The Finance Algorithm
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Rewards Credit Card

Get cashback on eligible purchases with a BCU Rewards Credit Card, as well as features such as fraud monitoring and Verified by Visa protection.

Credit cardsBank updated 11 July 2026
Product page ↗Fees and pricing ↗Terms ↗

At a glance

Purchase rate
13.05%
Cash advance
14.80%
Interest-free days
52
Annual fee
$89
Balance transfer
11.99%
Rewards Credit Card

How it compares

This credit card in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.

This credit card: 13.05%Every other institution's lowest, 50 in all

Ongoing purchase rate, not introductory offers. One dot per institution, at its lowest credit card purchase rate anyone can apply for; hover or tap a dot for its name.

RateThis credit cardBest anywhereTypical institutionWhere it sits
Any credit cardOngoing purchase rate, not introductory offers13.05%7.49%Unity Bank's Low Rate Visa Credit Card12.49%of 51 institutions31st lowest of 51
Interest-free daysDays without interest on purchases when the balance is paid in full52 days62 daysBeyond Bank Australia's Low Rate Credit Card55 daysof 42 institutions33rd longest of 42

Rates

Every rate bcu publishes for this credit card, 3 in all.

TypeApplies toTermBandRateComparisonConditions
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 advance---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---13.05%-Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers.

Fees

12 fees published, grouped by when they're charged.

While you hold it1

  • Credit Card Annual Fee

    Annual fee charged at the end of the month from the account opening, then every year at the end of anniversary month.

    $89 a year

When you make a transaction1

  • Visa Foreign Currency Conversion 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…

    No fee

If a payment is late or fails3

  • Collection Agent Administration Fee

    Payable when you are in arrears for more than 90 days and we choose to engage an external collection agent.

    $100 90 days after it's due
  • Late Payment Notification Fee

    When payment to a credit card becomes overdue by 11 and 30 days.

    $5 11 days after it's due
  • Management Administration Fee

    When payment to a credit card becomes overdue by more than 90 days.

    $50 90 days after it's due

When particular things happen7

  • Notice of Demand Fee

    When payment to a credit card becomes overdue by 46 days.

    $75
  • Visa Chargeback Request Fee

    When a cardholder raises a dispute relating to a card transaction.

    $25
  • Card Replacement - Standard Fee

    For the replacement of a lost or damaged Visa Credit card.

    $10
  • Card Replacement - Urgent Fee

    For the urgent replacement of a lost or damaged Visa Credit card.

    $50
  • Declined Emergency Visa Card Fee

    Payable if your emergency card request is declined.

    $70
  • Emergency Card Replacement - Approved Fee

    For the issue of a temporary emergency Visa Credit card, to temporarily replace a lost, stolen or damaged Visa Credit card.

    $320
  • Statement Retrieval Fee

    Fee applies for statements over 12 months old. Payable on request to issue a copy of a previously issued statement.

    $2.50

Features

Instant paymentsDigital bankingFraud protectionBalance transfers52 interest-free daysApple Pay, Google Pay & Samsung Pay

Eligibility and 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

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.