Lighten your load with 0% credit card balance transfer

Need a credit card for gifts, a holiday or for the New Year sales, you’re going to love your new bcu credit card.

  • Low interest rate from 11.80%1
  • Same low rate for cash advance1
  • Safe and secure with 24 hour fraud monitoring
  • Up to 55 days interest free on purchases
  • Fast approval

Enjoy 0% interest rate on all purchases for 3 months* then a low 11.80%1 ongoing* on a bcu Classic credit card. Limited time offer.

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^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 02 November 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).

*Available for bcu Classic credit card only. After 3 months, interest rate reverts to the bcu Classic Credit Card rate (currently 11.8% p.a.). Offer valid until 31 Jan 2016. 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 Ongoing interest rate is an annual percentage rate (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