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CUA Credit Cards

CUA provides a low rate and a platinum credit card, as well as two Brisbane Heat credit cards.

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CUA

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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.

Comparison of CUA credit cards

Data indicated here is updated regularly
$
% p.a.
Name Product Balance transfer rate Purchase rate Annual fee Amount saved
CUA Low Rate Credit Card
CUA Low Rate Credit Card
0% p.a. for 20 months
11.99% p.a.
$0 annual fee for the first year ($49 p.a. thereafter)
Take advantage of a 0% p.a. balance transfer rate for 20 months, $0 first year annual fee, and a low variable 11.99% p.a. interest rate on purchases.
More Info
CUA Platinum Credit Card
CUA Platinum Credit Card
0% p.a. for 20 months
19.99% p.a.
$0 annual fee for the first year ($149 p.a. thereafter)
Get 1 CUA Platinum Rewards point per $1, complimentary travel insurance, a $0 first year annual fee and a 20-month balance transfer offer.
More Info
CUA Brisbane Heat supporters' Platinum Credit Card
CUA Brisbane Heat supporters' Platinum Credit Card
0% p.a. for 20 months
19.99% p.a.
$0 annual fee for the first year ($149 p.a. thereafter)
Receive up to 20 months interest-free on balance transfers, plus a $0 first year annual fee and 25,000 bonus CUA Platinum Rewards points.
More Info
CUA Brisbane Heat supporters' Low Rate Credit Card
CUA Brisbane Heat supporters' Low Rate Credit Card
0% p.a. for 20 months
11.99% p.a.
$0
Enjoy 0% p.a. on balance transfers for 20 months. Plus, an ongoing $0 annual fee.
More Info
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Compare up to 4 providers

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% balance transfer offer for the first 20 months. This card offers a $0 annual fee in the first year, normally $49.

  • Platinum credit card

The CUA Platinum Credit Card is a premium product that comes linked to the CUA Platinum 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 and purchase protection insurance covers. This card comes with an introductory 0% balance transfer rate for the first 20 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 20 months. Similarly, the CUA Platinum Credit Card offers 0% p.a. balance transfer rate for the first 20 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.

Frequently asked questions

More guides on Finder

  • CUA Brisbane Heat supporters’ Low Rate Credit Card

    Created especially for Brisbane Heat members, this CUA credit card features the team’s colours and logo and charges low rates and fees.
  • CUA Brisbane Heat supporters’ Platinum credit card

    The CUA Brisbane Heat supporters’ Platinum credit card lets you show your team colours while enjoying rewards for your spending and complimentary insurance. Read our full review and apply here.
  • CUA Low Rate Credit Card

    The CUA Low Rate Credit Card comes with $0 annual fee for the first year, up to 55 days interest-free on purchases and a 0% balance transfer rate for the first 13 months.
  • CUA Platinum Credit Card

    Earn rewards as you spend, save with a balance transfer offer and enjoy complimentary travel insurance with the CUA Platinum.

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29 Responses

  1. Default Gravatar
    ToulaAugust 14, 2019

    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

    Reply
    • Default Gravatar
      NikkiAugust 14, 2019

      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

      Reply
  2. Default Gravatar
    AnnaOctober 10, 2017

    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.

    Reply
    • Avatarfinder Customer Care
      JhezOctober 10, 2017Staff

      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

      Reply
  3. Default Gravatar
    ShirleyDecember 30, 2016

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

    Reply
    • Default Gravatar
      MaureenMay 23, 2017

      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?

      Reply
    • Avatarfinder Customer Care
      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

      Reply
    • Avatarfinder Customer Care
      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

      Reply
  4. 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

    Reply
    • Avatarfinder Customer Care
      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

      Reply
  5. Default Gravatar
    kenMay 7, 2015

    How do I make my account MasterCard paperless?

    Reply
    • Avatarfinder Customer Care
      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

      Reply
  6. Default Gravatar
    PatMarch 24, 2015

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

    Reply
    • Avatarfinder Customer Care
      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

      Reply
  7. Default Gravatar
    PaulMarch 14, 2015

    I have no credit history .

    Reply
    • Avatarfinder Customer Care
      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

      Reply
  8. Avatarfinder Customer Care
    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

    Reply
  9. Default Gravatar
    migonOctober 27, 2014

    can u please send travel insurance policy document. thanks.

    Reply
    • Avatarfinder Customer Care
      ElizabethOctober 28, 2014Staff

      Hi Migon,

      Thanks for your question.

      I’ve emailed you a link to the document.

      Thanks,

      Elizabeth

      Reply
  10. 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?

    Reply
    • Avatarfinder Customer Care
      ShirleyApril 24, 2014Staff

      Hi Grant,

      Thanks for your question.

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

      Cheers,
      Shirley

      Reply

Credit Cards Comparison

Data indicated here is updated regularly
Name Product Purchase rate Balance transfer rate Annual fee
Coles No Annual Fee Mastercard - Exclusive Offer
Coles No Annual Fee Mastercard - Exclusive Offer
0% for 12 months, reverts to 19.99% p.a.
0% p.a. for 12 months
$0
Finder Exclusive. Ends 29 October 2020
Save on new and existing interest charges with 0% interest on both balance transfers and purchases for the first 12 months.
Go to site
More Info
ANZ Low Rate
ANZ Low Rate
12.49% p.a.
0% p.a. for 25 months with 1.5% balance transfer fee
$0 annual fee for the first year ($58 p.a. thereafter)
Save with 0% p.a on balance transfers for 25 months (with a 1.5% BT fee) and $0 first year annual fee. Plus a 12.49% p.a. purchase interest rate.
Go to site
More Info
Qantas American Express Premium Card
Qantas American Express Premium Card
20.74% p.a.
$249
Enjoy 100,000 bonus Qantas Points, 50 bonus Status Credits and 2 complimentary Qantas Club lounge invitations per year.
Go to site
More Info
Citi Rewards Card - $500 Voucher Offer
Citi Rewards Card - $500 Voucher Offer
21.49% p.a.
0% p.a. for 12 months
$99 annual fee for the first year ($199 p.a. thereafter)
Get a $500 e-voucher to spend at Myer, JB Hi-Fi or Coles when you spend $3,000 in the first 90 days. Plus, earn points with the Citi Rewards Program.
Go to site
More Info
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* 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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