CUA
CUA

CUA Platinum Credit Card (no annual fee first year) 0% p.a. 20 months balance transfer plus up to 55 days interest free

Purchase Rate
19.99% p.a.
Cash Advance Rate
21.74% p.a.
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Interest Free
Up to 55 days
Annual Fee
$149.00
Balance Transfer Rate
0% p.a. for first 20 months
  • Earn one CUA Life Rich Rewards point for every $1 you spend on purchases.^
  • $0 annual fee in the first year- Keep more in your back pocket with no annual fee for the first year.#
  • 0%p.a on Balance transfers- Pay no interest for 20 months on balances transferred to your CUA Platinum Credit Card.*
  • Complimentary Insurances- Do more of what you love with free travel and purchase protection insurance.

Key Features
Rewards Program
Rewards
Joining Fee
$0.00
Annual Fee
$149.00
Insurance Cover
for Purchases
Overseas ATM
Availability
Automatic Travel
Insurance

Rewards Program

Fee & Repayments

Annual Fee $149.00
Annual Fee First Year $0.00
Rewards Joining Fee $0.00
Supplementary Card Fee $0.00
Minimum Repayment Greater of 3% or $35.00
Interest Charged From PurchaseDate
Late Payment Fee $12.50

Rewards Program

Rewards Points per Dollar 1
Linked to Frequent Flyer
Spend to Redeem $100 Gift Card* $25,000.00
Frequent Flyer Ratio
Spend at Loyalty Partner for $100 Gift Card*
SPEND FOR SYD/MEL RETURN* -
Lifetime of Points
Rewards Program Partners Pin Point
Rewards Bonus Points Partners
Domestic Airlines
International Airlines
Conditions Rewards are only available with the CUA Platinum Card. CUA Life Rich Rewards Points accrue in accordance with the “CUA Platinum Credit Card – Terms & Conditions for Other Benefits”. Points relating to

Other Charges

Duplicate Statement Fee -
Overseas ATM Balance Fee $0.00
Transaction Verification Fee -
Overseas ATM Withdrawal Fee $3.50
Over Limit Fee $0.00
Overseas Emergency Card Replacement Fee $30.00
Terms & Conditions
1 Lending criteria, fees, charges, CUA Credit Card Conditions of Use apply. Credit Union Australia Limited ABN 44 087 650 959 Australian credit licence 238317 (CUA) is the issuer of the CUA Platinum and Low Rate Credit Card. 2 Offer only available to new and approved CUA Credit Card applicants. Offer not available to transfers from existing CUA Credit Cards. Only one application per account accepted (consolidate up to 3 non-CUA Credit Cards per application). The balance transfer application must be applied for within 3 months of the Disclosure Date in your Offer and Card Contract. Your total balance transfer may not exceed 80% of your credit limit. CUA may allow this to be exceeded at our discretion. The Promotional Interest Rate Period of 0% p.a. interest rate will apply for 20 months from the date the balance transfer application is processed. At the end of that Promotional Interest Rate Period, the Cash Advance Rate (currently 21.74%p.a. as at 17 January 2020 and is subject to change) will apply to any part of the balance transfer which remains unpaid. The 55 days interest free period on purchases will not apply while any balance transfer amount remains outstanding. This means that all purchases will be charged interest at the applicable annual percentage rate. 3 The interest free period of up to 55 days applies to purchases when you pay your balance off in full by the payment due date. If you carry over a balance on your credit card from one month to the next, the 55 days’ interest-free period does not apply and you are charged interest once you make a purchase. No interest free period is available on Cash Advances or Balance Transfers. 4 After the first year has expired, an Annual Fee of $49 for Low Rate cards and $149 on Platinum cards will be applied each year. Fees are current as at 17 December 2018 and are subject to change. 5 Rewards are only available with the CUA Platinum Card. CUA Life Rich Rewards Points accrue in accordance with the “CUA Platinum Credit Card – Terms & Conditions for Other Benefits”. Points relating to the use of the card will be awarded for credit purchases only, capped at 100,000 points per year. You will not earn Rewards Points on interest charges; government charges; bank fees; gambling, cash advances, balance transfers and card account adjustments resulting from disputed transactions. 6 Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 of Level 16, 310 Ann Street, Brisbane, Queensland 4000 (trading as Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 of 2 Market Street, Sydney NSW 2000 has issued an insurance group policy to Credit Union Australia Limited (CUA) ABN 44 087 650 959 and Australian credit licence 234708 of 145 Ann Street, Brisbane QLD 4000 which allows eligible CUA account holders and cardholders to claim under it as third party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the "CUA Platinum Credit Card - Terms & Conditions for Other Benefits" which may be amended from time to time. CUA does not guarantee this insurance. Mastercard and the Mastercard brand mark are registered trademarks of Mastercard International Incorporated. Apple, the Apple logo, Apple Pay, Apple Watch, iPad, iPhone, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay works with iPhone 6 and later in stores, apps, and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2, and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices. see https://support.apple.com/km207105. Apple, the Apple logo, Apple Pay, Apple Watch, iPad, iPhone, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. Google, Google Pay, and the Google Pay Logo are trademarks of Google Inc. Payments using Google Pay are available for NFC enabled phones running on Android Lollipop 5.0 or above.

* For cards with reward programs that allow you to earn points, unless otherwise noted, the best case scenario of everyday spending is used when calculating the spend required to earn a reward. Everyday spending does not include bonus points that may be earned by shopping with loyalty partners. For rewards programs that have monthly caps, we assume you stay under that cap and for products with two cards, we assume spending is with the highest earning card. For programs that allow you to convert points for air travel at a price that changes from day to day, we have assumed that the flight is $300 (taxes and charges inclusive).

Visa® is a registered trademark of Visa International Services Association.
The MasterCard® brand is a registered trademark of MasterCard International Incorporated.