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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.

CUA credit card features range from low rates and fees to 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 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
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Comparison of CUA Credit Cards

Rates last updated December 13th, 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)
Take advantage of a 0% p.a. balance transfer rate for 13 months, $0 first year annual fee, and a low ongoing 11.99% p.a. interest rate on purchases.
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, receive complimentary travel insurance, a $0 first year annual fee and a balance transfer offer.
CUA Brisbane Heat supporters' 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)
Enjoy a $0 annual fee for the first year and receive 25,000 bonus CUA Life Rich Rewards points. Plus, a 13 month balance transfer offer.
CUA Brisbane Heat supporters' 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)
Enjoy $0 annual fee for the first year and receive $100 cashback on eligible spend. Plus, a 0% p.a. for 13 months balance transfer offer.

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% 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.

  • 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

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Read more on this topic

NAB Premium Card - Exclusive Offer
NAB Premium Card - Exclusive Offer

Interest rate

19.74

Annual fee

90
St.George Vertigo Platinum - Online Offer
St.George Vertigo Platinum - Online Offer

Interest rate

12.74

Annual fee

99
Woolworths Everyday Platinum Credit Card
Woolworths Everyday Platinum Credit Card

Interest rate

19.99

Annual fee

49
Virgin Money Low Rate Credit Card
Virgin Money Low Rate Credit Card

Interest rate

11.99

Annual fee

49

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27 Responses

  1. 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.

    • Staff
      JhezelynOctober 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

  2. 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 owing 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

  3. 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

  4. 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

  5. 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

  6. 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

  7. 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

  8. 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

  9. 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

  10. 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.

Credit Cards Comparison

Rates last updated December 13th, 2017
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
NAB Premium Card - Exclusive Offer
19.74% p.a.
0% p.a. for 25 months
$90 p.a.
Exclusive to finder.com.au, enjoy a no BT fee, 0% balance transfer offer for 25 months and seven complimentary insurance covers.
St.George Vertigo Platinum - Online Offer
12.74% p.a.
0% p.a. for 24 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers complimentary travel insurance, complimentary purchase insurance and access to a 24/7 personal concierge service.
Woolworths Everyday Platinum Credit Card
19.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
Receive a $50 eGift Card when you meet the offer criteria, a 0% p.a. for 14 month balance transfer offer and a $0 first year annual fee.
Virgin Australia Velocity Flyer Card - Bonus Points Offer
20.74% p.a.
0% p.a. for 18 months
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Earn up to 60,000 bonus Velocity Points in the first 3 months on eligible spend and enjoy a discounted annual fee of $64 for the first year.

Compare up to 4 providers

* 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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