bcu
Rewards Credit Card
bcu · cred and chrg cards
Provider last updated this product 2026-07-10.
Get cashback on eligible purchases with a BCU Rewards Credit Card, as well as features such as fraud monitoring and Verified by Visa protection.
Lending rates
| Type | Rate | Comparison | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| BALANCE TRANSFER | 11.99% | - | UNCONSTRAINED | UNCONSTRAINED | - | - | calculated daily, paid monthly |
| We may at our reasonable descretion agree to a Balance Transfer request by you or a Card Contract Variation. Please refer to our Terms and Condition for additional information. Rate available to existing customers. Rate available for new accounts. Rate available to new customers. | |||||||
| CASH ADVANCE | 14.80% | - | UNCONSTRAINED | UNCONSTRAINED | - | - | calculated daily, paid monthly |
| Rate available to existing customers. Rate available for new accounts. Rate available to new customers. | |||||||
| PURCHASE | 13.05% | - | UNCONSTRAINED | UNCONSTRAINED | - | - | calculated daily, paid monthly |
| Up to 52 days interest free on eligible purchases Rate available to existing customers. Rate available for new accounts. Rate available to new customers. | |||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Credit Card Annual Fee | PERIODIC | $89 | Annual fee charged at the end of the month from the account opening, then every year at the end of anniversary month. |
| Visa Chargeback Request Fee | EVENT | $25 | When a cardholder raises a dispute relating to a card transaction. |
| Statement Retrieval Fee | REPLACEMENT | $2.50 | Fee applies for statements over 12 months old. Payable on request to issue a copy of a previously issued statement. |
| Declined Emergency Visa Card Fee | REPLACEMENT | $70 | Payable if your emergency card request is declined. |
| Visa Foreign Currency Conversion Fee | TRANSACTION | $0 | 3% of the transaction value in AUD. When you use your Visa Credit or Debit card in a foreign currency either online or at a merchant point of sale outside or in Australia. Please refer to our website for more information. |
| Card Replacement - Standard Fee | REPLACEMENT | $10 | For the replacement of a lost or damaged Visa Credit card. |
| Card Replacement - Urgent Fee | REPLACEMENT | $50 | For the urgent replacement of a lost or damaged Visa Credit card. |
| Emergency Card Replacement - Approved Fee | REPLACEMENT | $320 | For the issue of a temporary emergency Visa Credit card, to temporarily replace a lost, stolen or damaged Visa Credit card. |
| Late Payment Notification Fee | LATE_PAYMENT | $5 | When payment to a credit card becomes overdue by 11 and 30 days. |
| Notice of Demand Fee | EVENT | $75 | When payment to a credit card becomes overdue by 46 days. |
| Management Administration Fee | LATE_PAYMENT | $50 | When payment to a credit card becomes overdue by more than 90 days. |
| Collection Agent Administration Fee | LATE_PAYMENT | $100 | Payable when you are in arrears for more than 90 days and we choose to engage an external collection agent. |
Rate history
The figures behind this chart
| From | Until | Rate |
|---|---|---|
| 2026-07-15 | 2026-09-30 (current) | 11.99% |
Published figures as captured daily since 2026-07-15. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
Who can apply
- min age - 18
- natural personMember must be a natural person rather than another legal entity.
- otherCredit eligibilty criteria, terms and conditions, fees and charges apply.
- otherYou must be or become a BCU Bank member
- residency status - Personal Lending is not available for non-residents.
Limits
- max limit - 100000.00Maximum loan amount is $100,000
- min limit - 500.00The minimum credit limit is $500
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-07-10T14:00:53.0189421Z · Product ID: 164