Competitive interest rates
Low variable interest rate for purchases and balance transfers.
Up to 52 days interest free
When you pay off your balance in full each month.
Pay with your phone
Add your card to your digital wallet and pay with Apple Pay, Google Pay, or Samsung Pay.
Peace of mind
Your card is protected by Visa's Zero Liability policy and Verified by Visa.
Choose from our credit cards
Classic Credit Card
Perfect for people who prefer a lower interest rate and to keep things simple.
Purchase rate
- $45 annual fee
- $500 minimum credit limit
- Cashback on purchases
Rewards Credit Card
Reward yourself with cash back on eligible purchases.
Purchase rate
- $89 annual fee
- $500 minimum credit limit
- Cashback on purchases
How does the interest free period work?
An interest-free period is a block of time when interest is not charged on a new sale. The interest free period is up to 52 days. The interest-free period will continue to apply as long as you pay your closing balance in full by the due date each month.
For example, if you buy a gift on the 2nd of the month, you will have up to the 21st of the next month interest free. That's 51 days interest free.
If you buy groceries on the 28th of this month, you would have up to the 21st of the next month interest free. That's 25 days interest free.
You must make your payment between the 1st of the month and the 21st of the month.
More reasons to apply for a credit card with us
How to apply for a credit card
Apply in person or over the phone
Talk to one of our lending specialists and apply over the phone by calling our contact centre on 1300 228 228, or pop into your local branch.
Alternatively, you can enquire online and one of the team will be in touch soon!
Make an enquiryA little preparation can make your credit card application quicker and easier. Make sure you have the following ready:
- Identity documents
- primary photo ID (e.g. passport or driver licence), or
- primary ID without a photo (e.g. birth certificate or citizenship certificate) and a secondary ID (e.g. utility bill with your name and address on it).
- Employment details – contact details of your current and previous employer (if current is less than two years).
- Income details – payslips or, if you're self-employed, tax assessments for the last two years, and financial statements.
- Regular expenses – such as rent, food, electricity, insurance, telcos, and medical costs.
- Assets – a rundown of any assets that you own (any cars, savings accounts, home contents, properties, investments).
- Liabilities – the details of any loans, credit cards, buy now pay later, or other debts you have.
Apply in person or over the phone
Talk to one of our lending specialists and apply over the phone by calling our contact centre on 1300 228 228, or pop into your local branch.
Alternatively, you can enquire online and one of the team will be in touch soon!
Make an enquiryA little preparation can make your credit card application quicker and easier. Make sure you have the following ready:
- Identity documents
- primary photo ID (e.g. passport or driver licence), or
- primary ID without a photo (e.g. birth certificate or citizenship certificate) and a secondary ID (e.g. utility bill with your name and address on it).
- Employment details – contact details of your current and previous employer (if current is less than two years).
- Income details – payslips or, if you're self-employed, tax assessments for the last two years, and financial statements.
- Regular expenses – such as rent, food, electricity, insurance, telcos, and medical costs.
- Assets – a rundown of any assets that you own (any cars, savings accounts, home contents, properties, investments).
- Liabilities – the details of any loans, credit cards, buy now pay later, or other debts you have.
Looking to activate your card? Find out how.
Because we're here to help
Apply over the phone or in person
Call us on 1300 228 228 or chat to the team at your local branch.
Find your local branch
You’ll find us from Maroochydore to Port Macquarie – drop in and say hi!
Important information
Banking and Credit products issued by Police & Nurses Limited (BCU Bank).
Any information on this website is general in nature and does not consider your personal needs, objectives or financial situation. Our rates are current as of today and can change at any time. Credit eligibility criteria, terms and conditions, fees and charges apply.
Please consider the terms and conditions and whether a product is right for you.