BCU Credit Cards
Compare BCU credit cards with features including low rates, cashback rewards and worldwide acceptance through the Visa network.
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.
BCU Credit Cards
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Types of credit cards from BCU
Low rate credit card
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.
Reward credit cards
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.
Benefits you can get with a BCU credit card
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.
Cashback rewards program
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.
Instant, virtual replacement cards
If your card is lost or stolen, you can cancel it and set up a new, virtual card in moments through the BCU app.
How to apply
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.
- Age. You must be at least 18 years old.
- Australian residency. You must be an Australian citizen or a permanent resident of Australia.
- Credit history. You should have a clear credit history with no defaults or bankruptcy.
Documents and details
- Personal information. This includes your complete name, residential address, email address, phone number, driver's licence number and the number of people dependent on you.
- Employment details. You'll need to provide your employment status, occupation, and your employer’s contact details. You may also be asked to provide supporting documentation such as recent payslips.
- Financial details. This covers your expenses, liabilities and assets. You also need to estimate your share of regular household expenses.
- Additional cardholder. You have the option of requesting an additional cardholder for your account. If you want to share your credit card account with a spouse or family member, you will have to provide their full name, email address and contact number. Note that you will still be responsible for all transactions on the account.
What happens after you apply?
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.
Credit card brands similar to BCU
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:
Frequently asked questions
Contact details and related links
Want to compare a wider range of credit cards? Check out the latest offers for rewards, balance transfers, low rates and more.
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