Rewards Credit Card
By BCU
Get cashback on eligible purchases with a BCU Rewards Credit Card, as well as features such as fraud monitoring and Verified by Visa protection.
Last product change: 31 Jul 2025
Last checked: 14 Aug 2025
Get cashback on eligible purchases with a BCU Rewards Credit Card, as well as features such as fraud monitoring and Verified by Visa protection.
Last product change: 31 Jul 2025
Last checked: 14 Aug 2025
| Type | Rate (p.a.) | Comparison Rate (p.a.) | Duration |
|---|---|---|---|
Cash Advance | 14.8% | - | |
| |||
Purchase | 13.05% | - | |
Up to 52 days interest free on eligible purchases | |||
| Billing Frequency | Details | |||
|---|---|---|---|---|
| Credit Card Annual Fee | Periodic | $89.00 | 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 | $25.00 | When a cardholder raises a dispute relating to a card transaction. | |
| Statement Retrieval Fee | Event | $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 | Event | $70.00 | Payable if your emergency card request is declined. | |
| Visa Foreign Currency Conversion Fee | Transaction | $0.00 | 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 | $10.00 | For the replacement of a lost or damaged Visa Credit card. | |
| Card Replacement - Urgent Fee | Event | $50.00 | For the urgent replacement of a lost or damaged Visa Credit card. | |
| Emergency Card Replacement - Approved Fee | Event | $320.00 | 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 | $5.00 | When payment to a credit card becomes overdue by 11 and 30 days. | |
| Notice of Demand Fee | Event | $75.00 | 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 |