bcu Rewards credit card

Get cashback as you spend and save with a low interest rate on purchases with the bcu Rewards credit card.

This credit card combines rewards with low rates, offering 0.66% cashback per $1 spent on eligible purchases and a standard variable purchase rate of 12.8% p.a. It also gives you access to Visa contactless payment technology and up to 55 days interest-free on purchases when you pay your balance in full by the due date on your statements.

12.8% p.a.

Purchase rate

$89 p.a.

Annual fee

55 days

Interest free period

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!


Product Namebcu Rewards credit card
Purchase rate12.8% p.a.
Annual fee$89
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 applicationYes


  • Get 0.66% cashback per $1 spent on eligible transactions.
  • Enjoy a low standard variable interest rate of 12.8% p.a. on purchases.
  • Receive up to 55 days interest-free on purchases.
  • This card comes with 24-hour fraud monitoring.


  • Charges a 3.65% foreign transaction fee
Bonus pointsN/A
Annual fee$89
Minimum monthly repayment3% of the closing balance or $10, whichever is greater
Late payment fee$0
Foreign currency conversion fee3.65%
Overseas ATM withdrawal fee$1
Additional cardholder fee$0
Number of additional cardholders1

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 Rewards credit card features a relatively competitive cashback offer with the bonus of a low interest rate. The cap on the maximum cashback you can get is higher than some others on the market. It does a higher annual fee than some of the other cashback credit cards on the market though, so it’s worth comparing the costs with the rewards before you want to apply. Although the low purchase interest rate could help you save, you should aim to pay your balance in full each month and take advantage of the interest-free days on purchases.

How to apply

You can apply for the bcu Rewards credit card in-store at a bcu branch. Check if you meet the eligibility criteria and have the information to complete the application before you get started.

Eligibility criteria

  • Age. You must be at least 18 years old to apply.
  • Residency. This card is only available to permanent Australian residents or citizens.

Card benefits

  • Cashback rewards. Enjoy a cashback rate of 0.66% per $1 spent on eligible purchases (capped at $500 cashback per year). Eligible purchases include most personal, household and consumer purchases but exclude transactions such as cash advances, BPAY, fees and charges, balance transfers or transactions for business purposes.
  • Purchase rate. The bcu Rewards card charges a low standard variable purchase rate of 12.8% p.a.

Rates & fees

  • Interest-free days. Save with up to 55 days interest-free on your purchases when you pay your account balance in full by the due date on each statement.
  • Annual fee. This card charges an annual fee of $89.

Ask an expert

To ask a question simply log in via your email or create an account.

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.
Go to site