CUA credit card features include low rates and fees, rewards, complimentary insurance and introductory balance transfer offers. It is also one of the only credit card providers to offer sports credit cards, with two options designed especially for paid-up Brisbane Heat members. Use this guide to compare your options and decide if a CUA credit card is right for you.
CUA Credit Card Offer
CUA Low Rate Credit Card
0% p.a. for 13 months on balance transfers
$0 annual fee for the first year
Eligibility criteria, terms and conditions, fees and charges apply
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
- Cash advance rate of 21.74% p.a.
- Up to 55 days interest free
Comparison of CUA credit cards
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.
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 platinum card benefits including 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.
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.
Brisbane Heat benefits
If you're a paid-up Brisbane Heat member, you can show your team colours by getting either the CUA Brisbane Heat supporters' Low Rate or CUA Brisbane Heat supporters' Platinum Credit Card. Both of these cards feature Brisbane Heat designs and the team's logo, as well as exclusive introductory offers. Don't have a Brisbane Heat membership subscription? Being a CUA member will still give you access to exclusive offers, such as Brisbane Heat ticket deals and a free Heat VR app that offers a virtual reality tour of the Gabba.
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.
I applied for a CUA credit card on 8/8/19, can you please advise when I am likely to hear back on whether my application has been approved.
thanks
Hi Toula,
Thanks for leaving a question on our page about your CUA credit card application follow up. While we review CUA on our pages, kindly note that Finder does not work with CUA and therefore we don’t have access to their records. Unfortunately, we aren’t able to check the status of your credit card application. Best to reach out to them for a follow up.
Hope this clarifies!
Kind regards,
Nikki
Hi, I have a low rate CUA Mastercard. I frequently purchase online from overseas and am getting charged a foreign currency fee. Is there anyway to avoid this? Would using my debit card or PayPal be a better option?
Thanks.
Hi Anna,
Thank you for your comment.
For CUA Platinum and Low Rate Credit card, the Foreign Currency Conversion fee is 3.4% of the transaction value. This takes place when you make a transaction that is converted by a credit card network from AUD to foreign currency. This is one of the features of this card. Here’s a page to compare 0% Foreign Fees Credit Cards.
Hope this helps.
Regards,
Jhezelyn
I am on the age pension do I qualify with no debts 22,880 per year
We are CUA.members we have credit cards with ANZ and Westpac
we have nothing owing on Westpac Master card and $approx $1600 on Visa Anz can I transfer to your card from Anz with zero interest?
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
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
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
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
How do I make my account MasterCard paperless?
Hi Ken, thanks for your inquiry!
Receiving paperless statements can be requested through CUA online account login or by contacting CUA directly.
Cheers,
Jonathan
What airlines would I be able to receive frequent flyer points with my cua credit card?
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
I have no credit history .
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
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
can u please send travel insurance policy document. thanks.
Hi Migon,
Thanks for your question.
I’ve emailed you a link to the document.
Thanks,
Elizabeth
Could you send me the policy document with details of the complimentary travel insurance which comes with my CUA Platinum mastercard?
Hi Grant,
Thanks for your question.
I’ve sent a link to the PDF to your inbox.
Cheers,
Shirley