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Our Credit Cards

Credit Cards

Our credit cards provide a range of features to suit your needs. Choose between our Classic credit card, offering a low interest rate, or our Rewards credit card, with cashback earned on your everyday spending.

Classic Credit Card

Score a great rate with a bcu classic credit card


Interest on purchase rate

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Rewards Credit Card

Get a low rate credit card and reward yourself with cashback on purchases.


Interest on purchase rate

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Which credit card suits me?

24 hour fraud monitoring
Visa payWave
Maximum credit limit$20,000$20,000
Minimum credit limit$500$500
Must be 18+ years
Rates fromClassicRewards
Interest on purchase rate11.80% 12.80%
Cash advance rate14.80% 14.80%
Interest-free periodup to 55 days on purchases onlyup to 55 days on purchases only
Annual fee$45.00$89.00
Late payment fee$0.00$0.00
Minimum repayments3% of the closing balance or $10.00, whichever is the greater.3% of the closing balance or $10.00, whichever is the greater.

Important things you should know

Credit eligibility criteria, terms & conditions, fees & charges apply.

Credit Card Key Fact Sheet

Credit Cards General Conditions of Use

Rewards Credit Card Conditions of Use

Personal Rewarder Card Conditions of Use (discontinued)

Click here to view your Rewarder eftpos balance (discontinued)