CUA
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CUA

CUA Low Rate Credit Card (no annual fee first year) 0% p.a. 18 months balance transfer plus up to 55 days interest free

Purchase Rate
11.99% p.a.
Cash Advance Rate
21.74% p.a.
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Interest Free
Up to 55 days
Annual Fee
$49.00
Balance Transfer Rate
0% p.a. for first 18 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 18 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.^
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Key Features
Rewards Program
Rewards
Joining Fee
-
Annual Fee
$49.00
Insurance Cover
for Purchases
Overseas ATM
Availability
Automatic Travel
Insurance

Fee & Repayments

Annual Fee $49.00
Annual Fee First Year $0.00
Rewards Joining Fee -
Supplementary Card Fee $0.00
Minimum Repayment Greater of 3% or $35.00
Interest Charged From PurchaseDate
Late Payment Fee $12.50

Other Charges

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
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 from 11/02/2020. This is a limited time only offer which may be withdrawn or changed at any time without notice. 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 18 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. *Earn 25,000 bonus CUA Life Rich Rewards Points on your CUA Brisbane Heat Supporters’ Platinum Credit Card when you spend $1,500 on eligible retail purchases within 3 months from card approval. Cash advances, balance transfers, interest charges, government charges, bank fees, gambling, charge backs, refunds and card account adjustments resulting from disputed transactions are not eligible retail purchases. Bonus points will be added to your CUA Life Rich Rewards account within 10 weeks of the 3 month period ending. Offer is available to members who are approved for a CUA Brisbane Heat Supporters’ Platinum Credit Card between 01/08/2019 until 31/05/2020. 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. 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.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 from 11/02/2020. This is a limited time only offer which may be withdrawn or changed at any time without notice. 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 18 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. *Earn 25,000 bonus CUA Life Rich Rewards Points on your CUA Brisbane Heat Supporters’ Platinum Credit Card when you spend $1,500 on eligible retail purchases within 3 months from card approval. Cash advances, balance transfers, interest charges, government charges, bank fees, gambling, charge backs, refunds and card account adjustments resulting from disputed transactions are not eligible retail purchases. Bonus points will be added to your CUA Life Rich Rewards account within 10 weeks of the 3 month period ending. Offer is available to members who are approved for a CUA Brisbane Heat Supporters’ Platinum Credit Card between 01/08/2019 until 31/05/2020. 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. 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.

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