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Credit cards

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.

11.95
% p.a.

Purchase rate

  • $45 annual fee
  • $500 minimum credit limit
  • Cashback on purchases

Rewards Credit Card

Reward yourself with cash back on eligible purchases.

13.05
% p.a.

Purchase rate

  • $89 annual fee
  • $500 minimum credit limit
  • Cashback on purchases

How does the credit card application process work?

Apply over the phone or in person

Complete your credit card application and provide us with your ID and supporting documents.

Assessment and approval

We’ll take a look at your application and will be in touch if we have any questions or need any more info.

Sign your contract

We can send your contract to you electronically, or you can sign it at your local branch.

Your credit card is ready!

The postman will arrive with your card shortly, and you can enjoy the benefits of a low rate credit card.


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 enquiry

A 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.

More reasons to apply for a credit card with us

Looking for a personal loan instead?

While credit cards can be handy for your everyday spending or smaller buys, sometimes they’re not the most suitable option. If you’re looking to buy something bigger (like a car!) or consolidate your debts, it might be worth looking at our personal loans.

Check out our personal loans

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.

Make an enquiry

Enquire online today and one of the team will be in touch soon.

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.