Similar credit cards
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 regional credit union that was founded in New South Wales in the early 1970s as the Nambucca Banana Growers’ Federation Members Credit Union. In 1977, BCU became a million-dollar credit union. BCU offers business, personal, student and children’s banking solutions. Their offering comprises 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.
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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.