. You’ll also pay a low interest rate on cash advances, which could help you cut costs if you regularly use your card to withdraw cash.

How to apply

You can apply for the bcu Classic credit card online and receive approval in as little as 30 minutes. Before you start the application, check if you meet the eligibility requirements and that you have the necessary information to complete the application.

Eligibility criteria

  • Age. You must be at least 18 years of age.
  • Residency. You can only apply if you're an Australian citizen or permanent resident.

Card benefits

  • Competitive interest rates. This card has a low interest rate of 11.8% p.a. on purchases and 14.8% p.a. on cash advances.
  • Security. Your online purchases will be protected by an additional layer of security thanks to Verified by Visa. To keep your account safe from unauthorised transactions, bcu uses 24-hour fraud monitoring services to detect suspicious activity and minimise losses.

Rates & fees

  • Annual fee. This card charges a $45 annual fee.
  • Up to 55 interest-free days. When you pay your balance in full by the statement due date, you can take advantage of up to 55 interest-free days on new purchases.

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