CUA Low Rate Credit Card

CUA teal debit card 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