CUA Low Rate Credit Card
Get a low rate and 0% p.a. balance transfer for 25 months.2
Once, twice, three times a winner.
We’re proud to have been awarded Australia’s Best Large Credit Union in the Mozo Experts Choice Awards for the third year in a row!
Purchase Rate
Promo Balance Transfer Rate
for 25 months2
First Year Annual Fee
($49 there after)4
Minimum Credit Limit
Features & Benefits
Keep more in your back pocket with no annual fee in the first year.
Pay with your phone
No Wallet? No worries. Make easy and secure payments with your phone using Google Pay™ and Apple Pay.
Additional cardholder
No additional cost for additional cardholders. Add up to nine!
Fraud protection
24-hour fraud monitoring and extra peace of mind with 3D secure provided by Mastercard® identity check.
24/7 emergency assistance
If your card is lost or stolen, you can call us anytime to block it.

Rates & Fees

Other fees or rates may apply. Please refer to our Key Facts Sheet and Schedule of Fees. CUA Credit Cards Conditions of Use apply.


Purchase Rate
11.99% p.a.
Cash Interest Rate
21.74% p.a.
Interest Free Period
up to 55 days3
Balance Transfer Rate
0% p.a. for 25 months2
Minimum Monthly Repayment
Whichever one of these is the greatest (or equal greatest):
  • $35; or
  • 3.00% of the Closing Balance; or
  • your Overlimit Amount (if any).

Account Fees

Annual Fees
After the first year has expired, an Annual Fee of $49 will apply to the CUA Low Rate Credit Card.4
Cash Advance Fee

2.00% of the Cash Advance amount, with minimum of $3.50

A Cash Advance Fee will be charged when a Cash Advance is obtained from your Account.

Late Payment Fees


A Late Payment Fee will be charged if the "Total amount due" figure shown on the Statement is not paid within 25 days from your Statement Date.

Foreign Exchange Fee

3.40% of the Transaction amount

A Foreign Exchange Fee will be charged in Australian dollars for any Purchases or Cash Advances made or processed in a foreign currency or where the merchant, or the merchant’s financial institution, is located overseas (both Multi-Currency Transactions and Single Currency Transactions).

Additional Cardholder Fee
Add up to 9 additional cardholders at no extra cost.

Ready to apply online today?

1. Apply online
Check that you’re eligible and what you need, then apply online.
2. Upload your documents
Once your application has progressed, we’ll need you to provide documents to verify your income.
3. Await our response
We’ll let you know the outcome of your application via email.
4. Get ready to shop
Simply activate your card when it arrives in 5-10 working days (after approval) and start spending!
Are you eligible?
  • Must be at least 18 years of age
  • Be a permanent resident of Australia
  • Be employed or receive regular income
What you need to apply online
  • An email address and a contact number
  • Existing CUA Member Number (if you already bank with us)
  • Australian Driver's Licence, Medicare or Passport details
  • Details of your employment & income, expenses, assets and liabilities
More ways to apply for a CUA account
Call us on: 133 282
Mon - Fri: 8:00am - 7:00pm (AEST)
Sat: 8:00am - 4:00pm (AEST)
Visit one of our CUA Branches. Find a branch
Important information Important information Show content

1 Lending criteria, fees, charges, CUA Credit Cards 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. Offer is subject to change or withdrawal without notice.

2 This offer is available for approved applicants when they apply for a new CUA Credit Card from 6 May 2021. This is a limited time only offer which may be withdrawn or changed at any time without notice. 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 25 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 December 2018 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.