CUA Low Rate Credit Card

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Get a low interest rate of 11.99% on purchases and save with a $0 annual fee for the first year.

The CUA Low Rate also gives you a way to consolidate existing credit card debt, with 0% p.a. on balance transfers for the first 13 months and no balance transfer fee.

0% p.a.

Balance transfer rate

for 13 months

11.99% p.a.

Purchase rate

$0 p.a.

Annual fee

for the first year ($49 p.a. thereafter)

55 days

Interest free period


Product NameCUA Low Rate Credit Card
Balance transfer rate0% p.a. for 13 months
Balance Transfer Revert RateCash Advance Rate (21.74% p.a.)
Balance Transfer Limit80% of available balance
Purchase rate (p.a.)11.99% p.a.
Annual fee$0 p.a. annual fee for the first year ($49 p.a. thereafter)
Interest Free Period55 days
Cash advance rate (p.a.)21.74% p.a.
Min credit limit$500
Card TypeMastercard
Foreign Currency Conversion Fee (Visa/Mastercard)3.4% of transaction value
Complimentary Travel InsuranceNo
Minimum Age18 years of age
Available to Temporary ResidentsNo
Joint ApplicationNo


  • This card attracts a $0 annual fee for the first year ($49 p.a. thereafter).
  • Consolidate your debts at a rate of 0% for the first 13 months.
  • A low variable rate of 11.99% p.a. applies on purchases.
  • Enjoy up to 55 days interest-free on purchases.


  • This credit card is not linked to any rewards program.
Annual fee$0 p.a. annual fee for the first year ($49 p.a. thereafter)
Minimum Monthly Repayment3% of the closing balance or $35, whichever is greater
Late Payment Fee$12.50
Foreign Currency Conversion Fee (Visa/Mastercard)3.4% of transaction value
Cash Advance Fee2% or $3.50, whichever is greater
Number of Additional Cardholders9

Expert review

Amy Bradney-George

Review by

Amy is an editor and writer at with more than 10 years experience covering credit cards, personal finance and various lifestyle topics. When she’s not sharing her knowledge on money matters, Amy spends her time as an actress.

Expert review

The CUA Low Rate credit card features a 11.99% p.a. purchase rate that is on par or slightly lower than some of the other cards in this category. Its annual fee is also competitive for this category, with a $0 fee in the first year and $49 p.a. per year after that. An added bonus for tech-savvy shoppers is that it’s compatible with both Apple Pay and Google Pay, allowing you to tap and pay with your smartphone.

If you want to pay off your existing credit card debt, the CUA Low Rate’s balance transfer offer gives you an introductory rate of 0% p.a. for 13 months when you request a balance transfer within the first 3 months you have the card. This is different to the many balance transfer offers that are only available if you request a balance transfer at the time of your application.

How to apply

If you've compared your options and decided on the CUA Low Rate Mastercard, you can apply online by filling out a secure application form. Get started by checking the following eligibility criteria and making sure you have all the details and documents needed for the application.

Eligibility criteria

  • Residency. You must be an Australian citizen or permanent resident with an Australian residential address.
  • Age. You must be at least 18 years old to apply.

    Card benefits

    • $0 annual fee for the first year. After the first 12 months, an annual fee of $49 p.a. will apply for this card.
    • Competitive purchase rate. If you shop with this card and carry a balance, 11.99% p.a. interest rate applied to purchases could help you save on interest charges compared to cards with higher interest rates

    Rates & fees

    • Overseas transaction fee. A fee of 3.4% of the amount applies to each transaction you make overseas or online in a foreign currency.
    • Cash advance rate. If you use this card to withdraw cash or for any other cash advance transaction, an interest rate of 21.74% p.a. will apply from the date of the transaction.

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    1. Default Gravatar
      September 27, 2019

      Can a cash advance be made into my CUA only account?

      • Avatarfinder Customer Care
        September 28, 2019

        Hi Barry,

        Thanks for getting in touch! Yes, the CUA Low Rate Credit Card offers cash advances. Note that there is a Cash Advance Rate 21.74% p.a. and a Cash Advance Fee of 2% or $3.50, whichever is greater.

        Hope this helps!


    2. Default Gravatar
      July 28, 2017

      Hi, I have an existing CC debt that is about 1 month overdue and I have been having trouble keeping payments up. I was unemployed up until a year ago for two years and during this time I struggled with various payments. I am now employed full time with a good salary, what will be taken into account if all I want to do is transfer the balance to be able to pay off the debt.


      • Avatarfinder Customer Care
        July 28, 2017

        Hi Ken,

        Thanks for your inquiry. Please note that we are not affiliated with CUA or any company we feature on our site and so we can only offer you general advice.

        If you are trying to inquire with CUA, you may click on the ‘Go to Site’ button and contact them directly. You can also have a look on this page for comparison of other balance transfer credit cards.


    3. Default Gravatar
      June 21, 2017

      Hi, I am just wondering if the balance transfer offer allows me to transfer the balance of my husband’s existing credit card?
      Kindest regards,

      • Default Gravatar
        June 22, 2017

        Hi Liv!

        Sounds like a plan for me! Most banks will allow you to do this, and some may require you to have your husband’s name included as an additional cardholder or simply a joint card type.

        You can read our full guide right here. If you wish to apply, click “Go to Site” green button of your chosen issuer to proceed with your application.

        Hope this helps.


    4. Default Gravatar
      June 20, 2017

      I’m currently receiving Disability Pension, Family Tax A and B and Child Support. I am a single parent with two children. Does CUA accept these as an income? I want a credit card for emergency/piece of mind reasons. I was told that CUA accept certain pensions as income. I don’t want to apply if my government income is not going to be accepted. Cheers!

      • Default Gravatar
        June 21, 2017

        Hi Ella!

        CUA Credit Card application would require you to submit a proof of income. In your case, you may submit the following as verification documents:
        – Your recent Centrelink benefit statement or
        – Your personal tax return for the last 2 years or
        – Your pension/annuity statement or
        – Your recent Financial Institution statement showing one month of benefit receipts or
        – Letter from your financial planner advising of current/planned superannuation drawings

        Hope this clarifies.


    5. Default Gravatar
      May 5, 2017

      Hi is there any balance transfer fees in this card?

      • Avatarfinder Customer Care
        May 5, 2017

        Hi Amit,

        Thank you for your inquiry.

        With CUA Low Rate Credit Card you can take advantage of this card’s special introductory rate of 0% p.a. on balance transfers that will stay in place for 13 months. At the end of the introductory period, any outstanding balance from balance transfers will attract interest at the card’s cash advance rate.

        I hope this information has helped.


    6. Default Gravatar
      April 23, 2017

      If you transfer a balance from an existing credit card, is there 0% interest on that balance?

      • Avatarfinder Customer Care
        April 23, 2017

        Hi Nicole,

        Thanks for your question.

        The CUA Low Rate Credit Card has 0% p.a. on balance transfers for 13 months.


    7. Default Gravatar
      March 24, 2017

      Are you allowed to go over the credit card limit or do you need to go for a different card?

      • Avatarfinder Customer Care
        March 24, 2017

        Hi Talia

        Thank you for your question.

        If you are referencing with the balance transfer, typically, lenders will only allow the client with a percentage of the credit limit (between 70% and 100%). You can always clarify this information with your provider to make sure you are doing the best options that is applicable with your circumstances.

        I hope this information has helped.


    8. Default Gravatar
      July 5, 2016

      Are the rates for checking balances or withdrawing cash at overseas ATMs available for this card? Also, the fee (if any) replacing the card if lost while overseas?

      • Avatarfinder Customer Care
        July 22, 2016

        Hi Casimo,

        Thanks for your inquiry.

        Just to confirm that you’ve come through to we are an Australian financial comparison website and general information service, not actually CUA.

        Sorry for the delayed reply. Fees for checking the balance and withdrawing cash from ATM overseas were not listed in the CUA credit card schedule of fees and charges, though the bank charges 2% of the cash advance amount, with minimum of $3.50 and 3.4% of transaction value for foreign currency conversion for their Low Rate Credit Card. CUA also charges $30 for an overseas replacement card.

        For your reference, I’ve sent you the link to CUA’s schedule of fees.

        I hope this helps.


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