In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
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BCU Rewards credit card

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BCU Rewards credit card
Terms and conditions apply
Purchase rate
13.05% p.a.
Annual fee
$89 p.a.
Interest-free on purchases
Up to 55 days

Our verdict

Get cashback as you spend and save with a low interest rate on purchases with the BCU Rewards credit card.

The BCU Rewards credit card features a relatively competitive cashback offer with the bonus of a low interest rate. The cap on the maximum cashback you can get is higher than some others on the market. It does a higher annual fee than some of the other cashback credit cards on the market though, so it’s worth comparing the costs with the rewards before you want to apply. Although the low purchase interest rate could help you save, you should aim to pay your balance in full each month and take advantage of the interest-free days on purchases.

Pros

  • Get 0.66% cashback per $1 spent on eligible transactions.
  • Enjoy a low standard variable interest rate of 13.05% p.a. on purchases.
  • Receive up to 55 days interest-free on purchases.
  • This card comes with 24-hour fraud monitoring.

Cons

  • Charges a 3.65% foreign transaction fee

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question

This credit card combines rewards with low rates, offering 0.66% cashback per $1 spent on eligible purchases and a standard variable purchase rate of 13.05% p.a. It also gives you access to Visa contactless payment technology and up to 55 days interest-free on purchases when you pay your balance in full by the due date on your statements.

Details

Product details

Product Name BCU Rewards credit card
Purchase rate p.a. 13.05%
Interest-free period Up to 55 days on purchases
Cash advance rate p.a. 14.8%
Min credit limit $500
Max credit limit $20,000
Card type Visa

Eligibility

Available to temporary residents No
Joint application Yes

Rewards

Bonus points N/A

Fees

Annual fee $89
Minimum monthly repayment 3% of the closing balance or $10, whichever is greater
Late payment fee $5
Foreign currency conversion fee 3.65%
Overseas ATM withdrawal fee $1
Additional cardholder fee $0
Number of additional cardholders 1

How to apply

You can apply for the BCU Rewards credit card in-store at a BCU branch. Check if you meet the eligibility criteria and have the information to complete the application before you get started.

Eligibility criteria

  • Age. You must be at least 18 years old to apply.
  • Residency. This card is only available to permanent Australian residents or citizens.

Card benefits

  • Cashback rewards. Enjoy a cashback rate of 0.66% per $1 spent on eligible purchases (capped at $500 cashback per year). Eligible purchases include most personal, household and consumer purchases but exclude transactions such as cash advances, BPAY, fees and charges, balance transfers or transactions for business purposes.
  • Purchase rate. The BCU Rewards card charges a low standard variable purchase rate of 13.05% p.a.

Rates & fees

  • Interest-free days. Save with up to 55 days interest-free on your purchases when you pay your account balance in full by the due date on each statement.
  • Annual fee. This card charges an annual fee of $89.

Your reviews

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Sally Finder

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Donna

February 28, 2023

How do I go about applying for a small online loan and with who can I apply so as I can get a instant reply my credit score is very good.please help.


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Amy Bradney-George Finder

March 07, 2023

Hi Donna,


Depending on your situation, you may be eligible for Good Shepherd’s No Interest Loans(NILs).


You can also compare internet loans and learn more about them on Finder. And if you’re experiencing financial stress, you can talk to a financial counsellor for free by calling the National Debt Helpline on 1800 007 007. I hope that helps.


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