CUA Low Rate Credit Card

Purchase Rate

11.99 %
p.a.
Cash Advance Rate
21.74% p.a.
Interest Free
Up to 55 days
Annual Fee
$49.00
Balance Transfer Rate
0% p.a.
for first 13 months
  • 11.99%p.a. on purchases - Enjoy an amazingly low 11.99% 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 13 months on balances transferred to your CUA Platinum Credit Card.*
  • Up to 55 days interest free-No interest on purchases for up to 55 days.^

Card Details

Rewards Program Overseas ATM Availability
Insurance Cover for Purchases Automatic Travel Insurance
Terms & Conditions
#After the first year has expired, an Annual Fee of $49 for Low Rate cards will be applied each year. Fees are current as at 31 May 2016 and are subject to change. *Your total balance transfer may not exceed 80% of your credit limit. CUA may allow this to be exceeded at our discretion. The 0% p.a. interest rate will apply for 13 months from the date of processing to any Balance Transfer which is applied for within 3 months of the Disclosure Date in your Offer and Card Contract. At the end of that Promotional Interest Rate Period, any part of the Balance Transfer which remains unpaid will be included in the Balance Transfers Balance and the Cash Advance Rate (currently 21.74% p.a.) will apply. The 0% p.a. balance transfer interest rate will not apply to transfers from other CUA-issued credit cards. This offer can be withdrawn at any time. The 55 day interest free period on purchases will not apply while any balance transfer amount remains outstanding. ^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.

* 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.

CUA Low Rate Credit Card

Purchase Rate 11.99 % p.a.
Cash Advance Rate 21.74% p.a.
Interest Free Up to 55 days
Annual Fee $49.00
Balance Transfer Rate 0 % p.a. for first 13 months

Top Features

  • 11.99%p.a. on purchases - Enjoy an amazingly low 11.99% on purchases.
  • $0 annual fee in the first year - Keep more in your back pocket with no annual fee for the first year.#
Show More Top Features

More Information

Rewards Program
Overseas ATM Availability
Insurance Cover for Purchases
Automatic Travel Insurance
Annual Fee $49.00
Minimum Repayment Greater of 3% or $35.00
Annual Fee First Year $0.00
Interest Charged From PurchaseDate
Rewards Joining Fee -
Late Payment Fee $12.50
Supplementary Card Fee $0.00
Duplicate Statement Fee $0.00
Overseas ATM Balance Fee 0.00%
Transaction Verification Fee $0.00
Overseas ATM Withdrawal Fee $3.50
Over Limit Fee $0.00
Overseas Emergency Card Replacement Fee $30.00
Terms & Conditions

#After the first year has expired, an Annual Fee of $49 for Low Rate cards will be applied each year. Fees are current as at 31 May 2016 and are subject to change. *Your total balance transfer may not exceed 80% of your credit limit. CUA may allow this to be exceeded at our discretion. The 0% p.a. interest rate will apply for 13 months from the date of processing to any Balance Transfer which is applied for within 3 months of the Disclosure Date in your Offer and Card Contract. At the end of that Promotional Interest Rate Period, any part of the Balance Transfer which remains unpaid will be included in the Balance Transfers Balance and the Cash Advance Rate (currently 21.74% p.a.) will apply. The 0% p.a. balance transfer interest rate will not apply to transfers from other CUA-issued credit cards. This offer can be withdrawn at any time. The 55 day interest free period on purchases will not apply while any balance transfer amount remains outstanding. ^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.

* 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.