MyCard Questions and Answers

Below are some frequently asked questions and answers. If your question isn't answered below, please contact one of our Branches or call Card Services on 1300 135 538 and our customer service representatives will be happy to take your call.

Who can apply for a Credit Union MasterCard?

If you are an Australian resident, over 18 years old, with a minimum gross annual income of $20,000 for applicants between 18 and 54 years of age and $15,000 for applicants over 55 years of age, and a credit union member, you can apply for a Credit Union MasterCard.

How do I apply for a Credit Union MasterCard?

Click here to download an application form (18 to 54 years of age or over 55 years) or you can collect an application form from your nearest BHCCU branch. Simply complete and mail the application to Card Services or return it to a branch.

How long will my application take to process?

While we will try and process your application as soon as possible you should allow up to 3 weeks for your application to be processed and for your new MasterCard and PINs to be posted to you.

What's the difference between a Silver and a Gold Credit Union MasterCard?

You have the choice of applying for a Silver card or Gold card (subject to a minimum income criteria of $20,000 p.a. for applicants between 18 and 54 years of age and $15,000 p.a. for applicants over 54 years of age, for Silver Cards and $35,000 p.a. for Gold cards). The Gold card includes all the standard features, plus extra benefits such as higher credit limits, access to Qantas Rewards and free international comprehensive travel insurance. See Key Features for more information.

How do I earn Rewards points?

You earn one Rewards point for every dollar you spend using your Credit Union MasterCard, so use it to pay for everyday shopping, household bills and more to accumulate points faster. Cash advances and balance transfers are excluded. Purchases made by additional cardholders on your account also earn you Rewards points.

Do I have to pay to be part of the Rewards programme?

No. There is no additional cost for the Rewards programme.

What’s the difference between Standard Rewards and Qantas rewards?

You have the choice of applying for a Silver card or Gold card (subject to the income criteria). The Gold card includes all the standard features, plus extra benefits such as higher credit limits, access to Qantas Rewards and free international comprehensive travel insurance. See Key Features for more information.

How much does it cost to have a Credit Union MasterCard?

An annual fee of $45 is payable for the Silver Credit Union MasterCard, which includes free automatic enrolment in the Standard Rewards programme. An annual fee of $85 is payable for the Gold Credit Union MasterCard, which includes free automatic enrolment into Standard Rewards. A Gold Card with Qantas Rewards carries an annual fee of $118.

How do I make payments to my Credit Union MasterCard?

You can make payments using BPAY (via telephone banking or internet banking), over the counter at Australia Post outlets (a fee applies), by cheque or by Easi-Pay. With Easi-Pay, repayments are automatically transferred from your nominated credit union or bank account.

How often will I receive information on my account?

A statement, which details your account balance, available credit, transactions and payment due, will be issued monthly. In addition, all your account details are available at your fingertips by going to www.cardservicesdirect.com.au

MyCard Application - 18 and 54 years of age
MyCard Application - over 55 years