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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Sally McMullen

Last Updated Jul 13, 2020

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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Details

Product Name	BDCU 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 period	Up to 55 days on purchases
Cash advance rate	12.49% p.a.
Min credit limit	$1,000
Card type	Visa
Foreign currency conversion fee	3%

Available to temporary residents	No
Joint application	No

Pros

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

Cons

No rewards program or travel insurance

Bonus points	N/A

Annual fee	$45
Minimum monthly repayment	3% of the closing balance or $25, whichever is greater
Late payment fee	$25
Foreign currency conversion fee	3%
Overseas ATM withdrawal fee	$5

Review by

Sally McMullen

sally.mcmullen@finder.com.au

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.

This card has an introductory rate of 7.99% and a variable interest rate of 12.49% p.a. which applies after the first 6 months. While both of these rates are competitive with other low rate cards, keep in mind that some credit cards offer 0% p.a. introductory interest rates for purchases and balance transfers – so make sure you compare a few options before choosing a card that fits your goals.

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.

Income. You must be able to service the minimum credit limit.

Required documents

Identification. You must verify your identity to complete your application for the BDCU Alliance Bank Visa credit card and for credit union membership. You can verify your identity online by entering your driver's licence number or passport number. Contact BDCU directly if you don't have photo identification.
Financials. Enter your employment details, including your employer's contact information. You may be required to provide payslips to verify your income, or your last two tax returns if you're self employed. You will also need to list any income from assets, your monthly expenses and any liabilities.

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.

Visa benefits. This low rate credit card can be used at merchants and ATMs all over the world. Visa also guarantees you'll get a full refund if unauthorised purchases are detected on your account.
Internet banking. View your available credit, recent transactions and statement information by registering your credit card for BDCU Internet banking.

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.

Credit limit. The minimum credit limit is only 3% of the total transaction amount.

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