BCU Classic Credit Card
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CardIQ
Good
Overall score, out of 100 · How this works
- Balance transfer39
- First timer76
- Low rate69
Customer reviews
Based on 4 reviews
Reviewers liked fees.
Super low rate and fees
It also has low fees and you get great service from BCU. I would recommend it to everyone, and BCU has other products, like personal loans and home loans, that also have great rates and low fees.
Generally very pleased with this card
I found BCU customer service to be outstanding, fast, and to the point. The team were excellent at explaining the process and extremely quick to respond. The set up was hassle free, convenient and even fun. With interest free for up to 55 days, my BCU Classic credit card has a…
The card that looks after your interests
A convenient credit card, with no annual fee, low rate and great security protection. This card gives you access worldwide, can be linked to PayPal and similar payment systems, and allows for PIN entry and/or payWave at the checkout. It offers peace of mind as far as most of the…
So glad to have this card
I took out this card a long time ago and since I have been on a Disability Pension have found it to be one of the most useful things I have ever owned. The major reward of this card is just being a part of BCU. I have found them to be most accomadating and the best financial…
Pros & cons
What's good
- The 11.95% p.a. purchase rate is among the lowest ongoing purchase rates (the median card charges 18.99% p.a.).
- No fee to add an additional cardholder.
Worth noting
- 3% foreign transaction fee on overseas spending.
- Earns no rewards points on spending.
Card details
The basics
- Additional cardholder fee
- $0 p.a.
- Card tier
- Standard
- Card type
- Visa
- Card use
- Personal
- Credit limit
- $500 – $100,000
- Credit rating
- Good
- Rewards program
- None
Eligibility
- Instant approval
- No
- Joint application
- No
- Minimum age
- 18 years old
- Minimum income
- Not specified
- Residency
- Australian citizen or permanent resident
- Temporary residents
- Not eligible
Rates & fees
Ongoing interest rates
- Cash advances
- 14.80% p.a.
- Purchases
- 11.95% p.a.
Fees
- Additional cardholder fee
- $0
- Annual fee
- $45 p.a.
- Cash advance fee
- —
- Foreign transaction fee
- 3%
- Late payment fee
- $5
Repayments
- Interest-free period
- Up to 52 days on purchases
- Minimum repayment
- 3% of the closing balance or $10, whichever is greater
Balance transfers
- Limit
- Up to your available credit limit
- Period
- 0 months
- Promotional rate
- 11.95% p.a.
- Revert rate
- 0.00% p.a.
- Transfer fee
- 0%
While you carry a transferred balance you may not receive interest-free days on new purchases.
Introductory purchase offer
This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.
Rewards
This card doesn't earn rewards points. It focuses on a low cost of ownership instead. If earning points matters to you, compare frequent flyer cards and rewards cards.
Where this card sits vs similar cards
Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.
Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.
Compare side by side
- BCU Classic Credit CardvsAmerican Express Low Rate Credit Card
- BCU Classic Credit CardvsANZ Low Rate
- BCU Classic Credit CardvsANZ Low Rate - Credit Back Offer
- BCU Classic Credit CardvsAustralian Military Bank Low Rate Visa Credit Card
- BCU Classic Credit CardvsAustralian Mutual Bank Credit Card
- BCU Classic Credit CardvsBank Australia Low Rate Visa Credit Card
- BCU Classic Credit CardvsBank First Visa Classic Credit Card
- BCU Classic Credit CardvsBank First Visa Platinum Credit Card
- BCU Classic Credit CardvsBank of Melbourne Vertigo Card
- BCU Classic Credit CardvsBank of Melbourne Vertigo Card - Cashback Offer
- BCU Classic Credit CardvsBank of us Visa Credit Card
- BCU Classic Credit CardvsBankSA Vertigo
Browse by card type
Compare the BCU Classic Credit Card against every other card in its category.
Questions and answers
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Sources
- Credit Card Compare
- Australian credit card statisticsHow CardIQ scores cards
- Issuer
- BCU