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

Let's have a chat

  • Apply online
  • Continue existing application
  • Call 133 282
    Mon - Fri: 8:00am - 7:00pm (AEST)
    Sat: 8:00am - 4:00pm (AEST)
  • Find a branch

Rates and Fees

  • Annual fee: $0 first year, $49 thereafter4
  • Purchase interest rate: 11.99%p.a.
  • Interest free days: up to 553
  • Balance transfer: 0%p.a. for 13 months2
  • 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 Offer only available to new and approved CUA Credit Card applicants. Offer not available to transfers from existing CUA Credit Cards. Only one application per account accepted (consolidate up to 3 non-CUA Credit Cards per application). The balance transfer application must be applied for within 3 months of the Disclosure Date in your Offer and Card Contract. Your total balance transfer may not exceed 80% of your credit limit. CUA may allow this to be exceeded at our discretion. The Promotional Interest Rate Period of 0% p.a. interest rate will apply for 13 months from the date the balance transfer application is processed. At the end of that Promotional Interest Rate Period, the Cash Advance Rate (currently 21.74%p.a. as at 17 January 2020 and is subject to change) will apply to any part of the balance transfer which remains unpaid. The 55 days interest free period on purchases will not apply while any balance transfer amount remains outstanding. This means that all purchases will be charged interest at the applicable annual percentage rate.

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 17 December 2018 and are subject to change.

Mastercard and the Mastercard brand mark are registered trademarks of Mastercard International Incorporated.

Apple, the Apple logo, Apple Pay, Apple Watch, iPad, iPhone, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay works with iPhone 6 and later in stores, apps, and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2, and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices. see Apple, the Apple logo, Apple Pay, Apple Watch, iPad, iPhone, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries.

Google, Google Pay, and the Google Pay Logo are trademarks of Google Inc. Payments using Google Pay are available for NFC enabled phones running on Android Lollipop 5.0 or above.