BCU Credit Cards
Compare BCU credit cards with features including low rates, cashback rewards and worldwide acceptance through the Visa network.
![BCU BCU](https://www.finder.com.au/niche-builder/642bb50e20c1b.png)
BCU is a member-owned bank based on the mid-north coast of NSW, with some branches in south-east Queensland. It offers 2 credit cards, with a choice of simple, low-cost features or rewards.
The BCU Classic Credit Card has a 11.95% p.a. interest rate for purchases, which is very competitive with other low rate credit cards. It also offers a relatively low $45 annual fee and up to 55 interest-free days on purchases.
The BCU Rewards Credit Card is one of the few cards on the market that earns an ongoing rate of cashback. It offers 0.66% back on each $1 spent on eligible transactions, up to a total of $500 per year. Its 13.05% p.a. interest rate for purchases and $89 annual fee are also relatively low for rewards cards.
BCU credit cards can be added to your digital wallet with Apple Pay, Google Pay and Samsung Pay so you can pay straight from your mobile phone or device.
You can use BCU credit cards around the world, anywhere Visa is accepted. When you're shopping online, you'll get added security through Visa Secure, as well as Visa Zero Liability for fraudulent transactions. You'll also get access to deals on travel, shopping, dining and entertainment through Visa Offers + Perks.
The BCU Rewards Credit Card offers an ongoing rate of 0.66% cashback for your everyday spending. This means you know the exact dollar value of your rewards. As an example, every $1,000 you spend would get you $6.60 back. In comparison, most credit card reward programs offer points per $1, with the value varying based on what you redeem with your points.
As well as branch and phone banking, BCU offers internet banking and a mobile app so you can view your account details, temporarily lock card, make payments and manage other details from anywhere.
If your card is lost or stolen, you can cancel it and set up a new, virtual card in moments through the BCU app.
You can apply for a BCU credit card online by submitting an enquiry. You can also call BCU on 1300 228 228 or visit a branch. Before you apply, make sure you meet the eligibility requirements and have all the documents and details needed for the application.
After you submit your application and details, BCU will assess it and contact you if further information is needed. If you have any questions about the application, contact BCU on 1300 228 228 or visit a branch.
If you’re not a BCU member, you’ll also have to complete an identity verification process before you receive your card. To complete this process, you may have to visit a BCU branch and provide identification documents such as your driver's licence, birth certificate or passport.
If you want a credit card from a regional or member-owned bank, here are 3 other credit card providers you could compare with BCU:
Want to compare a wider range of credit cards? Check out the latest offers for rewards, balance transfers, low rates and more.
Passport prices have jumped how many times in 7 months?
Credit cards and buy now pay later services are common ways to pay, but you should think twice if you're planning on buying a home any time soon.
Some parents are contributing generously towards their children’s wedding festivities, according to new research by Finder.
A list of insurers who can provide cover for accidental death and total and permanent disability.
A list of life insurance policies with TPD included in the policy or available as an optional extra.
A list of life insurance policies that will cover you for accidental death so you can live, laugh, love your way through the rest of your days.
They're gaslighting me on my gas bill! But at least it's an easy fix.
Save up to $168 by switching to a 365-day mobile plan.
We analysed 60+ pet insurance policies and spent 80+ hours researching the best plans (we reeeeally love our pets!). These are the top dogs.
This supermarket gift card hack can earn you points while you buy a new phone.
Do you have a balance transfer for other credit cards.
Hi Gary,
bcu doesn’t currently have any balance transfer offers. According to the credit card terms and conditions on the bcu website, it may allow you to request a balance transfer from a credit card held with a different financial institution. You can call bcu on 1300 228 228 to check if this is possible.
Alternatively, you can compare other credit cards that offer 0% interest on balance transfers for up to 32 months. I hope that helps.