Thumbnail icon for CUA

CUA Low Rate Credit Card

Purchase rate
11.99% p.a.
Balance transfer rate
0% p.a. for 18 months and then 21.74% p.a.
Annual fees
$49 $0 in the first year
Interest free days on purchases
55

Mozo editorial review CUA Low Rate Credit Card

Last updated: 11 February 2020.

binocular icon
What's hot
  • Low 11.99% purchase rate
  • $0 annual fee in the first year ($49 after)
  • 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 18 months. Add in the $0 annual fee in the first year ($49 after) 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 icon
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 in the first year ($49 after) 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 18 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.

snapshot
Who is it good for

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

snapshot
Any catches

While Mozo doesn’t suggest getting cash out on your credit card unless there is no other option, the 21.74% interest on cash withdrawals makes this something you should try extra hard to avoid.

Also after 18 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 29 May 2020 Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 11.99% p.a.

  • none

  • 0% p.a. for 18 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, Google Pay, Samsung Pay

Customer Reviews

How are CUA credit cards rated by the Mozo community?

Overall customer rating
7.2/10
Price
6.9/10
Features
6.7/10
Customer service
7.2/10
Convenience
7.2/10
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

Defence Bank

Defence Bank

True Blue Credit Card

3.99% p.a. for 6 months then 11.74% p.a.

3.99% p.a. for 6 months and then 11.74% p.a.

$45

Promoted

Bankwest

Bankwest

Breeze Mastercard

12.99% p.a.

0% p.a. for 6 months and then 12.99% p.a. (2.00% balance transfer fee)

$79

Promoted

ING

ING

Orange One Credit Card

11.99% p.a.

No current offer

$0

Promoted

American Express

American Express

Qantas Ultimate Card

20.74% p.a.

No current offer

$450

Qantas Frequent Flyer

Promoted

Bankwest

Bankwest

Breeze Platinum Mastercard

12.99% p.a.

0% p.a. for 6 months and then 12.99% p.a. (2.00% balance transfer fee)

$99

Promoted

Bankwest

Bankwest

Zero Platinum Mastercard

17.99% p.a.

2.99% p.a. for 9 months and then 17.99% p.a.

$0

Promoted

American Express

American Express

Qantas Discovery Card

20.74% p.a.

No current offer

$0

Qantas Frequent Flyer

Promoted

ING

ING

Orange One Platinum Credit Card

16.99% p.a.

No current offer

$149

Cashback Rewards

Promoted

CUA

CUA

Platinum Credit Card

Life Rich Rewards

$149 $0 in the first year

No current offer

1 point up to 100,000 points/year

Promoted

American Express

American Express

Qantas Discovery Card

Qantas Frequent Flyer

$0

No current offer

0.75 points uncapped

Promoted

ING

ING

Orange One Platinum Credit Card

Cashback Rewards

$149

No current offer

1 point up to $3,000/month

Promoted

David Jones

David Jones

American Express Card

Membership Rewards

$99

15,000

1 point uncapped

Promoted

American Express

American Express

Qantas Ultimate Card

Qantas Frequent Flyer

$450

55,000

1.25 points uncapped

Promoted

American Express

American Express

Explorer Credit Card

Membership Rewards

$395

50,000

2 points uncapped

Promoted

American Express

American Express

Platinum Edge Credit Card

Membership Rewards

$195

No current offer

1 point uncapped

Promoted

David Jones

David Jones

American Express Platinum Card

Membership Rewards

$295

30,000

1 point uncapped

Promoted

Bankwest

Bankwest

Breeze Mastercard

0% p.a. for 6 months and then 12.99% p.a. (2.00% balance transfer fee)

12.99% p.a.

$79

Promoted

Bankwest

Bankwest

Breeze Platinum Mastercard

0% p.a. for 6 months and then 12.99% p.a. (2.00% balance transfer fee)

12.99% p.a.

$99

Promoted

Defence Bank

Defence Bank

True Blue Credit Card

3.99% p.a. for 6 months and then 11.74% p.a.

3.99% p.a. for 6 months then 11.74% p.a.

$45

Promoted

Bankwest

Bankwest

Zero Mastercard

2.99% p.a. for 9 months and then 17.99% p.a.

17.99% p.a.

$0

Promoted

Bankwest

Bankwest

Zero Platinum Mastercard

2.99% p.a. for 9 months and then 17.99% p.a.

17.99% p.a.

$0

Promoted

Bank First

Bank First

Visa Classic Credit Card

0% p.a. for 6 months and then 12.54% p.a.

0% p.a. for 6 months then 12.54% p.a.

$0

Promoted

Suncorp

Suncorp

Clear Options Platinum

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

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

$129 $49 in the first year

Suncorp Rewards

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 $64 in the first year

Velocity Frequent Flyer

Promoted

Defence Bank

Defence Bank

True Blue Credit Card

3.99% p.a. for 6 months then 11.74% p.a.

3.99% p.a. for 6 months and then 11.74% p.a.

$45

Promoted

Bankwest

Bankwest

Breeze Mastercard

12.99% p.a.

0% p.a. for 6 months and then 12.99% p.a. (2.00% balance transfer fee)

$79

Promoted

ING

ING

Orange One Credit Card

11.99% p.a.

No current offer

$0

Promoted

Credit Union SA

Credit Union SA

Education Community Credit Card

0% p.a. for 6 months then 9.99% p.a.

0% p.a. for 6 months and then 9.99% p.a.

$0

Promoted

Bendigo Bank

Bendigo Bank

Low Rate Mastercard

0% p.a. for 15 months then 11.99% p.a.

No current offer

$45

Promoted

Credit Union SA

Credit Union SA

Visa Credit Card

10.49% p.a.

0% p.a. for 6 months and then 10.49% p.a.

$39

Promoted

Bendigo Bank

Bendigo Bank

Low Rate Platinum Mastercard

11.99% p.a.

0% p.a. for 6 months and then 11.99% p.a.

$89

Promoted

Defence Bank

Defence Bank

True Blue Credit Card

3.99% p.a. for 6 months then 11.74% p.a.

3.99% p.a. for 6 months and then 11.74% p.a.

$45

Promoted

Credit Union SA

Credit Union SA

Education Community Credit Card

0% p.a. for 6 months then 9.99% p.a.

0% p.a. for 6 months and then 9.99% p.a.

$0

Promoted

Bendigo Bank

Bendigo Bank

Low Rate Mastercard

0% p.a. for 15 months then 11.99% p.a.

No current offer

$45

Promoted

Credit Union SA

Credit Union SA

Visa Credit Card

10.49% p.a.

0% p.a. for 6 months and then 10.49% p.a.

$39

Promoted

Bank First

Bank First

Visa Classic Credit Card

0% p.a. for 6 months then 12.54% p.a.

0% p.a. for 6 months and then 12.54% p.a.

$0

Promoted

Suncorp

Suncorp

Clear Options Platinum

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

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

$129 $49 in the first year

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 $64 in the first year

Promoted

St.George

St.George

Rainbow Platinum Vertigo

0% p.a. for 15 months then 12.99% p.a.

No current offer

$99 $49 in the first year