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CUA Low Rate Credit Card

Advertiser disclosure
Purchase rate
11.99% p.a.
Balance transfer rate
0% p.a. for 20 months and then 21.74% p.a.
Annual fees
$49 $0 in the first year
Interest free days on purchases
55
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Mozo editorial review CUA Low Rate Credit Card

Last updated: 1 October 2020.

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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 20 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.

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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 20 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.

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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.

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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 20 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 2 December 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 20 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

Customer Reviews

How are CUA credit cards rated by the Mozo community?

Overall
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

CUA

CUA

Platinum Credit Card

19.99% p.a.

0% p.a. for 20 months and then 21.74% p.a.

$149 $0 in the first year

Westpac

Westpac

Low Rate

13.74% p.a.

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

$59

Bendigo Bank

Bendigo Bank

Low Rate Credit Card

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

No current offer

$45

St.George

St.George

Vertigo

13.99% p.a.

0% p.a. for 24 months and then 21.49% p.a.

$55 $0 in the first year

CUA

CUA

Low Rate Credit Card

11.99% p.a.

0% p.a. for 20 months and then 21.74% p.a.

$49 $0 in the first year

ME

ME

frank Credit Card

11.99% p.a.

No current offer

$0

Defence Bank

Defence Bank

Foundation Credit Card

3.99% p.a. for 6 months then 8.99% p.a.

3.99% p.a. for 6 months and then 8.99% p.a.

$45

CUA

CUA

Platinum Credit Card

19.99% p.a.

0% p.a. for 20 months and then 21.74% p.a.

$149 $0 in the first year

CUA Platinum Rewards

American Express

American Express

Qantas Discovery Card

20.74% p.a.

No current offer

$0

Qantas Frequent Flyer

American Express

American Express

Qantas Discovery Card

Qantas Frequent Flyer

$0

No current offer

0.75 points uncapped

Bankwest

Bankwest

Qantas Platinum Mastercard

Qantas Frequent Flyer

$160

30,000

0.75 points up to $2,500/month, then
0.3 points uncapped

St.George

St.George

Amplify Platinum

Qantas Frequent Flyer

$99

70,000

0.5 points uncapped

Suncorp

Suncorp

Clear Options Platinum

Suncorp Rewards

$129

100,000

1.25 points uncapped

Bank of Melbourne

Bank of Melbourne

Amplify Platinum

Amplify Rewards

$99 $0 in the first year

No current offer

1 point uncapped

American Express

American Express

Velocity Escape Card

Velocity Frequent Flyer

$0

No current offer

0.75 points uncapped

BankSA

BankSA

Amplify Platinum

Qantas Frequent Flyer

$99

70,000

0.5 points uncapped

NAB

NAB

Qantas Rewards Premium Card

Qantas Frequent Flyer

$250

30,000

0.66 points up to $3,000/month, then
0.33 points up to $6,000/month

Westpac

Westpac

Low Rate

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

13.74% p.a.

$59

St.George

St.George

Vertigo

0% p.a. for 24 months and then 21.49% p.a.

13.99% p.a.

$55 $0 in the first year

CUA

CUA

Low Rate Credit Card

0% p.a. for 20 months and then 21.74% p.a.

11.99% p.a.

$49 $0 in the first year

ANZ

ANZ

First

0% p.a. for 18 months and then 20.24% p.a. (2.00% balance transfer fee)

20.24% p.a.

$30

Bank of Melbourne

Bank of Melbourne

Vertigo

0% p.a. for 24 months and then 21.49% p.a.

13.99% p.a.

$55 $0 in the first year

Bankwest

Bankwest

Zero Platinum Mastercard

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

17.99% p.a.

$0

Bank of Melbourne

Bank of Melbourne

Amplify Platinum

0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)

0% p.a. for 7 months then 19.74% p.a.

$99 $0 in the first year

Amplify Rewards

BankSA

BankSA

Vertigo

0% p.a. for 24 months and then 21.49% p.a.

13.99% p.a.

$55 $0 in the first year

St.George

St.George

Vertigo

13.99% p.a.

0% p.a. for 24 months and then 21.49% p.a.

$55 $0 in the first year

Defence Bank

Defence Bank

Foundation Credit Card

3.99% p.a. for 6 months then 8.99% p.a.

3.99% p.a. for 6 months and then 8.99% p.a.

$45

Bendigo Bank

Bendigo Bank

Low Rate Credit Card

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

No current offer

$45

Westpac

Westpac

Low Rate

13.74% p.a.

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

$59

ME

ME

frank Credit Card

11.99% p.a.

No current offer

$0

CUA

CUA

Low Rate Credit Card

11.99% p.a.

0% p.a. for 20 months and then 21.74% p.a.

$49 $0 in the first year

NAB

NAB

Low Rate Card

12.99% p.a.

0% p.a. for 20 months and then 21.74% p.a. (2.00% balance transfer fee)

$59

Bank of Melbourne

Bank of Melbourne

Vertigo Platinum

12.99% p.a.

6.99% p.a. for 12 months and then 21.49% p.a.

$99

Bendigo Bank

Bendigo Bank

Low Rate Credit Card

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

No current offer

$45

Defence Bank

Defence Bank

Foundation Credit Card

3.99% p.a. for 6 months then 8.99% p.a.

3.99% p.a. for 6 months and then 8.99% p.a.

$45

NAB

NAB

StraightUp Card

0% p.a.

No current offer

$120 $10/month - waived if no spend & no balance owing

Bankwest

Bankwest

Breeze Mastercard

0% p.a. for 15 months then 10.99% p.a.

2.99% p.a. for 9 months and then 10.99% p.a. (0% balance transfer fee)

$49

BankSA

BankSA

Amplify Platinum

0% p.a. for 7 months then 19.74% p.a.

0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)

$99 $0 in the first year

Virgin Money

Virgin Money

No Annual Fee Card

0% p.a. for 12 months then 18.99% p.a.

0% p.a. for 12 months and then 20.99% p.a.

$0

St.George

St.George

Vertigo Platinum

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

6.99% p.a. for 12 months and then 21.49% p.a.

$99 $49 in the first year

Bank of Melbourne

Bank of Melbourne

Amplify Platinum

0% p.a. for 7 months then 19.74% p.a.

0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)

$99 $0 in the first year