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CUA Brisbane Heat supporters’ Low Rate Credit Card

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Show your team colours, get an ongoing $0 annual fee and enjoy 0% p.a. interest on balance transfers for the first 20 months.

The CUA Brisbane Heat supporters’ Low Rate credit card has a competitive 11.99% p.a. interest rate for purchases and offers mobile payments through Apple Pay and Google Pay.

0% p.a.

Balance transfer rate

for 20 months

11.99% p.a.

Purchase rate

$0 p.a.

Annual fee

55 days

Interest free period

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Product NameCUA Brisbane Heat supporters' Low Rate Credit Card
Balance transfer rate0% p.a. for 20 months
Balance transfer revert rateCash Advance Rate (21.74% p.a.)
Balance transfer limit80% of available limit
Purchase rate11.99% p.a.
Annual fee$0
Interest-free period55 days
Cash advance rate21.74% p.a.
Min credit limit$500
Card typeMastercard
Foreign currency conversion fee3.4%
Available to temporary residentsNo
Joint applicationNo


  • Ongoing $0 annual fee
  • Balance transfer offer of 0% p.a. for 20 months, with no balance transfer fee
  • Up to 55 days interest-free on purchases


  • No travel insurance or a rewards program
  • A variable cash advance rate of 21.74% p.a. applies at the end of the promotional balance transfer period
Annual fee$0
Minimum monthly repayment3% of the closing balance or $35, whichever is greater
Late payment fee$12.50
Foreign currency conversion fee3.4%
Cash advance fee2% or $3.50, whichever is greater
Number of additional cardholders9

Expert review

Amy Bradney-George

Review by

Amy Bradney-George is the acting editor for credit cards and has more than 13 years’ experience writing about personal finance. She has bylines in publications including The Sydney Morning Herald, ABC News and The Equity Magazine. A passionate writer, she’s also acting editor for Finder X and senior writer for Finder Green. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University, and when she’s not writing she spends her time as an actress.

Expert review

The CUA Brisbane Heat supporters' Low Rate Mastercard combines low-cost credit card features with a sporty design. The card features Brisbane Heat colours, blue flames and the team's logo so that everyone can see you're a supporter.

How to apply

It only takes a few minutes to apply for the CUA Brisbane Heat supporters' Low Rate Mastercard online. Before you get started, make sure you meet the following eligibility requirements and have all the essential documents and details on hand.

Eligibility criteria

  • Residency. You must be an Australian citizen or permanent resident with an Australian residential address.
  • Brisbane Heat supporter. This card is designed for Brisbane Heat supporters who have bought a membership with the club.

Card benefits

  • $0 annual fee. The CUA Brisbane Heat supporters' Low Rate Mastercard offers a $0 annual fee for the life of the card (normally $49 p.a.).
  • 0% p.a. on balance transfers for 20 months. To take advantage of this offer, you must request the balance transfer within 3 months of card approval (based on the disclosure date in your offer and card contract). The 20-month 0% p.a. introductory rate is then applied from the date of processing the balance transfer. At the end of the introductory period, any remaining debt will be charged interest at the cash advance rate (currently 21.74% p.a.).

Rates & fees

  • Annual fee. Outside of any promotions, this card charges a standard annual fee of $49 p.a.
  • Purchase rate. The 11.99% p.a. purchase rate will apply when you use this card for shopping or other everyday expenses and carry a balance.

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