bcu
Classic Credit Card
Our Classic Credit Card offers a competitive rate, up to 52 days interest free, and is protected by Visa's Zero Liability policy.
Credit cardsBank updated 11 July 2026
At a glance
- Purchase rate
- 11.95%
- Cash advance
- 14.80%
- Interest-free days
- 52
- Annual fee
- $45
- Balance transfer
- 11.99%
§ 01 — Rates · 3
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Balance transferWe may at our reasonable descretion agree to a Balance Transfer request by you or a Card Contract Variation. Please refer to our Terms and Condition for additional information. | — | — | — | 11.99% | — | Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. |
| Cash advanceRate available to existing customers. | — | — | — | 14.80% | — | Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. |
| PurchaseUp to 52 days interest free on eligible purchases | — | — | — | 11.95% | — | Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. |
§ 02 — Fees · 12
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Notice of Demand Fee | Event | $75 | — | When payment to a credit card becomes overdue by 46 days. |
| Visa Chargeback Request Fee | Event | $25 | — | When a cardholder raises a dispute relating to a card transaction. |
| Collection Agent Administration Fee | Late payment | $100 | 90 days after due | Payable when you are in arrears for more than 90 days and we choose to engage an external collection agent. |
| Late Payment Notification Fee | Late payment | $5 | 11 days after due | When payment to a credit card becomes overdue by 11 and 30 days. |
| Management Administration Fee | Late payment | $50 | 90 days after due | When payment to a credit card becomes overdue by more than 90 days. |
| Credit Card Annual Fee | Periodic | $45 | Every 1 yr | Annual fee charged at the end of the month from the account opening, then every year at the end of anniversary month. |
| Card Replacement - Standard Fee | Replacement | $10 | — | For the replacement of a lost or damaged Visa Credit card. |
| Card Replacement - Urgent Fee | Replacement | $50 | — | For the urgent replacement of a lost or damaged Visa Credit card. |
| Declined Emergency Visa Card Fee | Replacement | $70 | — | Payable if your emergency card request is declined. |
| Emergency Card Replacement - Approved Fee | Replacement | $320 | — | For the issue of a temporary emergency Visa Credit card, to temporarily replace a lost, stolen or damaged Visa Credit card. |
| Statement Retrieval Fee | Replacement | $2.50 | — | Fee applies for statements over 12 months old. Payable on request to issue a copy of a previously issued statement. |
| Visa Foreign Currency Conversion Fee | Transaction | No fee | — | 3% of the transaction value in AUD. When you use your Visa Credit or Debit card in a foreign currency either online or at a merchant point of sale outside or in Australia. Please refer to our website… |
§ 03 — Features
Instant paymentsDigital bankingFraud protectionBalance transfers52 interest-free daysApple Pay, Google Pay & Samsung Pay
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Personal Lending is not available for non-residents.
- · Available to individuals
- · Amount $500 to $100,000
- · Credit eligibilty criteria, terms and conditions, fees and charges apply.
- · You must be or become a BCU Bank member
§ 06 — Run the numbers
Put this product through a calculator
Published by BCU Bank under the Consumer Data Right, last changed by them on 11 July 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.