Classic Credit Card
Purchase rate
Why choose a Classic Credit Card?
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.
Peace of mind
Your card is protected by Visa's Zero Liability policy and Verified by Visa.
Low minimum limit
Your credit card limit can be as low as $500.
The features don't stop there
- Minimum repayment is just 3% of your balance or $10.00, whichever is the greater.
- Up to 52 days interest free when you pay off your statement balance owing by the due date each month.
- Use your card around the world, or just around the corner. Your Visa Credit card is accepted by millions of merchants worldwide.
- Make local or overseas purchases online and in-store using your Visa Credit card, including payWave.
- Tap and pay securely using your mobile phone using Apple Pay, Google Pay™, or Samsung Pay.
Classic not your style?
Because you like your credit cards with extra perks, our Rewards Credit Card offers cash back on eligible purchases.
Card security wherever you are
- Block certain transactions such as overseas purchases or Visa payWave.
- Lock your card temporarily if you’ve misplaced it.
- If you lose your card, you can cancel it online – you’ll get a new digital card instantly.
- No need to worry about card fraud – shop with peace of mind knowing you’re covered by Visa's Zero Liability policy and Verified by Visa.
- 24/7 worldwide emergency assistance and support, including emergency cash.
Rates and fees
Interest rates
| Purchase rate | Cash advance rate | Balance transfer rate |
|---|---|---|
| 11.95% p.a. | 14.80% p.a. | 11.95% p.a. |
| Fee type | |
|---|---|
| Annual fee | $45.00 |
| Cash advance (domestic & overseas) | $5.00 |
| Card replacement - standard | $10.00 |
Other fees and charges may apply. See all fees and charges for credit cards.
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!
Got a question about credit cards?
Annual credit card fees are charged at the end of the month of account opening, then every year each anniversary at the end of the month.
To avoid paying interest on your credit card purchases, you'll need to pay off the balance each month. That is the total amount owing at the end of the month, in full by the 21st of the following month. This gives you up to 52 days interest-free for purchases made from the 1st of the previous month to the 21st of the current month. You can find the balance owing on your monthly statement.
How the interest free period works:
The minimum repayment due on your credit card is 3% of your outstanding balance as at the last day of the month or $10.00, whichever is the greater.
The actual amount due and the due date will be displayed on your credit card statement which can be viewed as an eStatement in internet banking, and can also be found in the BCU mobile app.
You can set up your digital wallet to access your funds straight away - for example, if you order a new card, or in the event your card is ever lost or stolen and needs to be replaced.
Below you'll find step by step instructions on how to add your digital card to your digital wallet using the BCU Bank mobile app.
- Login to your mobile app and from the menu select Manage cards.
- Select enable for the card you wish to add to your Digital Wallet.
- Select Add.
- Confirm you are adding your card to your digital wallet.
- Your mobile device will establish a connection with the bank to add your card.
- Read and accept the terms and conditions.
- Your device will now configure your card for use.
- Complete the verification steps to validate you are authorised to add your card to your mobile device.
- You will receive a text message with your activation code.
- Your card is all set up for use and can now be accessed using the wallet feature on your phone and the payWave function at any eftpos terminal.
Adding your BCU Bank Visa Debit card via the mobile app will limit your card to the Visa network for purchases. If you prefer to use your card on the eftpos network, you will need to set up your digital wallet using your device's Wallet app. See our digital wallets page for more information.
Still unsure? Contact us on 1300 228 228 or visit your nearest branch and we'll help you get started.
You can apply for a credit card with BCU Bank to pay out an existing credit card with another bank or lender. This could help you better manage your repayments if you're moving to a lower interest rate.
You can apply over the phone or at your local branch.
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.