Credit Card Compare

BCU Rewards Credit Card

Data last updated 20 July 2026
13.05%
Purchase rate
$89
Annual fee
52 days
Interest-free

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BCU Rewards Credit Card card
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CardIQ

42Fair

Fair

Overall score, out of 100 · How this works

  • Balance transfer38
  • Cashback50
  • Low rate59
  • Rewards19

Customer reviews

No reviews yet. Be the first to review the BCU Rewards Credit Card.

Pros & cons

What's good

  • The 13.05% p.a. purchase rate is below the 18.99% p.a. market median.
  • Earns cashback on eligible spending.
  • No fee to add an additional cardholder.

Worth noting

  • The $89 annual fee is high for a Standard card, where the typical fee is about $50.
  • 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
13.05% p.a.

Fees

Additional cardholder fee
$0
Annual fee
$89 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
13.05% 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

Cashback

Cashback cap
$500 per financial year
Ongoing cashback
0.49% on eligible spend

Eligible transactions include foreign currency converted to AUD.

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.

Purchase rate13.05%Better than most (51st of 196 cards)
Overseas fee3.00%Better than most (53rd of 200 cards)
Annual fee$89 a yearMiddle of the market (102nd of 200 cards)
Interest-free days52 daysMiddle of the market (115th of 192 cards)

Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Questions and answers

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Sources

Credit Card Compare
Australian credit card statisticsHow CardIQ scores cards
Government
Product reference data (Consumer Data Right)
Issuer
BCU