Rewards Credit Card
Get cashback on eligible purchases with a BCU Rewards Credit Card, as well as features such as fraud monitoring and Verified by Visa protection.
- Purchase rate
- 13.05%
- Annual fee
- $89.00
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Balance transfer 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. | 11.99% | — | — |
| Purchase Up to 52 days interest free on eligible purchases · Rate available to existing customers. · Rate available for new accounts. · Rate available to new customers. | 13.05% | — | — |
| Cash advance Rate available to existing customers. · Rate available for new accounts. · Rate available to new customers. | 14.8% | — | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Credit Card Annual Fee Charged yearly · Annual fee charged at the end of the month from the account opening, then every year at the end of anniversary month. | Ongoing | $89.00 |
| Visa Chargeback Request Fee When a cardholder raises a dispute relating to a card transaction. | Event | $25.00 |
| Statement Retrieval Fee Fee applies for statements over 12 months old. Payable on request to issue a copy of a previously issued statement. | Replacement | $2.50 |
| Declined Emergency Visa Card Fee Payable if your emergency card request is declined. | Replacement | $70.00 |
| Visa Foreign Currency Conversion Fee 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. | Transaction | $0.00 |
| Card Replacement - Standard Fee For the replacement of a lost or damaged Visa Credit card. | Replacement |
Features
- Additional cards
- You can apply to add an additional card holder to your account at no additional charge. Please see our website for more information.
- Bonus rewards — 500
- Earn cashback on eligible transactions, up to a maximum of $500 annually. Please refer to the terms and conditions for full details.
- Card access — Visa Credit card available
- Make purchases online or in-store using your Visa Credit card, including paywave. Please visit our website for more information.
- Digital banking
- Transfer or make payments using our mobile app or internet banking. Payments made with PayID or using Osko are received in near real-time.
- Digital wallet — Apple Pay, Google Pay & Samsung Pay
- Make payments by adding your card to your digital wallet.
- Fraud protection
- Shop safely with participating online merchants with Visa Secure and EFTPOS Secure. Please see the terms and conditions for more information.
Eligibility
- Minimum age — 18 years
- Individuals onlyMember must be a natural person rather than another legal entity.
- Credit eligibilty criteria, terms and conditions, fees and charges apply.
- You must be or become a BCU Bank member
- Residency status — Personal Lending is not available for non-residents.
Constraints
- Maximum limit — $100,000.00Maximum loan amount is $100,000
- Minimum limit — $500.00The minimum credit limit is $500
More Information
Published by BCU Bank under the Consumer Data Right · Last updated 10 July 2026 · Product ID 164 · View on CDR.gov.au