Lending criteria, fees, charges, CUA Credit Card Terms and Conditions 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 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 (including outstanding Balance Transfer amounts), 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.

³ Rewards are only available with the CUA Platinum Card. CUA Life Rich 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.

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.

^{^} 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 This offer can be withdrawn at any time.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.

^* Complimentary Insurances are issued and managed by AWP Australia Pty Ltd (AFSL No.245631 ABN 52 097 227 177) trading as Allianz Global Assistance on behalf of the insurer Allianz Australia Insurance Limited (AFSL No. 234708 ABN 15 000 122 850) for CUA and is subject to terms, conditions, limits and exclusions. See CUA Platinum Credit Card - Terms & Conditions for Other Benefits" for full details.

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 https://support. apple.com/km207105 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.

Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.