Do BCU Bank credit 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. 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.

Can I request a change in my credit limit?

Yes, you can request an increase or decrease to BCU Bank credit card's credit limit at any time. But keep in mind that if you request an increase, it will be subject to BCU Bank's lending criteria and assessment.

BCU Bank Credit Cards

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BCU Bank 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 Bank Credit Cards

Purchase rate p.a.	Bonus points	Points per $ spent	Interest-free period	Balance transfer rate p.a.	Annual fee
BCU Rewards credit card	Purchase rate p.a. 13.05%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 52 days on purchases	Balance transfer rate p.a. 13.05%	Annual fee $89	View details Compare product selectionCompare	loading
BCU Classic Credit Card	Purchase rate p.a. 11.95%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 52 days on purchases	Balance transfer rate p.a. 11.95%	Annual fee $45	View details Compare product selectionCompare	loading

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Benefits you can get with a BCU Bank credit card

Digital wallets

BCU Bank 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.

Visa benefits

You can use BCU Bank 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 0.49% 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 $4.90 back. In comparison, most credit card reward programs offer points per $1, with the value varying based on what you redeem with your points.

Account management

As well as branch and phone banking, BCU Bank 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 Bank app.

How to apply for a BCU Bank credit card

Applying for a credit card online is fast and easy. You'll need to be at least 18 years of age and meet the card's eligibility criteria. For more about eligibility, the kinds of documentation you'll need and the factors that can affect whether your card application is approved, check out our full guide to applying for a credit card.

Credit card brands similar to BCU Bank

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 Bank:

Frequently asked questions

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Sources

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Written by

Amy Bradney-George

Journalist

Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full bio

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2 Responses

GARYMarch 16, 2023

Do you have a balance transfer for other credit cards.

Finder

AmyMarch 16, 2023Finder

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.

BCU Bank Credit Cards

Compare BCU Bank credit cards with features including low rates, cashback rewards and worldwide acceptance through the Visa network.