CUA Brisbane Heat supporters’ Platinum credit card

Last updated: Aug 15, 2020

Show support for your team and enjoy a $0 first year annual fee, rewards points for your spending and complimentary travel insurance.

The CUA Brisbane Heat supporters’ Platinum is a rewards credit card that earns 1 CUA Platinum Rewards point per $1 spent on purchases.

If you’re a new cardholder, you can save with a $0 annual fee in the first year (reverts to $149 p.a.). You could also take advantage of an introductory rate of 0% p.a. interest on balance transfers for the first 20 months with no balance transfer fee.

0% p.a.

Balance transfer rate

for 20 months

25,000

Bonus points

19.99% p.a.

Purchase rate

Reward point

Per $ spent

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Details

Product Name	CUA Brisbane Heat supporters' Platinum Credit Card
Rewards program	CUA Platinum Rewards Program
Balance transfer rate	0% p.a. for 20 months
Balance transfer revert rate	Cash Advance Rate (21.74% p.a.)
Balance transfer limit	80% of available limit
Purchase rate	19.99% p.a.
Annual fee	$0 annual fee for the first year ($149 p.a. thereafter)
Interest-free period	Up to 55 days on purchases
Cash advance rate	21.74% p.a.
Min credit limit	$5,000
Card type	Mastercard
Foreign currency conversion fee	3.4%

Available to temporary residents	No
Joint application	No

Pros

25,000 bonus CUA Life Rich Rewards points when you spend $1,500 within the first 3 months
$0 annual fee for the first year
Introductory balance transfer rate of 0% p.a. for 20 months, with no balance transfer fee
Up to 55 days interest-free on purchases

Cons

A variable cash advance rate of 21.74% p.a. applies at the end of the promotional balance transfer period.

Rewards program	CUA Platinum Rewards Program
Bonus points	25,000
Rewards points per $ spent	1
Rewards points cap	100,000

Annual fee	$0 annual fee for the first year ($149 p.a. thereafter)
Minimum monthly repayment	3% of the closing balance or $35, whichever is greater
Late payment fee	$12.50
Foreign currency conversion fee	3.4%
Cash advance fee	2% or $3.50, whichever is greater
Number of additional cardholders	9

Expert review

Review by

Amy Bradney-George

amy.bradney-george@finder.com

Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

With a stylish design that features the Brisbane Heat logo and blue flames on a black background, this card lets you show your team colours whenever you pay with plastic. The CUA Brisbane Heat supporters' Platinum also earns 1 point per $1 spent on purchases, with rewards including travel, gift cards and merchandise. But keep in mind that, unlike many credit card rewards programs, CUA Platinum Rewards does not offer frequent flyer point transfers.

Beyond rewards, you can enjoy the benefits of complimentary international travel insurance, transit accident insurance and purchase protection cover.

Alongside these benefits is a standard annual fee of $149 p.a. that’s waived in the first year and a purchase rate of 19.99% p.a. While these costs are comparable to other platinum rewards cards, it’s still worth comparing other options so you can find one with a mix of benefits and costs that suit you.

How to apply

You can apply for the CUA Brisbane Heat supporters' Platinum Mastercard online in a few minutes. Before you get started, make sure you meet the following eligibility requirements and have all the essential documents and details on hand.

Eligibility criteria

Residency. You must be an Australian citizen or permanent resident with an Australian residential address.
Brisbane Heat supporter. This card is designed for Brisbane Heat supporters who have bought a membership with the club.

Age. You must be at least 18 years old to apply.
Bankruptcy status. You must not currently be bankrupt.

Required documents

Personal information. You need to share details including your full name, date of birth, residential address, email address and contact number. You'll also have to provide a valid form of ID such as your driver's licence, passport or Medicare number.
Employment details. This includes your current employment status, job title, salary and employer's contact information. You may also need to provide recent payslips to verify those details.
Financial information. This covers any income from other sources, assets such as savings accounts and existing debts you may have from other cards, loans or mortgages. You'll also need to provide details of your household expenses such as rent, grocery shopping and transport costs.
Balance transfer details. If you want to take advantage of the balance transfer offer on this card, you need to provide details of your existing debt. This includes the account name, account number, BSB and the total amount of debt you want to transfer. Note that you can request a balance transfer worth up to 80% of your available credit limit for debt held on Australian credit cards not issued by CUA.

Card benefits

25,000 bonus points. You can get a bonus 25,000 CUA Platinum Rewards points with this card if you apply and are approved by 28 February 2021, and spend $1,500 on purchases in the first 3 months.
$0 first year annual fee. In the first 12 months you have this card, you'll enjoy a $0 annual fee. After that, an annual fee of $149 p.a. will apply to the account.

0% p.a. on balance transfers for 20 months. If you have existing credit card debt you want to pay off, this card offers an introductory 0% p.a. interest rate on balance transfers for the first 20 months with no balance transfer fee. The variable cash advance rate of 21.74% p.a. will apply to any debt left over at the end of the introductory period.
Brisbane Heat benefits. This card comes with the Brisbane Heat logo and colours on it and gives you access to a free Heat VR App that offers you a virtual reality tour of the Gabba and exclusive Brisbane Heat video content.
Rewards program. This card earns 1 CUA Platinum Rewards point per $1 spent on eligible purchases, with a cap of 100,000 per year. You can redeem your points for a range of travel and lifestyle rewards available through the CUA Platinum Rewards program.
Complimentary travel insurance. Use the CUA Brisbane Heat supporters' Platinum card to pay for at least $500 of your travel costs before you go overseas to activate the complimentary international travel insurance cover available through this card. This insurance can also cover an eligible spouse and/or dependents travelling with you. If you pay for your entire trip on the card, you'll also enjoy complimentary transit accident insurance.
Complimentary purchase protection insurance. Get peace of mind with up to 90 consecutive days of worldwide cover against loss, theft or accidental damage for eligible items you pay for with your CUA Brisbane Heat supporters' Platinum Mastercard.
Interest-free days on purchases. If you pay your account off in full by the due date on each statement, you can get up to 55 days interest free on purchases. Note that interest-free days are not available for cash advances or if you carry a balance from a balance transfer.
Contactless and mobile payments. This credit card is compatible with both Apple Pay and Google Pay. It also offers contactless payments at the checkout.

Rates & fees

Annual fee. Outside of any promotions, this card charges a standard annual fee of $149 p.a. To decide if this card offers you value, make sure you weigh this cost against the card's potential benefits, such as rewards and complimentary insurance.
Purchase rate. If you use this card for purchases and don't pay them off by the due date on your statement, an interest rate of 19.99% p.a. will apply to the balance.

Cash advance rate. If you use this card to get cash out or for any other cash advance transaction, a variable interest rate of 21.74% p.a. will apply. Note that this rate also applies for any balance transfer debt remaining at the end of the promotional period.
International transaction fee. A fee of 3.4% of the transaction value applies when you use this card overseas or to pay for online purchases with a merchant based overseas.

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CUA Brisbane Heat supporters’ Platinum credit card