Lighten your load with 0% credit card balance transfer

Whether you need a credit card for shopping, a holiday or when dining out, you're going to love your new bcu credit card.


  • Low interest rate from 11.80% 1
  • Get a cash advance at the same low interest rate 1
  • Long interest free period on your purchases - Up to 55 days
  • Access to reward program 2
  • Safe and secure with 24 hour fraud monitoring
  • Low annual fee ~
  • Express, 15 minute credit card approvals *

Applying is quick and easy

Applying is quick and easy

  • Short on time? Take advantage of our express approval. Call us on 1300 653 555 and you could be approved for a new credit card in 15 mins *.
  • Apply at any bcu store; or email, fax or mail your application.
  • Online application most convenient? Apply online and have a response
    in 90mins # .
  • Click here for joint credit card applications

Check out what customers are saying about bcu credit cards.

Credit Card Key Facts Sheet

^Offer available to new and approved credit card applicants who apply for a bcu Classic credit card account with the balance transfer and to existing credit card holders. Your total balance transfers with this offer may not exceed 95% of your credit limit. Offer available in respect of balances transferred from non-bcu credit card accounts issued in Australia only. The 0% p.a. interest rate applies to balances transferred with this offer for a period of 4 months from the date the credit card application is approved or on receipt of a Balance Transfer request. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the cash advance balance and accrues interest from the expiry date at the cash advance rate, currently 11.80% p.a. for bcu Classic Credit Card account. These interest rates are variable and subject to change. These rates are effective as at 01 June 2015 and are subject to change. Terms and conditions apply to balance transfers. Payments to your account are applied in accordance with the bcu Credit Cards General Conditions of Use. bcu reserves the right to withdraw this offer at any time. Note - whilst a balance transfer balance exists unless the balance of the most recent statement is repaid in full, any purchases will not have an interest free period. In order to revert to an interest free period for purchases the balance of the account has to be repaid in full (including any balance transfer).

*15 minute approval applies to fully completed, over the phone credit card applications taken within NSW business hours from eligible customers.
#90 minute approval applies to fully completed online applications received within NSW business hours.
~Annual Fee of $40.00 applies. The first annual fee will be debited to your card account following the time a user activates or uses a card after receiving it or otherwise operates or authorises the operation of the card account.
1 All interest rates are annual percentage rates (APR) and variable rates are subject to change (see our current rates here).
2 Available for bcu rewarder credit card only (details here).
Personal Rewarder Card Conditions of Use
Credit Cards General Conditions of Use
Credit Card Key Fact Sheet