CUA Platinum 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 Platinum Credit Card?

Choose a credit card that rewards you in ways that really matter. Like gift cards to spend on the ones you love. However you choose to be rewarded, you’ll earn one CUA Platinum Rewards point for every dollar you spend on purchases using your CUA Platinum Credit Card5.

Plus, enjoy no annual fee for the first year and 0%p.a. on balance transfers for 13 months2, and with complimentary travel and purchase protection insurance (terms, conditions, limits and exclusions apply)6 , it really is a credit card for the way you live today.

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.
Earn one CUA Platinum Rewards point for every $1 you spend on purchases5.
There's no fee for transferring balances to a CUA Platinum Credit Card, and you'll pay no interest for 13 months on amounts transferred.
Enjoy peace of mind with complimentary international travel insurance and transit accident insurance (terms, conditions, limits and exclusions apply)6.
Keep track of your credit card transactions with access through CUA Online Banking and our mobile banking app.
Complimentary cover for loss, theft, or accidental damage over a wide range of new covered items, purchased using your CUA Platinum Credit Card for 90 days after purchase (terms, conditions, limits and exclusions apply)6.

CUA Platinum 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, $149 thereafter4
  • Purchase interest rate: 19.99%p.a.
  • Interest free days: up to 553
  • Balance transfer: 0%p.a. for 13 months2
  • Minimum Credit Limit: $5,000

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.

5 Rewards are only available with the CUA Platinum Card. CUA Platinum Rewards Points accrue in accordance with the “CUA Platinum Credit Card – Terms & Conditions for Other Benefits”. Points relating to the use of the card will be awarded for credit purchases only, capped at 100,000 points per year. You will not earn Rewards Points on interest charges; government charges; bank fees; gambling, cash advances, balance transfers and card account adjustments resulting from disputed transactions.

6 Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 of Level 16, 310 Ann Street, Brisbane, Queensland 4000 (trading as Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 of 2 Market Street, Sydney NSW 2000 has issued an insurance group policy to Credit Union Australia Limited (CUA) ABN 44 087 650 959 and Australian credit licence 234708 of 145 Ann Street, Brisbane QLD 4000 which allows eligible CUA account holders and cardholders to claim under it as third party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the "CUA Platinum Credit Card - Terms & Conditions for Other Benefits" which may be amended from time to time. CUA does not guarantee this insurance.

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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.