Classic Credit Card
By BCU
Our Classic Credit Card offers a competitive rate, up to 52 days interest free, and is protected by Visa's Zero Liability policy.
Last product change: 07 Dec 2025
Last checked: 08 Dec 2025
Our Classic Credit Card offers a competitive rate, up to 52 days interest free, and is protected by Visa's Zero Liability policy.
Last product change: 07 Dec 2025
Last checked: 08 Dec 2025
| Billing Frequency | Details | |||
|---|---|---|---|---|
| Credit Card Annual Fee | Periodic | P1Y | 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 | When a cardholder raises a dispute relating to a card transaction. | ||
| Statement Retrieval Fee | Event | 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 | Event | Payable if your emergency card request is declined. | ||
| Visa Foreign Currency Conversion Fee | Transaction | 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 | Event | For the replacement of a lost or damaged Visa Credit card. | ||
| Card Replacement - Urgent Fee | Event | For the urgent replacement of a lost or damaged Visa Credit card. | ||
| Emergency Card Replacement - Approved Fee | Event | 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 | Event | When payment to a credit card becomes overdue by 11 and 30 days. | ||
| Notice of Demand Fee | Event | When payment to a credit card becomes overdue by 46 days. |
| Additional Cards | Unlimited 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. Read more |
| Interest Free Period | 52 days |