bcu Credit Cards

bcu is a provider of credit cards, home loans, life insurance, home insurance, car insurance, travel insurance, superannuation, investment products, bank accounts, and business banking products.

BCU logo“Fair go banking is for everyone.” (bcu)

Compare bcu credit cards

If you’re considering a bcu credit card, then check out what’s available in our comparison table below.his table is based on a monthly spend of $2,000 and is sorted by our star ratings (highest-lowest).

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Types of bcu credit cards

At the time of writing, bcu offers two types of credit cards:

  • bcu Classic Credit Card
  • bcu Rewards Credit Card

bcu Classic Credit Card

bcu Classic Credit Card

Features:

  • Card type: Visa
  • Minimum credit limit: $500
  • Maximum credit limit: $20,000
  • Interest-free days: Up to 55 days interest-free
  • Contactless: Contactless payments enabled with Visa payWave
  • Online and mobile: Online banking is available via the mobile app and on the website
  • Security: 24/7 fraud monitoring

Source: CoastalMediaServices

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bcu Rewards Credit Cardbcu Rewards Credit Card

Features:

  • Card type: Visa
  • Minimum credit limit: $500
  • Maximum credit limit: $20,000
  • Rewards program: Earn 0.66% cash back for every eligible $1 dollar spent
  • Interest-free days: Up to 55 days interest-free
  • Contactless: Contactless payments enabled with Visa payWave
  • Online and mobile: Online banking is available via the mobile app and on the website
  • Security: 24/7 fraud monitoring

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Eligibility to apply for bcu credit cards

To apply for a bcu credit cards, there is similar eligibility criteria to that of most other credit card providers – you must be:

  • At least 18 years old
  • An Australian citizen or permanent resident
  • Have no outstanding defaults (missed or late payments on credit cards, loans, or other debts)

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How to apply for a bcu credit card

Assuming you meet the eligibility criteria listed above, then applying for a bcu card is a simple process. All you have to do is compare credit cards on the Canstar website then apply online for the card of your choice on the bcu website.

If you need help to apply, you can call bcu during business hours on 1300 653 555, or drop in to a branch near you.

You will need the usual documentation to apply for a credit card, including:

  1. Your employment details
  2. Your annual income
  3. Your usual living expenses
  4. Details about assets you own such as a home, car, other belongings, or savings
  5. Any debts you currently owe on other credit cards, loans, or overdrafts

Read our checklist on applying for a credit card for a more detailed explanation of how the process works.

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bcu credit card FAQs

You must activate your bcu card before you can make purchases with it. Follow the instructions that come with your bcu credit card when it arrives.

As soon as you activate the card, you are agreeing to the terms and conditions of bcu’s credit card agreement.

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You can manage your bcu credit card through online banking or using the mobile banking app. bcu’s mobile app allows you to make payments, view interest earned, review your transaction history, and more. bcu’s online banking is called ibank and can be accessed from the bcu website.

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When interest is charged

Interest is charged on purchases when you carry a balance on your bcu credit card. Interest is charged on cash advances from the date of withdrawal, and other fees and charges apply to cash advances. Interest is also charged on balance transfers (subject to the balance transfer promotional interest rate period).

Interest is calculated from the posting date on all transactions when you carry a balance on your bcu credit card.

When interest is not charged

Up to 55 interest-free days apply to bcu credit card purchases if you have paid the balance in full for the previous month’s statement and for the current month’s statement. For more information about interest-free days, check out our article on how they work.

What will my credit limit be on my bcu credit card?

Your credit limit for a bcu credit card will be determined based on the information you provide in your application, keeping in mind the minimum and maximum credit limit listed above for each card. Find out more about how credit limits are determined here.

bcu will make funds available to you up to your chosen credit limit, and it reserves the right to reduce the maximum limit at any time. You can ask to have your credit limit decreased or increased at any time by contacting bcu, noting that bcu is not obliged to change your limit.

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If you wish to cancel your Bcu credit card account, contact them to arrange a cancellation. You will then need to cut the card in half and return it to them for security purposes. Cancellation will not be effective until all of this is done.

Your card balance will need to be repaid in full even after the card is closed, and you will continue to receive monthly statements until your card balance is fully repaid.

If you’re cancelling your credit card because you aren’t happy with it, then consider checking out what else is on the market by clicking the button below to compare credit cards using the Canstar website:

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bcu’s story began in northern NSW in the early 1970s, when a group of banana growers in the Macksville district formed the Nambucca Banana Growers’ Federation Members Credit Union as an alternative to big banks in the region.

They started by simply offering business loans to colleagues, and in the 40 years since, bcu have expanded greatly. It now spans from Port Macquarie to the Sunshine Coast, providing banking products including credit cards, loans, bank accounts, investment products, and more.

Thanks to its regional roots, bcu remains committed to providing jobs, economic diversity, and growth throughout their local region. Remote members of bcu who find they have to use other institutions’ ATMs are eligible for a number of free ATM transactions with their partner ATM network.

You can also compare bcu home loans and other products from bcu on the Canstar website.

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Classic Visa Card

Canstar Research
Rating:
Award: Outstanding Value-Low Rate Credit Cards

Written by: Danielle Quinn | Last updated: July 20, 2017

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