The following fees and charges may apply to all credit cards.
These should be read in conjunction with the fees and charges specified for the product on their individual product pages.
Card fees
| Fee type | Fee amount |
|---|---|
| Card Replacement Fee For the replacement of a lost or damaged Visa Credit card in Australia. |
|
| Standard replacement | $10.00 |
| Urgent replacement | $50.00 |
| Emergency Card Replacement Fee For the issue of a temporary emergency Visa Credit card, to temporarily replace a lost, stolen or damaged Visa Credit card while overseas. |
|
| Declined | $70.00 |
| Approved | $320.00 |
General fees
| Fee type | Fee amount |
|---|---|
| Late Payment Notification Fee When payment to a credit card becomes overdue by 11 and 30 days. |
$5.00 |
| Notice of Demand Fee When payment to a credit card becomes overdue by 46 days. |
$75.00 |
| Management Administration Fee When payment to a credit card becomes overdue by more than 90 days. |
$50.00 |
| Collection Agent Administration Fee Payable when you are in arrears for more than 90 days and we choose to engage an external collection agent. |
$100.00 |
Foreign currency fees
| Fee type | Fee amount |
|---|---|
|
Visa Foreign Currency Conversion Payable when you make a transaction using your Visa Credit or Visa Debit card:
Please note: It may also not always be clear that the merchant or its financial/payment processor is located or registered outside Australia. |
3% of the transaction’s value in AUD |
Other fees
| Fee type | Fee amount |
|---|---|
| Visa Chargeback Request Fee When a cardholder raises a dispute relating to a card transaction. |
$25.00 |
| Statement Retrieval Fee Statement retrieval if more than 12 months old. |
|
| 1st page | $6.00 |
| Each subsequent page | $1.50 |
| BPAY - Trace or Recall Request | |
| Trace request | $5.50 |
| Recall of payment | $11.51 |
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Important information
BCU Bank can change the standard fees and charges that apply to loan accounts from time to time. Please refer to the terms of your credit contract.