Important disclosure
Pros and cons
For Classic Visa Card
Benefits
- Ongoing variable purchase rate ranked in the best 20%
- Lower than average annual fee
- Free supplementary cards
Drawbacks
- No reward program
BCU Bank Rate Credit card overview
For Classic Visa Card
Details
Card Level Standard | Card Type Visa |
Interest Free Days 55 | Minimum monthly repayment 3% or $10 |
Minimum credit limit $500 | Maximum credit limit $20k |
Free supplementary cards | Instant Approval |
Target Market Determination Visit BCU Bank to view Target Market Determination. |
Fees
Annual Fee $45 | Annual Fee Spend Waiver |
Supplementary card annual fee $0 | Late Payment Fee $0 |
Over limit fee $0 | Duplicate statement fee $6 |
Electronic Wallet Service
Important Rates
Rates
Purchase Rate 11.95% p.a |
Cash advance rate 14.8% |
Cash advance fee |
Balance Transfer
Balance Transfer Rate 11.95% p.a |
Transfer Limit 95% of the approved credit limit |
Balance Transfer Fee |
Overseas spending
Foreign Exchange Fee 3% on Visa |
Overseas charges |
Estimated ATM Cost $9 for AU $300 withdrawal |
Rewards
Program name |
Rewards Available - |
Eligibility
Minimum age 18 |
Minimum income |
Eligibility conditions - |
Residency |
Perks
- FREE SUPPLEMENTARY CARDS