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BDCU Visa Credit Card

Pay the same interest rate for purchases, balance transfers and cash advances with the BDCU Alliance Bank Visa credit card.

The BDCU Alliance Bank Visa credit card offers an introductory interest rate of of 7.99% for the first 6 months, then a variable rate of 12.49% p.a. for all your transactions. It also has a competitive annual fee of $45

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12.49% p.a.

Balance transfer rate

7.99% p.a.

Purchase rate

for the first 6 months (reverts to 12.49% p.a.)

$45 p.a.

Annual fee

55 days

Interest free period

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Product NameBDCU Visa Credit Card
Balance transfer rate p.a.12.49%
Purchase rate p.a.7.99% for 6 months, reverts to 12.49%
Annual fee$45
Interest-free periodUp to 55 days on purchases
Cash advance rate12.49% p.a.
Min credit limit$1,000
Card typeVisa
Foreign currency conversion fee3%
Available to temporary residentsNo
Joint applicationNo


  • Purchase rate offer of 7.99% for 6 months
  • A low rate of 12.49% p.a. on purchases


  • No rewards program or travel insurance
Bonus pointsN/A
Annual fee$45
Minimum monthly repayment3% of the closing balance or $25, whichever is greater
Late payment fee$25
Foreign currency conversion fee3%
Overseas ATM withdrawal fee$5

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 BDCU Alliance Bank Visa is a low-cost credit card that offers the same interest rate for all your purchases and cash advance transactions. In comparison, most other cards charge different rates for these types of transactions.

How to apply

You can apply for the BDCU Alliance Bank Visa credit card online by filling in a secure application form. To get started, make sure you meet the eligibility requirements and have all the required documents and details.

Eligibility criteria

  • Age. You must be 18 years of age or older to apply for this low rate credit card.
  • Residency. You must be an Australian citizen or permanent resident of Australia.

Card benefits

  • Low interest rates. Purchases accrue interest at the promotional introductory rate of 7.99% for the first 6 months. At the end of the introductory period, account balances will accrue interest at the rate of 12.49% p.a. (variable).
  • Mobile wallets. You can link your BDCU Visa card to your Apple Pay, Samsung Pay or Google Pay account to make payments straight from your smartphone or other compatible device.

Rates & fees

  • Low annual fee. The BDCU Alliance Bank Visa credit card has a competitive annual fee of $45.
  • Up to 55 days interest free. Pay your account in full by the statement due date and you get up to 55 days interest free on new purchases. Note that cash advance transactions are not eligible for interest free days and interest free days do not apply if you're carrying a balance from a balance transfer.

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