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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.
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12.8% p.a.
Purchase rate
$89 p.a.
Annual fee
55 days
Interest free period
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Details
| Product Name | bcu Rewards credit card |
|---|---|
| Purchase rate | 12.8% p.a. |
| Annual fee | $89 |
| Interest-free period | Up to 55 days on purchases |
| Cash advance rate | 14.8% p.a. |
| Min credit limit | $500 |
| Max credit limit | $20,000 |
| Card type | Visa |
| Foreign currency conversion fee | 3.65% |
| Available to temporary residents | No |
|---|---|
| Joint application | Yes |
Pros
- 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.
Cons
- Charges a 3.65% foreign transaction fee
| Bonus points | N/A |
|---|
| Annual fee | $89 |
|---|---|
| Minimum monthly repayment | 3% of the closing balance or $10, whichever is greater |
| Late payment fee | $0 |
| Foreign currency conversion fee | 3.65% |
| Overseas ATM withdrawal fee | $1 |
| Additional cardholder fee | $0 |
| Number of additional cardholders | 1 |
Review by
Sally McMullen
sally.mcmullen@finder.com.auSally 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.
