CUA Low Rate Credit Card

The details shown below are for a card without rewards

The details shown below are for a card without rewards

Choose the version of credit card that suits you best

  • Low Rate Credit Card

    Rewards: n/a

  • Low Rate Credit Card (Brisbane Heat Offer)

    Rewards: n/a

11.99% p.a.

0% p.a. for 13 months and then 21.74% p.a.

$49 $0 in the first year

n/a

CUA Low Rate Credit Card

11.99% p.a.

0% p.a. for 13 months and then 21.74% p.a.

$49 $0 in the first year

n/a

11.99% p.a.

0% p.a. for 13 months and then 21.74% p.a.

$0

n/a

CUA Low Rate Credit Card

11.99% p.a.

0% p.a. for 13 months and then 21.74% p.a.

$0

n/a

Mozo Review   CUA Low Rate Credit Card Review

Last updated: 16 July 2018.

What's hot:
  • Low 11.99% purchase rate

  • $0 annual fee

  • 55 interest free days

What's not:
  • High 21.74% cash advance rate

Mozo snapshot:

The CUA Low Rate Credit Card comes with all the main features you’d want in a budget friendly credit card: a low 11.99% purchase rate, 55 interest free days and a 0% balance transfer fee for 13 months. Add in the $0 annual fee and the 9 additional card holders you can have and the one of only things you really need to watch out for is the 21.74% cash advance rate.

Key features:

Low interest rate. Sound good right? That’s because it is. With only a 11.99% purchase rate, you’ll be able to spend freely on CUA’s Low Rate credit card, knowing you won’t break the bank with massive interest payments, even if you do miss a monthly repayment or two.

Plus with the $0 annual fee and up to 55 interest free days on purchases, you’ve got a bit of breathing room to get your finances in order and pay off your bill each month.

There are times when you might want to share a credit card account with a family member or partner to keep your finances simple. This card let’s you have up to 9 additional cardholders for free.

If you need to move some debt from another card onto this one, for the first 13 months there’ll be a 0% balance transfer fee. After that it’ll shoot up to a steep 21.74%, so it would be wise to have a payment plan in place to avoid having a leftover balance when the zero interest period ends.

Who it's good for:

The CUA Low Rate Credit Card is good for anyone who is looking to use a credit card for those everyday purchases and the convenience of plastic, without all the bells and whistles.

Any catches?

While Mozo doesn’t suggest getting cash out on your credit card unless you really need to, the 21.74% interest on cash withdrawals makes this something you should try extra hard to avoid.

Also after 13 months of 0% balance transfer rate, don’t get stuck with a leftover balance on this card when the rate changes to 21.74%.

Details

Rates and fees information correct as at 17 October 2018.

Rates
  • 11.99% p.a.

  • none

  • 0% p.a. for 13 months and then 21.74% p.a.

  • yes

  • 21.74% p.a.

  • 55

Fees
  • $49.00

  • $0 in the first 1 year

  • none

  • none

  • $12.50

  • 2.00%, Min $3.50

  • 3.40%

  • $0.00

  • $20.00

  • $0.00

Features
  • $35.00

  • 3.0

  • 9

  • none

Payment options

Apple Pay, Samsung Pay

Details

Rates and fees information correct as at 17 October 2018.

Rates
  • 11.99% p.a.

  • none

  • 0% p.a. for 13 months and then 21.74% p.a.

  • yes

  • 21.74% p.a.

  • 55

Fees
  • $0.00

  • none

  • none

  • none

  • $12.50

  • 2.00%, Min $3.50

  • 3.40%

  • $0.00

  • $20.00

  • $0.00

Features
  • $35.00

  • 3.0

  • 9

  • none

Payment options

Apple Pay, Samsung Pay

Customer Reviews

How are CUA credit cards rated by the Mozo community?

Overall customer rating
7.2/10
Price
6.8/10
Features
6.6/10
Customer service
7.1/10
Convenience
7.1/10
Trust
7.6/10
CUA

About CUA

CUA is Australia's largest credit union and an alternative to the big banks, offering financial, health and insurance solutions to over 500,000 Aussies. As a mutual, it's run by members for members, and reinvests in making its service better for customers and supporting local communities. CUA is committed to helping members through life's big changes, so if you want to make a change for the better, check out CUA's range of home loans, personal loans, credit cards, savings accounts and more.

See CUA credit cards

Promoted

Woolworths

Woolworths

Everyday Platinum Credit Card

0% p.a. for 14 months and then 21.99% p.a.

19.99% p.a.

$49 $0 in the first year

Promoted

ME

ME

frank Credit Card

No current offer

11.99% p.a.

$0

Promoted

American Express

American Express

Explorer Credit Card

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

20.74% p.a.

$395

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

0% p.a. for 6 months and then 20.99% p.a.

0% p.a. for 14 months then 20.74% p.a.

$129

Promoted

American Express

American Express

Velocity Escape Card

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

20.74% p.a.

$0

Promoted

Bankwest

Bankwest

Breeze Platinum Mastercard

0% p.a. for 13 months and then 12.99% p.a. (2.00% balance transfer fee)

0% p.a. for 13 months then 12.99% p.a.

$99

Promoted

Westpac

Westpac

Altitude Black with American Express

No current offer

20.24% p.a.

$499 $300 in the first year

Promoted

Suncorp

Suncorp

Clear Options Platinum

0% p.a. for 18 months and then 21.99% p.a.

20.74% p.a.

$178

Promoted

Woolworths

Woolworths

Everyday Platinum Credit Card

1 point per dollar on Visa, uncapped

19.99% p.a.

$49 $0 in the first year

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

0.66 points per dollar on Visa, up to $1,500 per month, then
0.5 points per dollar on Visa, uncapped

20.74% p.a.

$129

Promoted

American Express

American Express

Explorer Credit Card

2 points per dollar on Amex, uncapped

20.74% p.a.

$395

Promoted

Westpac

Westpac

Altitude Black with American Express

1.25 points per dollar on Amex, 0.75 points per dollar on Mastercard, uncapped

20.24% p.a.

$499 $300 in the first year

Promoted

American Express

American Express

Velocity Escape Card

1 point per dollar on Amex, uncapped

20.74% p.a.

$0

Promoted

Suncorp

Suncorp

Clear Options Platinum

0.5 points per dollar on Visa, up to $8,000 per month

20.74% p.a.

$178

Promoted

St.George

St.George

Amplify Signature

0.75 points per dollar on Visa, uncapped

19.49% p.a.

$279 $179 in the first year

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity High Flyer Card

1 point per dollar on Visa, up to $8,000 per month, then
0.5 points per dollar on Visa, uncapped

20.74% p.a.

$289

Promoted

Woolworths

Woolworths

Everyday Platinum Credit Card

0% p.a. for 14 months and then 21.99% p.a.

$49 $0 in the first year

19.99% p.a.

Promoted

American Express

American Express

Velocity Escape Card

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

$0

20.74% p.a.

Promoted

Suncorp

Suncorp

Clear Options Platinum

0% p.a. for 18 months and then 21.99% p.a.

$178

20.74% p.a.

Promoted

Bankwest

Bankwest

Breeze Platinum Mastercard

0% p.a. for 13 months and then 12.99% p.a. (2.00% balance transfer fee)

$99

0% p.a. for 13 months then 12.99% p.a.

Promoted

28 Degrees

28 Degrees

Platinum Mastercard

4.99% p.a. for 6 months and then 21.99% p.a.

$0

21.99% p.a.

Promoted

NAB

NAB

Low Rate Platinum Card

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

$100

0% p.a. for 9 months then 13.99% p.a.

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Balance Transfer Offer

0% p.a. for 18 months and then 20.99% p.a.

$129 $64 in the first year

20.74% p.a.

Promoted

Citi

Citi

Platinum

0% p.a. for 24 months and then 21.74% p.a. (1.50% balance transfer fee)

$149 $49 in the first year

20.99% p.a.

Promoted

ME

ME

frank Credit Card

11.99% p.a.

$0

No current offer

Promoted

Bankwest

Bankwest

Breeze Platinum Mastercard

0% p.a. for 13 months then 12.99% p.a.

$99

0% p.a. for 13 months and then 12.99% p.a. (2.00% balance transfer fee)

Promoted

American Express

American Express

Essential Credit Card

14.99% p.a.

$0

0% p.a. for 12 months and then 14.99% p.a. (3.00% balance transfer fee)

Promoted

NAB

NAB

Low Rate Platinum Card

0% p.a. for 9 months then 13.99% p.a.

$100

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

Promoted

ANZ

ANZ

Low Rate

12.49% p.a.

$58

0% p.a. for 15 months and then 21.74% p.a.

Promoted

Citi

Citi

Clear Platinum

12.99% p.a.

$99 $0 in the first year

0% p.a. for 14 months and then 21.74% p.a.

Promoted

Bankwest

Bankwest

Breeze Mastercard

0% p.a. for 13 months then 12.99% p.a.

$79

0% p.a. for 13 months and then 12.99% p.a. (2.00% balance transfer fee)

Promoted

St.George

St.George

Vertigo

13.74% p.a.

$55

0% p.a. for 16 months and then 19.49% p.a.

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

0% p.a. for 14 months then 20.74% p.a.

0% p.a. for 6 months and then 20.99% p.a.

$129

Promoted

Bankwest

Bankwest

Breeze Platinum Mastercard

0% p.a. for 13 months then 12.99% p.a.

0% p.a. for 13 months and then 12.99% p.a. (2.00% balance transfer fee)

$99

Promoted

NAB

NAB

Low Rate Platinum Card

0% p.a. for 9 months then 13.99% p.a.

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

$100

Promoted

Bankwest

Bankwest

Breeze Mastercard

0% p.a. for 13 months then 12.99% p.a.

0% p.a. for 13 months and then 12.99% p.a. (2.00% balance transfer fee)

$79

Promoted

NAB

NAB

Low Rate Card

0% p.a. for 6 months then 13.99% p.a.

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

$59

Promoted

Westpac

Westpac

Lite Card

9.90% p.a.

No current offer

$108