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CUA Credit Cards

CUA provides a low rate and a platinum credit card, and both come with introductory balance transfer offers.

CUA is the largest customer-owned financial institution in the country. It offers its customers a range of financial products and services one would typically associate with a bank, including two Mastercard credit cards. Use this guide to compare your options and decide if a CUA credit card is right for you.

CUA Low Rate Credit Card

CUA Credit Card Offer

A low rate card with a long-term introductory rate on balance transfers, interest-free days on purchases and a waived annual fee for the first year.

  • $0 p.a. annual fee for the first year ($49 p.a. thereafter)
  • 11.99% p.a. on purchases
  • 0% p.a. for 13 months on balance transfers
  • Cash Advance Rate of 21.74% p.a.
  • Up to 55 days interest free

Comparison of CUA Credit Cards

Rates last updated July 28th, 2017
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
CUA Low Rate Credit Card
11.99% p.a.
0% p.a. for 13 months
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
Receive up to 55 days interest-free on purchases and the ability to use Apple Pay and Android Pay.
CUA Platinum Credit Card
19.99% p.a.
0% p.a. for 13 months
$0 p.a. annual fee for the first year ($149 p.a. thereafter)
Collect 1 CUA Rich Life Rewards point per $1 spent, plus receive complimentary travel and purchase protection insurances.

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Types of credit cards from CUA

CUA offers two different Mastercard credit cards, both of which offer easy access to funds just about anywhere in the world. These cards offer different features designed to suit a range of people. Here’s what you can expect from each:

  • Low rate credit card

This type of credit card offers a low standard variable interest rate on purchases and usually comes with minimal features. The CUA Low Rate Credit Card charges a competitive 11.99% p.a. (variable) on purchases. It also allows you to save money on existing debt with a 0% p.a. balance transfer offer for the first 13 months. This card offers a $0 annual fee in the first year, normally $49 p.a.

Learn more about Low Rate Credit Cards

  • Platinum credit card

The CUA Platinum Credit Card is a premium product that comes linked to the CUA Life Rich Rewards program, enabling you to earn and redeem reward points as you use the card. It also offers complimentary international travel insurance, transit accident insurance, purchase protection insurance covers, and a concierge service. This card comes with an introductory 0% p.a. balance transfer rate for the first 13 months. It charges an annual fee of $149, which is waived in the first year.

Learn more about Platinum Credit Cards

Benefits of a CUA credit card

Some of the features and benefits you can enjoy with a CUA credit card include:

  • Balance transfer offers

CUA credit cards allow you to consolidate your existing card debt and save money on interest with competitive balance transfer offers. The CUA Low Rate Credit Card offers 0% p.a. on balance transfers for the first 13 months. Similarly, the CUA Platinum Credit Card offers 0% p.a. balance transfer rate for the first 13 months. Please note that the standard cash advance rate will apply once the promotional offer ends.

  • Interest-free days

Both CUA credit cards offer up to 55 interest-free days on purchases. To enjoy these interest-free days, you have to pay your account’s outstanding balance in full every month.

  • Additional cards

If you choose to get a CUA credit card, you can request up to 9 additional cards. This allows you to share your account with a partner or family member, and could help maximise your reward point earnings if you choose the CUA Platinum Credit Card. Keep in mind that you remain liable for all purchases made using additional cards linked to your primary card.

  • Online and mobile banking

Keep track of your credit card transactions and manage your account 24/7 from anywhere using CUA’s online banking platform or mobile banking app.

  • ATM network

CUA customers can access their accounts through the entire rediATM network, which comprises of more than 3,000 ATMs across Australia.

  • CUA member benefits

CUA ensures that its profits go back to its customers in the form of lower fees and better rates. It also gives you the ability to bundle products such as credit cards and home loans, which can simplify your banking and help you save more on fees. In addition to these benefits, CUA members can participate in its governance, ask questions about management and financial performance and even have voting rights at the Annual General Meeting.

How to apply for a CUA credit card

You can apply for a CUA credit card online in just four steps. Before you apply, make sure you meet the eligibility requirements and have all the relevant details on hand to speed up the process.

Eligibility criteria

  • You must be at least 18 years old
  • You must be a permanent resident of Australia
  • Other criteria will also apply

Required documents

  • Personal details. Your complete name, date of birth, marital status, number of dependents, and mother’s maiden name.
  • Contact details. Your residential address, time spent there, residential status, phone number, and email address.
  • Employment details. Your employment status, employer’s name and contact details, and time spent with current employer
  • Financial details. This includes information on our assets, such as investments, shares or savings. It also includes details of any existing debts and loans, as well as regular payments such as rent and household bills.

CUA credit cards provide a competitive range of features that are designed to suit a wide range of different lifestyles and needs. When considering one of these credit cards, make sure you check all the requirements and fine print. It's also important to compare a range of other options so that you can choose a credit card that suits your needs.

Frequently asked questions

You can apply for a CUA credit card online via a secure application form. This process has four steps to it, where you provide information about yourself and your finances. It should only take around 15-20 minutes to complete the application, and you should hear from CUA soon after submitting it.

If CUA approves your application you might have to verify your identify by sharing supporting documentation or by visiting a branch. After CUA verifies your identity, it dispatches your credit card and PIN.

To take advantage of the special balance transfer rate you have to inform CUA of your intention to transfer balances when you apply. You will need to include details of the debts you wish to balance transfer on your application. Note that you cannot transfer more than 80% of your new card’s credit limit. You also cannot use your new card to transfer balances from existing CUA credit cards.

You have to provide the name of the card issuer, your account number, and the amount you wish to transfer.

Yes, you can. Cash advances attract a higher interest rate than purchases, though. CUA also charges a cash advance fee worth 2.00% of the cash advance amount, with minimum of $3.50. Note that cash advance transactions are not eligible for interest-free days, which means you'll pay interest from the time the transaction is made.

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25 Responses

  1. Default Gravatar
    ShirleyDecember 30, 2016

    I am on the age pension do I qualify with no debts 22,880 per year

    • Default Gravatar
      MaureenMay 23, 2017

      We are CUA.members we have credit cards with ANZ and Westpac
      we have nothing oweing on Westpac Master card and $approx $1600 on Visa Anz can I transfer to your card from Anz with zero interest?

    • Staff
      HaroldMay 24, 2017Staff

      Hi Maureen,

      Thank you for your inquiry.

      Some credit cards have restrictions around which institutions you can balance transfer your debts from. This usually happens when credit card companies have financial ties to one another, or when both credit card companies are actually being financed by the same larger lending institution. You may want to consider the available option/s here.

      I hope this information has helped

      Cheers,
      Harold

    • Staff
      MayDecember 30, 2016Staff

      Hi Shirley,

      Thank you for your inquiry.

      Unfortunately, you must be employed when you apply for the CUA credit card. The banks/credit card companies that may accept applications from retired and pensioner applicants are listed here. On the same page, you can find the documents you’ll need to improve your chances of approval.

      Hope that helps.

      Cheers,
      May

  2. Default Gravatar
    TerryFebruary 4, 2016

    I have a platinum master card with CUA. Iam travelling to Canada & America in May 2016.I believe i get free travel insurance if holiday is purchased via my card.How do i get details for my travel insurance.
    Regards Terry Murray

    • Staff
      SharonFebruary 4, 2016Staff

      Hi Terry,

      Thanks for you inquiry.

      Complimentary Travel Insurance is provided automatically to CUA cardholders. For complete details about this cover, you may refer to CUA’s travel insurance PDS I have sent to your email.

      Cheers,

      Sharon

  3. Default Gravatar
    kenMay 7, 2015

    How do I make my account MasterCard paperless?

    • Staff
      JonathanMay 7, 2015Staff

      Hi Ken, thanks for your inquiry!

      Receiving paperless statements can be requested through CUA online account login or by contacting CUA directly.

      Cheers,

      Jonathan

  4. Default Gravatar
    PatMarch 24, 2015

    What airlines would I be able to receive frequent flyer points with my cua credit card?

    • Staff
      JonathanMarch 24, 2015Staff

      Hi Pat, thanks for your inquiry!

      Unfortunately at this point of time there is no frequent flyers program available with CUA. Please see the following page for a list of frequent flyers credit cards.

      Cheers,

      Jonathan

  5. Default Gravatar
    PaulMarch 14, 2015

    I have no credit history .

    • Staff
      JonathanMarch 16, 2015Staff

      Hi Paul, thanks for your inquiry!

      CUA will assess your personal situation including identification requirements and financial information. More details on these criteria are available in the ‘Information needed for a CUA credit card application’ section on this page.

      Cheers,

      Jonathan

  6. Staff
    ElizabethNovember 24, 2014Staff

    Hi Kashif,

    Thanks for your question.

    You can find out about applying for a credit card as a temporary resident on this page.

    I hope this will help.

    Thanks,

    Elizabeth

  7. Default Gravatar
    migonOctober 27, 2014

    can u please send travel insurance policy document. thanks.

    • Staff
      ElizabethOctober 28, 2014Staff

      Hi Migon,

      Thanks for your question.

      I’ve emailed you a link to the document.

      Thanks,

      Elizabeth

  8. Default Gravatar
    GrantApril 22, 2014

    Could you send me the policy document with details of the complimentary travel insurance which comes with my CUA Platinum mastercard?

    • Staff
      ShirleyApril 24, 2014Staff

      Hi Grant,

      Thanks for your question.

      I’ve sent a link to the PDF to your inbox.

      Cheers,
      Shirley

  9. Default Gravatar
    LAJanuary 27, 2014

    Could you send me the policy document with details of the complimentary travel insurance which comes with my CUA Platinum mastercard?

    • Staff
      MarcJanuary 28, 2014Staff

      Hi LA,
      thanks for the question.

      The CUA Platinum card has insurance offered by Zurich. I’ve emailed you a link to the policy document.

      Cheers,
      Marc.

    • Default Gravatar
      kathyMarch 27, 2014

      I purchased 5 airline tickets for myself and family. Can you please tell me if I am covered for insurance and what extent. Do I still need to take additional cover. Thanks

    • Staff
      JacobMarch 28, 2014Staff

      Hi, Kathy.

      I have sent the policy document to your email.

      Thanks for your question.

  10. Default Gravatar
    DDecember 25, 2013

    Am I covered for free travel insurance if I have CUA Platinum MasterCard

    Thanks

    • Staff
      JacobDecember 26, 2013Staff

      Hi D.

      International travel insurance is a complimentary benefit currently included with this card. I have sent the policy document to your email. It has information on eligibility requirements and a description of the cover.

      I hope this helps.

    • Default Gravatar
      PaulMay 26, 2014

      Hi my name is Paul I wish to f/u complimentary travel insurance with my platinum master card we are traveling o/seas p/o cruise in aug 2014 can you send me full policy details please

    • Staff
      ShirleyMay 28, 2014Staff

      Hi Paul,

      Thanks for your question.

      I’ve emailed you the Product Disclosure Statement for this product.

      Cheers,
      Shirley

Credit Cards Comparison

Rates last updated July 28th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
NAB Premium Card - Exclusive Offer
Exclusive to finder.com.au, enjoy a no BT fee, long-term balance transfer offer with platinum privileges, including travel insurance.
19.74% p.a. 0% p.a. for 24 months $90 p.a. Go to site More info
Qantas American Express Ultimate Card - Online Offer
Apply by 31 July 2017 to earn 100,000 bonus Qantas Points and get 2 American Express Airport Lounge entries each calendar year.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $450 p.a. Go to site More info
St.George Vertigo Platinum
Offers complimentary travel insurance, complimentary purchase insurance and access to a 24/7 personal concierge service.
12.74% p.a. 0% p.a. for 20 months $99 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Exclusive Offer
Apply by 31 July 2017 to receive a long-term, no fee balance transfer and a $129 Virgin Australia Gift Voucher each year.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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