bcu Classic Credit Card

• Acquire a low variable interest rate of 11.95% p.a. on purchases.
• Receive 24-hour fraud monitoring as part of the package.
• Take advantage of up to 52 interest-free days.

The basics

• Additional cardholders. You can add up to 2 additional cardholders for free. The account holder is responsible for keeping the account in good standing and paying off the balance in full each month.
• Digital wallets. This card is compatible with Apple Pay, Google Pay, and Samsung Pay.
• Gambling transactions. Gambling transactions are not allowed on this card.

Rewards and benefits

• Complimentary travel insurance. The bcu Classic Credit Card does not provide complimentary international travel insurance.
• Concierge services. The bcu Classic Credit Card does not offer a concierge service.
• Insurances. This card comes with fraud protection but does not offer any additional insurance coverage.
• Rewards points. This credit card does not have a rewards program.
• Sign-up bonus. There is no sign-up bonus on offer currently.

Rates and fees

• Annual fee. This card has an ongoing annual fee of $45.
• Balance transfers. This credit card currently does not offer a balance transfer promotion.
• Cash advances. bcu will charge 14.8% p.a. on any cash advances made using this card, with the interest rate applied immediately from the transaction date.
• Foreign exchange fee. Purchases made with an overseas store or while traveling overseas will incur a 3% foreign transaction fee.
• Interest-free period. The bcu Classic Credit Card provides up to 52 days of interest-free purchases (excluding cash advances) when you pay your balance in full or make the minimum required payment.
• Purchases. There is no introductory offer on purchases. The standard ongoing rate for purchases is a low 11.95% p.a.