bcu - Credit cards

	Cards Competitive interest rates Low annual fee Accepted world wide Same interest rate for cash advances Up to 55 days interest free on purchases 24 hour fraud monitoring
	Loan amount
	minumum loan
	maximum loan
	unsecured
	Access to your money
	bcu atm, eftpos
	accepted internationally wherever Visa is accepted
	cash advance in Australia and internationally
	telephone and internet banking
	Interest (view rates)
	interest free days on purchases
	interest rate charged for cash advances
	Summary of fees
	application fee
	annual fee
	replacement for lost or stolen card
	Reward program
	earning reward points
	bonus points on activation
	expiry of points
	redemption of points
	access to points
	Other
	minimum monthly repayment
	24 hour fraud monitoring
	Eligibility
	must be 18+ years

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bcu classic Visa credit card A basic card with a low interest rate. Apply X	bcu bonus rewarder Visa credit card Earn rewarder points to spend anywhere eftpos is accepted. Apply X

$500	$500
$20,000	$20,000


¹	¹




up to 55 days	up to 55 days
same as purchases	same as purchases

$40	$40
$40	$40
$5	$5

n/a	$1 in points per $150 spent
n/a	9,000 free points (worth $60)
n/a	3 years
n/a	anywhere eftpos is available
n/a	check points balance online

3% of balance or $10, whichever is greater	3% of balance or $10, whichever is greater

1. Ability for customer to link credit card to a bcu access, bcu basic access or bcu advantage saver product to use it at bcu atms and eftpos to access savings.
Personal Rewarder Card Conditions of Use
Credit Cards General Conditions of Use

Home Dispute Resolution Privacy Site terms and conditions APS Disclosure	T: 1300 228 228 \| bsb: 704 328
Copyright 2013. Banking products issued by Bananacoast Community Credit Union Ltd ABN 50 087 649 750 AFSL 241077 Australian Credit Licence Number 241077. bcu is not responsible for any websites you access from www.bcu.com.au. bcu’s registered office is located at Level 2, 144-148 West High Street, Coffs Harbour, NSW 2450; PO Box 1563, Coffs Harbour, NSW 2450. This website contains general advice and has been prepared without taking into account your objectives, financial situation or needs. Therefore, you should consider whether this advice is appropriate for you and read the Terms and Conditions, Fees and Charges Schedule and Financial Services Guide before acquiring any basic deposit product. Loans available to approved applicants only. Normal lending criteria, terms and conditions apply. Interest rates, fees and charges are payable and are subject to change without notice. Please read bcu’s Credit Guide and Schedules of Fees and Charges for home loans and personal loans before acquiring a bcu loan or credit product.