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


  • Enjoy 0% p.a. interest rate on balance transfer from your other non-bcu cards for 12 months^
  • Express, 15 minute credit card approvals*
  • Get a cash advance at the same low interest rate1
  • Long interest free period on your purchases - Up to 55 days
  • Access to reward program2
  • Safe and secure with 24 hour fraud monitoring
  • Low annual fee~

Applying is quick and easy3

Applying is quick and easy3

  • Short on time? Take advantage of our express approval. Call us on 1300 228 228 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

Balance transfer

Balance transfer

Are your credit card payments out of control?

Breathe easy with bcu's balance transfer offer. Pay 0% p.a. for 12 months on all credit or store card balances you transfer to a bcu Classic or Rewarder credit card^. Applying is easy.

New credit card application OR Existing bcu credit card holder application

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 or Rewarder 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 12 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 and 16.80% p.a. for bcu Rewarder Credit Card account. These interest rates are variable and subject to change. These rates are effective as at 30 September 2014 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. A Balance transfer fee of $150 applies and will be charged to the credit card account on the day the balance transfers are processed. 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).
3 Proof of identification documentation is required for non-members and where automatic identity (VEDA) verification cannot be completed.
Personal Rewarder Card Conditions of Use
Credit Cards General Conditions of Use
Credit Card Key Fact Sheet