Bankstown City Credit Union Credit Cards

BCCU-Bank

BCCU offers two credit cards that find global acceptance and both come with their own share of benefits.

The Bankstown City Credit Union (BCCU) began operations in 1965 to cater to staff of the Bankstown City Council. As with other credit unions, BCCU does not have shareholders, so all the profits earned go towards offering members lower fees, better interest rates, personalised service and improved products. The array of financial products and services BCCU offers include home and personal loans, savings and investment accounts, insurance solutions, financial planning advice, and not to forget, credit cards.

Types of credit cards that BCCU offers

BCCU, in conjunction with Mastercard, give you the option to choose between two types of credit cards. Both of these cards let you make purchases in the physical world, the online world and over the phone.

Important Information

The Bankstown City Credit Union Low Rate Mastercard is no longer available for new applications. However, we've kept the information online for the benefit of existing customers and for those who are interested.

You can compare the current range of Credit Union credit cards here.

  • Low rate credit card

    A low rate credit card gives you the ability to access funds as and when you need them, and it typically attracts a low interest rate when compared to rewards, platinum, or premium credit cards. The BCCU Low Rate credit card, in addition to offering a low interest rate, also gives you the ability to get up to 55 interest-free days on purchases. If you apply before a certain date, you can keep paying a discounted annual fee for the life of the card. Applying before this date also lets you take advantage of a special introductory rate for balance transfers.

Learn more about Low Rate Credit Cards

Important Information

The Bankstown City Credit Union Platinum Mastercard is no longer available for new applications. However, we've kept the information online for the benefit of existing customers and for those who are interested.

You can compare the current range of Credit Union credit cards here.

  • Platinum credit card

    If you’re looking for a credit card that offers complimentary insurance covers and access as well as round-the-clock concierge service, a platinum card might be an option for you. The MyCard Platinum Mastercard that BCCU offers delivers on both counts, and it also gives cardholders the means to earn reward points when the make purchases. As with the low rate card, you can keep paying a discounted annual fee for the life of this card as long as you apply before the given date.

Learn more about Platinum Credit Cards

Benefits of banking with BCCU

Certain benefits that BCCU cards come with definitely deserve your attention. Here are some of the details to know:

  • Complimentary insurance covers

    The MyCard Platinum Mastercard offers cardholders complimentary international travel insurance, purchase cover insurance, interstate flight inconvenience insurance, transit accident insurance and protection through the guaranteed pricing scheme. Low Rate cardholders receive complimentary covers through purchase cover insurance and a guaranteed pricing scheme.

  • Earn rewards

    If you have the MyCard Platinum Mastercard you stand to earn 1.25 reward points for every dollar you spend when making eligible purchases. You can redeem your reward points for travel tickets or holidays, to buy merchandise, or in the form of cashback.

  • Platinum concierge service

    As a MyCard Platinum Mastercard cardholder, you can access the platinum concierge service to book movie or show tickets or to book tables at restaurants just about anywhere in the world.

  • Personal service

    BCCU takes pride in the level of service it offers, which includes providing information, assistance, and customer care. You can get in touch with a BCCU representative by visiting their branch or speak to one over the phone. In certain situations, you can even expect a mobile lender to visit you.

  • Balance transfers

    Both BCCU credit cards come with special introductory rates for balance transfers, so you can think about transferring balances from existing credit cards that attract high interest rates to your new card. The BCCU Low Rate credit card offers a discounted balance transfer rate that stays in place for 9 months, whereas the MyCard Platinum Mastercard offers a 0% p.a. rate for balance transfers that stays in place for 14 months. In both cases, any outstanding balance at the end of the introductory period starts attracting the card’s cash advance rate.

Frequently Asked Questions

People who wish to apply for BCCU credit cards often have questions, and here are answers to ones that are commonly asked.

If you begin the application with all the required information at hand, it should take around 10 minutes.

To find out about the status of your application all you have to do is call the BCCU contact centre.

You can make payments via electronic funds transfer through an Australian bank account. Alternatively, you can mail in a cheque or make payments via BPAY.

Yes, over time you can apply for an increase in your credit limit, but you have to satisfy BCCU’s credit criteria for approval.

Yes, both BCCU credit cards allow you to add up to four additional cardholders to your account, free of charge.

No, when you get the MyCard Platinum Mastercard, you get free membership to the Card Services Rewards Program.

You earn reward points when you make eligible purchases using your MyCard Platinum Mastercard, and you earn 1.25 points for every dollar you spend. You don’t earn reward points for cash advances or balance transfers.

You redeem your reward points through the Card Services website. You can use your reward points to book flight tickets, use them for cashback, or choose from a wide range of merchandise and vouchers.

No, your reward points don’t expire as long as you credit card account remains active and in good standing.

Yes, your MyCard Platinum Mastercard allows you to earn no more than 100,000 reward points in any 12-month period, which begins from the date you enrol in the program.

You can find this out by visiting the Card Services website, by calling BCCY directly, or by referring to your credit card statement.

The primary and the first additional cardholder have the authority to redeem reward points. In addition, you can give permission so other cardholders can also redeem these points.

If you wish to report a lost or stolen card, call BCCU as soon as possible.

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