CUA Low Rate Credit Card

CUA Credit Cards

Enjoy more of the moments that make life rich with CUA Platinum and Low Rate Credit Cards¹.

Why choose a CUA Low Rate Credit Card?

From time to time, we can all use a little financial breathing space. Our Low Rate Credit Card is here to give you extra wiggle room, right when you need it.

With a low 11.99%p.a. on purchases and no annual fee for the first year, it's the credit card that leaves more in your back pocket, so you can enjoy more of what makes life rich.

No Wallet? No worries. Make easy and secure payments with your phone using Google Pay and Apple Pay.
Keep more in your back pocket with no annual fee for the first year4.
Enjoy an amazingly low 11.99%p.a. on purchases.
There's no fee for transferring balances to a CUA Low Rate Credit Card, and you'll pay no interest for 13 months on amounts transferred.
No interest on purchases for up to 55 days if you pay your credit card balance in full each month (including any balances transferred).
Keep track of your credit card transactions with access through CUA Online Banking and our mobile banking app.
Enjoy our friendly CUA service.

CUA Low Rate Credit Card


You must be:
  • 18 years and older
  • A permanent resident of Australia
  • Other criteria will also apply

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Rates and Fees

  • Annual fee waiver: First year (usually $49)
  • Purchase interest rate: 11.99%p.a.
  • Balance transfer2: 0%p.a. for 13 months
  • Annual card fee: $49
  • Interest free days on purchases3: up to 55
  • Minimum Credit Limit: $500
Important information Important information Show content

1 Lending criteria, fees, charges, CUA Credit Card Conditions of Use apply. Credit Union Australia Limited ABN 44 087 650 959 Australian credit licence 238317 (CUA) is the issuer of the CUA Platinum and Low Rate Credit Card.

2 Your total balance transfer may not exceed 80% of your credit limit. CUA may allow this to be exceeded at our discretion. The 0% p.a. interest rate will apply for 13 months from the date of processing to any balance transfer application, which is applied for within 3 months of the Disclosure Date in your Offer and Card Contract. At the end of that Promotional Interest Rate Period, any part of the balance transfer which remains unpaid will be included in the balance transfers balance and the Cash Advance Rate (currently 21.74% p.a.) will apply. The 0% p.a. balance transfer interest rate will not apply to transfers from other CUA-issued credit cards. This offer can be withdrawn at any time. The 55 day interest free period on purchases will not apply while any balance transfer amount remains outstanding.

3 The interest free period of up to 55 days applies to purchases when you pay your balance off in full by the payment due date. If you carry over a balance on your credit card from one month to the next, the 55 days’ interest-free period does not apply and you are charged interest once you make a purchase. No interest free period is available on Cash Advances or Balance Transfers.

4 After the first year has expired, an Annual Fee of $49 for Low Rate cards and $149 on Platinum cards will be applied each year. Fees are current as at 31 May 2016 and are subject to change.

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