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BDCU Alliance Bank Visa Credit Card

1 review

Purchase rate

7.99% for 6 months
reverts to 12.49% p.a.

Balance transfer

N/A

Annual fee

$45 p.a.
45% Complete (success)

Pros

7.99% p.a. for the first six months on purchases

12.49% p.a. ongoing on purchases

Cons

Introductory offer rate is not that great

BDCU Alliance Bank Visa Credit Card

The BDCU Alliance Bank Visa Credit Card features a low rate and low annual fee.

Key features

  • 7.99% p.a. for the first six months on purchases
  • 12.49% p.a. ongoing on purchases
  • $45 annual fee
  • Up to 44 days interest free on purchases
100% of customers who have rated this card would recommend it
  • Rates
    71%
  • Fees
    54%
  • Rewards
    N/A
  • Customer Service
    59%
  • Value
    47%
Overall user rating 46%
1 reviews
Interest Rates
Purchase rate 12.49% p.a.
Introductory purchase rate 7.99% p.a. for 6 months
Cash advance rate 12.49% p.a.
Interest free on purchases up to 44 days
Balance Transfer
Credit limits
Minimum credit limit N/A
Maximum credit limit N/A
Fees & repayments
Annual fee $45 p.a.
Cash advance fee N/A
Credit card type Visa
Complimentary insurance
Flight inconvenience insurance No
Transport accident cover No
Smartphone screen insurance No
Purchase protection insurance No
Extended warranty insurance No
Rental vehicle excess cover No

The BDCU Alliance Bank Visa Credit Card

Offering a low introductory rate of 7.99% p.a. for the first six months, the BDCU Alliance Bank Visa Credit Card continues to keep costs down with a low ongoing purchase rate and a very reasonable annual fee. As a no frills card, its features are simple, but it does provide worldwide acceptance, the convenience and security features of a Visa, and up to 44 days interest free on purchases.

What we love...

New cardholders can enjoy a very nice introductory offer on the BDCU Alliance Bank Visa Credit Card, with 7.99% p.a. on purchases for the first six months. While this may not be quite as enticing as a 0% p.a. purchase offer, it could still provide some serious value, especially when you take into account the card’s low annual fee, and the rate the card reverts to after the intro period is up.

While this is a simple card, simple can be awesome. If you don’t want or need complex rewards or extravagant extras, you shouldn’t have to pay for them. Cards that offer rewards and extras tend to have higher annual fees, and often charge more in interest. So, if your focus is on money-saving, you can cut those costs by cutting out those extras with a card such as this.

If you pay off your balance month to month, you have the potential to save even more money with the card’s interest free feature. With up to 44 days interest free on purchases, you can use your card to buy what you need, while saving on interest until the next statement is due. By taking advantage of this, you can enjoy access to credit while paying zip in interest, and only paying out the card’s low annual fee.

What’s not so great...

We know simple is not for everyone. Some of you may want to earn rewards on your credit card spending, especially if you happen to spend big on your card. If you travel a lot, you may want to take advantage of credit card features that make travelling somewhat easier to deal with, such as airport lounge access and upgraded hotel stays.

The BDCU Alliance Bank Visa Credit Card simply doesn’t offer those things. You may find you get more value from a higher cost card that provides the features you need. If that’s the case, check out the options on CreditCard.com.au to find the right card for you.

Why should you choose this card?

You may choose the BDCU Alliance Bank Visa Credit Card for its purchase offer. If you have a large purchase to make, such as a holiday or something for the house, like a TV or a fridge perhaps, you could use the purchase offer to buy now and pay later, instead of taking out a personal loan.

By using a personal loan calculator and checking out personal loan options, you may find this card’s intro offer could save you on interest. And unlike the BDCU Alliance Bank Visa Credit Card, which has one low annual fee to think about, personal loans can come with numerous fees attached, such as establishment fees and monthly fees, making them even more expensive.

However, using a purchase offer in lieu of a personal loan really only works if you can clear your balance before the intro period ends. As long as you can pay off your purchases within that six month intro period, you could enjoy considerable savings. If not, your balance will revert to the card’s purchase rate, possibly making it more expensive than a personal loan.

Alternatively, you may simply use the card as a low cost option ongoing. If you tend to carry a balance on your card, having a low rate on that balance could allow you to pay it down faster while paying less in interest. Of course, clearing your balance is always the best option if you can manage it, as this will allow you to keep your interest costs at zero.

Overall Rating

The BDCU Alliance Bank Visa Credit Card has a low ongoing purchase rate and a low annual fee, offering up to 44 days interest free on purchases, and an intro offer of 7.99% p.a. on purchases for the first six months.

(showing the latest 10 Q&As)

  • Be over 18 years old
  • Good credit and not applied for multiple credit cards recently
  • Permanent Resident or Australian Citizen
  • You have your personal details ready to complete the online application
BDCU Alliance Bank Visa Credit Card
BDCU Alliance Bank Visa Credit Card

BDCU Alliance Bank Visa Credit Card

Updated 18 June 2019

Purchase Rate (p.a)

7.99% p.a.

for 6 months. Reverts to 12.49% p.a.

Balance Transfer (p.a)

N/A  

Annual Fee (p.a)

$45

$0 over 0 months

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • 7.99% p.a. for the first six months on purchases
  • 12.49% p.a. ongoing on purchases

  • Introductory offer rate is not that great

Creditcard.com.au review

Editor Review

The BDCU Alliance Bank Visa Credit Card

Offering a low introductory rate of 7.99% p.a. for the first six months, the BDCU Alliance Bank Visa Credit Card continues to keep costs down with a low ongoing purchase rate and a very reasonable annual fee. As a no frills card, its features are simple, but it does provide worldwide acceptance, the convenience and security features of a Visa, and up to 44 days interest free on purchases.

What we love...

New cardholders can enjoy a very nice introductory offer on the BDCU Alliance Bank Visa Credit Card, with 7.99% p.a. on purchases for the first six months. While this may not be quite as enticing as a 0% p.a. purchase offer, it could still provide some serious value, especially when you take into account the card’s low annual fee, and the rate the card reverts to after the intro period is up.

While this is a simple card, simple can be awesome. If you don’t want or need complex rewards or extravagant extras, you shouldn’t have to pay for them. Cards that offer rewards and extras tend to have higher annual fees, and often charge more in interest. So, if your focus is on money-saving, you can cut those costs by cutting out those extras with a card such as this.

If you pay off your balance month to month, you have the potential to save even more money with the card’s interest free feature. With up to 44 days interest free on purchases, you can use your card to buy what you need, while saving on interest until the next statement is due. By taking advantage of this, you can enjoy access to credit while paying zip in interest, and only paying out the card’s low annual fee.

What’s not so great...

We know simple is not for everyone. Some of you may want to earn rewards on your credit card spending, especially if you happen to spend big on your card. If you travel a lot, you may want to take advantage of credit card features that make travelling somewhat easier to deal with, such as airport lounge access and upgraded hotel stays.

The BDCU Alliance Bank Visa Credit Card simply doesn’t offer those things. You may find you get more value from a higher cost card that provides the features you need. If that’s the case, check out the options on CreditCard.com.au to find the right card for you.

Why should you choose this card?

You may choose the BDCU Alliance Bank Visa Credit Card for its purchase offer. If you have a large purchase to make, such as a holiday or something for the house, like a TV or a fridge perhaps, you could use the purchase offer to buy now and pay later, instead of taking out a personal loan.

By using a personal loan calculator and checking out personal loan options, you may find this card’s intro offer could save you on interest. And unlike the BDCU Alliance Bank Visa Credit Card, which has one low annual fee to think about, personal loans can come with numerous fees attached, such as establishment fees and monthly fees, making them even more expensive.

However, using a purchase offer in lieu of a personal loan really only works if you can clear your balance before the intro period ends. As long as you can pay off your purchases within that six month intro period, you could enjoy considerable savings. If not, your balance will revert to the card’s purchase rate, possibly making it more expensive than a personal loan.

Alternatively, you may simply use the card as a low cost option ongoing. If you tend to carry a balance on your card, having a low rate on that balance could allow you to pay it down faster while paying less in interest. Of course, clearing your balance is always the best option if you can manage it, as this will allow you to keep your interest costs at zero.

Overall Rating

The BDCU Alliance Bank Visa Credit Card has a low ongoing purchase rate and a low annual fee, offering up to 44 days interest free on purchases, and an intro offer of 7.99% p.a. on purchases for the first six months.

User reviews

BDCU Alliance Bank Visa Credit Card ( based on 1 Creditcard.com.au user review )

46% rating based on 1 review

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates

Purchase rate 12.49% p.a.

Introductory purchase rate 7.99% p.a. for 6 months

Cash advance rate 12.49% p.a.

Interest free on purchases up to 44 days

Credit limits

Minimum credit limt N/A

Maximum credit limit N/A

Fees & repayments

Annual fee $45 p.a.

Additional card holder fee N/A

Foreign transaction fee N/A

Minimum repayment

Cash advance fee N/A

Late payment fee N/A

Additional features

Complimentary insurance

Overseas travel insurance No

Flight inconvenience insurance No

Transport accident cover No

Smartphone screen insurance No

Purchase protection insurance No

Extended warranty insurance No

Rental vehicle excess cover No

Overview

BDCU Alliance Bank Visa Credit Card

The BDCU Alliance Bank Visa Credit Card features a low rate and low annual fee.

Key features

  • 7.99% p.a. for the first six months on purchases
  • 12.49% p.a. ongoing on purchases
  • $45 annual fee
  • Up to 44 days interest free on purchases

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Permanent Resident or Australian Citizen

  • You have your personal details ready to complete the online application

Roland B Bleyer

Roland B Bleyer founded Creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

Recently Asked Questions

Something you need to know about this card? Ask a our credit card expert a question.

(showing the latest 10 Q&As)

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