From competitive interest rates to low annual fees and rewards, bcu credit cards provide a range of features to suit your needs.
Based on the mid-north coast of NSW, bcu has a network that stretches from Queensland's Sunshine Coast in the north to Port Macquarie in the south. As well as credit cards, it offers a variety of financial services and products for individuals, businesses, kids, students, households, retirees and community groups.
bcu Credit Cards
Types of credit cards that bcu offers
You can choose from the following bcu credit card options:
Low rate credit cards
The bcu classic credit card is designed to provide affordable access to credit, with a low standard variable interest rate for purchases and cash advances. It has a competitive annual fee and offers up to 55 interest-free days on purchases.
Learn more about Low Rate credit cards
Reward credit cards
The bcu Rewards credit card gives you 0.66% cashback per $1 spent on eligible purchases, up to $500 per year. This card also features a competitive standard variable purchase rate of 12.8% p.a. and an annual fee of $89.
Benefits of bcu credit cards
bcu credit cards provide the following benefits:
Unique rewards program
Easy access to money
- You must be at least 18 years old.
- You must be an Australian citizen or a permanent resident of Australia.
- You must not have any outstanding defaults or judgements on your credit file or be an un-discharged bankrupt.
- 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. This includes your employment status, occupation, and your employer’s name, phone number, and address.
- Financial details. You will be required to provide information about tou income, expenses, liabilities, and assets. This includes any shares and assets (such as a home or savings), rent and living expenses as well as any other loans or credit cards you have.
- 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.
The bcu Rewards credit card allows you to get cashback for your everyday spending. This means you know the exact dollar value of your rewards. In comparison, most other credit card reward programs offer points per $1, with the value varying based on what you redeem with your points.
You can use a bcu credit card for spending in-person, online or over the phone, anywhere Visa is accepted. You can also use your card to withdraw money from ATMs in Australia and overseas.
Both bcu credit cards come with Visa payWave technology. This allows you to make contactless transactions at participating merchants with no need for a PIN when you spend less than $100. Visa also offers zero liability insurance against fraud, and additional security for online shopping through the Verified by Visa service.
How to apply for a bcu credit card?
You can apply for a bcu credit card over the phone, by visiting a branch, or online. To complete an online application, simply click on the "Go to Site" button next to the credit card you want. Before you begin the application process, make sure you meet the following eligibility requirements.
If you meet the application criteria above, you can start the application process. You'll need to provide the following information:
What happens after you apply?
After you submit a completed application online, bcu will assess your application. If you submit it within NSW business hours, Monday to Friday, you could get a response on the same day. A bcu representative will get in touch if any additional information is required to complete the application.
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.
Frequently asked questions
Here are answers to some of the most common questions about bcu credit cards. If there’s something else you want to find out about these cards, feel free to ask by using the form at the bottom of this page.
How long does it take to complete the online application?
If you keep all the required information close at hand, the application should take around 10–15 minutes to complete.
Do these cards charge ongoing account keeping fees?
Both cards charge an annual account fee, but you don’t have to pay any monthly fees.
Do I have to pay a fee to join the rewards program?
No. When you get your bcu Rewards credit card, you also get enrolment in the cashback rewards program at no extra cost.
How do I earn rewards?
With the bcu Rewards credit card, you automatically earn 0.66% cashback per $1 spent on eligible purchases made with the card. Eligible purchases are any purchase transactions you make for personal, household or consumer purposes. Please note that you will not receive cashback for transactions such as cash advances, BPAY, fees, interest, balance transfers or payments you make for business purposes.
How can I find out how much cashback I have?
bcu will credit your Rewards credit card cashback to a Rewards Saving Account. This account will be opened in your name when you first get the bcu Rewards credit card. The cashback you earn from your credit card spending will then be deposited to this account on a monthly basis. Please note that the Rewards Savings Account does not earn interest on the cashback balance.
How do I use my cashback?
Once you have cashback credited to your bcu Rewards Savings Account, you can transfer it to any other bcu account you have via Internet banking.
Can I add additional cardholders to my credit card account?
Yes, you can nominate someone to be an additional cardholder as long as they are at least 16 years old and a bcu member.
How can I make payments?
You can make payments towards your bcu credit card account electronically from a bcu or other Australian bank account. You can also pay your account at any bcu branch via cheque or cash, or by mailing a cheque to the address provided on your statement.
Can I request a change in my credit limit?
Yes, you can ask bcu to increase or decrease your credit limit, but there is no obligation on bcu to comply with your request. If bcu agrees to decrease your card’s limit, you should make sure that the outstanding balance does not exceed the new limit.
What should I do if I lose my card?
If you lose your card or wish to report unauthorised use or theft you should call 1300 228 228 as soon as possible.
Can I cancel my card?
Yes, you can request for a cancellation of your credit card account in writing, and you should return the card (cut in half). You will be liable to repay any outstanding balance which can include fees and charges as well.