CUA Credit Cards

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

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

Go to CUA's website
More info

Comparison of CUA Credit Cards

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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.	Go to site More info	Compare	loading Fetching your data...
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 1.00 CUA Rich Life Rewards point per $1 spent, plus receive complimentary travel and purchase protection insurances.	Go to site More info	Compare	loading Fetching your data...

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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