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

  • Competitive interest rates from 11.80% p.a1
  • Get a cash advance at the same low interest rate
  • Low annual fee of $40
  • Long interest free period on your purchases - Up to 55 days
  • Safe and secure with 24 hour fraud monitoring
  • Access to reward program2
  • Take your bcu credit card with you overseas - accepted world wide

Applying is quick, easy and there's no documentation required3

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*.

You can also 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.

We couldn't have said it better ourselves.

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    2nd Nov

    Small Credit Union, Large Heart
    Low fees, no hassles, and I use my rewarder points at the end of year to fund Xmas dinner and a few little surprises for the kids. How easy!!!!!

    28th Jun

    Great rates - great product
    Competitive rates - better than most. Low annual fee. 21 day payment.

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    28th Dec

    Outstanding customer satisfaction!
    I never pay interest because the credit union pays back the credit card every month. It means I can't forget this payment as it's not my business to pay out the credit card!!

    10th Mar

    Competitive, helpful and efficient. Great service
    The Visa Credit Card/Line of Credit has a competitive rate and is easy to use. The rate has gone up somewhat over the years, but is nowhere near the rates on some competitors.

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    3rd Oct

    Ronald Kevin
    Great service and terrific products + basic feel.
    When I applied to BCU they were very friendly, helpful and couldn't do enough. This was 22 years ago and they still provide the same sort of service.

    1st Mar

    Great rate's
    Good guy's nothing 's a problem.


*15 minute approval applies to fully completed over the phone credit card applications only, taken within NSW business hours.
#90 minute approval applies to fully completed online applications received within NSW business hours.
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 may be needed for non-members and where automatic identity (VEDA) verification cannot be completed.
Personal Rewarder Card Conditions of Use
Credit Cards General Conditions of Use