Balance Transfer Rate
Max Free Days
- Free supplementary cards
Number free supplementary
Interest Free Days
Interest Free Days
Maximum credit limit
Late Payment Fee
Minimum credit limit
Over limit fee
Minimum repayment dollars
Duplicate statement fee
Minimum repayment percent
Supplementary card annual fee
Cash advance rate
Balance Transfer Rate
Balance Transfer Rate
Balance Transfer Fee
Foreign Exchange Fee
3.65% on Visa
Estimated ATM Cost
for AU $300 withdrawal
Australia Citizen, Permanent Resident
- FREE SUPPLEMENTARY CARDS
Compare and review credit cards with similar features
The bcu Classic Visa card has a moderately low annual fee, moderately low interest rates and a moderate number of interest-free days. The moderately low rate of the bcu Classic Visa card can help customers make larger purchases without having to pay excessive interest rates.
The bcu Classic Visa card also offers a moderately high credit limit to eligible customers, and the card does not charge a late payment fee. This card does not have an associated rewards scheme.
The bcu Classic Visa card comes with complimentary 24/7 fraud monitoring, keeping your card protected from suspicious and fraudulent activity. The card can also be used with Visa payWave, allowing for fast and secure payment during your everyday spending.
Potential customers can be approved for the bcu Classic Visa card in as little as 20 minutes.
- No late payment fee
- Moderately high credit limit
- 24/7 fraud monitoring
- No rewards program
- Charges an annual fee
- No complimentary insurance
Who is it good for?
The bcu Classic Visa card may suit budget card holders who don’t typically pay their credit card bill in full each month. The moderately low interest rates may be helpful for those who want to take control of their credit card debt, and the moderate interest-free period makes it easier for customers to buy now and pay later.
This card is not a rewards credit card, which may make it undesirable for customers in search of spending rewards. Potential card holders who are confident about paying off their bills in full and want to be rewarded for their purchases might prefer to consider a credit card with a suitable reward program.
This card is also not particularly suited to those who want to minimise fees associated with their card. The bcu Classic Visa card charges an annual fee, which is not waived in the first year, and foreign transaction fees.
What RateCity says
The bcu Classic Visa card may be a sensible choice for budget card holders. The card offers a moderately low interest rate on purchases accompanied by a moderate interest-free period. These features may be beneficial to those who struggle to clear their credit card debt each month. The relatively low rates of this card may also help budget card holders make more substantial purchases.
However, the bcu Classic Visa card offers few advantages to customers who pay their credit card bill in full each month. The card does not come with any rewards scheme, so card holders are not rewarded for their spending. Rewards-seeking card holders should consider shopping the market for a card with a suitable rewards scheme.
Potential card holders looking to minimise fees may be better off with a card that charges no annual fee.
In order to be eligible for the bcu Classic Visa card, you must be at least 18 years old. You must also be an Australian citizen or have permanent residency status. Applicants must also not have any outstanding defaults, judgements or be an undischarged bankrupt. Customers can apply through a secure online portal. To complete the online application, you’ll need to submit a photo ID, personal and employment information, as well as financial details.
bcu is a division of Police & Nurses Limited following the successful merger between Bananacoast Community Credit Union Ltd and Police & Nurses Limited. Bananacoast Community Credit Union Ltd was originally created in the early 1970’s, formed by a small group of business owners—predominately banana farmers on the NSW North Coast—to provide a local, realistic banking alternative to the big banks. Fast forward nearly 50 years and the bcu brand continues to offer localised service and expertise from Port Macquarie to the Sunshine Coast whilst enjoying the economies of scale that comes from being part of the larger member owned Police & Nurses Limited.
bcu offers bank accounts, credit cards, home loans, insurance, investments and wealth creation services. Customers can contact bcu through an online enquiry form, by email or over the phone.
Looking to get your first credit card? You might be confused as to exactly where to go to apply for one. Here’s where to go when you are ready to put in that application.
The bank: Your bank is a great place to start, provided that you have a good banking history. Since you already have a financial history, you have more chance of your application being approved.
Credit card provider: Another option is to apply for a credit card directly from the issuer, such as Visa, Mastercard or Amex. This will most likely be an online application, so do your research and apply for a suitable card for your circumstances.
Major retailers: Coles, Woolworths, Myer and David Jones all have credit cards available. But watch out for the interest rate and annual fees – these cards are designed to help you spend more in store.
The numbers on your credit card actually follow a universal standard which is used to identify specific functions. Each credit card has a different amount of numbers. Visa and Mastercard have 16, American Express has 15 and Diner’s Club has 14.
The first number on a credit card always identifies what type of credit card it is. Visa cards start with a 4, whereas Mastercard starts with a 5 and American Express with a 3. The remainder of the digits represent the account number, including the last number which is used to verify that your credit card is actually valid.
Credit cards also have additional verification numbers, which are mainly used when the card isn’t present for phone and online purchases. These are the three-digit numbers on the back of Visa and MasterCard or the four-digit numbers on the front of an American Express card.