CUA Credit Cards

CUA (Credit Union Australia) is a provider of credit cards, home loans, personal loans, bank accounts, investment products, foreign currency and international money transfers, and insurance policies.

“Life rich banking.” (CUA)

Compare CUA Credit Cards

If you’re considering a CUA card, check out what’s available below in our comparison table based on a monthly spend of $1,000. Please note that this table has been sorted by star rating (highest to lowest).

Types of CUA credit cards

There are 2 different CUA credit cards at the time of writing:

  1. CUA Platinum Credit Card
  2. CUA Low Rate Credit Card

Both CUA credit cards offer the following benefits:

  • Contactless: Contactless payments are enabled via MasterCard PayPass for purchases under $100.
  • Security: Card protected by 24/7 fraud monitoring for suspicious transactions.
  • Online and mobile: Cards can be managed using online banking or the mobile banking app on compatible smartphones.
The inclusions mentioned represent a selection of what is covered at the time of writing. Additional terms and conditions may apply to different features. Additional fees may apply to the product. CANSTAR is not making any suggestion or recommendation to you about this product. Please ensure that you read the product disclosure statement to determine all the current options and inclusions for the product you are considering.

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CUA Platinum Credit Card

cua platinum

Features

  • Card type: Mastercard
  • Minimum credit limit: $500
  • Maximum credit limit: Unlimited
  • Digital wallet: Smartphone payments via digital wallet are enabled for Apple Pay, and Android Pay.
  • Contactless: Contactless payments are enabled via Mastercard PayPass for purchases under $100.
  • Security: Card protected by 24/7 fraud monitoring for suspicious transactions.
  • Online and mobile: Cards can be managed using online banking or the mobile banking app on compatible smartphones.
  • Rewards program: Earn CUA Life Rich Rewards points for money spent on purchases using the card.

Compare Rewards Credit Cards

CUA Low Rate Credit Card

cua low rate

Features

  • Card type: Mastercard
  • Minimum credit limit: $500
  • Maximum credit limit: Unlimited
  • Digital wallet: Smartphone payments via digital wallet are enabled for Apple Pay, and Android Pay.
  • Contactless: Contactless payments are enabled via Mastercard PayPass for purchases under $100.
  • Security: Card protected by 24/7 fraud monitoring for suspicious transactions.
  • Online and mobile: Cards can be managed using online banking or the mobile banking app on compatible smartphones.
  • Rewards program: Earn CUA Life Rich Rewards points for money spent on purchases using the card.

Compare Low Rate Credit Cards

Eligibility to apply for CUA credit cards

To apply for any of the CUA credit cards, you must be able to satisfy the following criteria:

  • At least 18 years old.
  • Permanent Australian resident.
  • Other criteria will apply.
CANSTAR provides an information service. It is not a credit provider, and in giving you information about credit products CANSTAR is not making any suggestion or recommendation to you about a particular credit product.
If you decide to apply for a credit card you will deal directly with the financial institution, and not with CANSTAR. Rates and product information should be confirmed with the relevant financial institution. For more information, read our detailed disclosure, important notes, and additional information.

How to apply for a CUA credit card

First, check whether you are eligible to apply for a CUA credit card. See above for the eligibility requirements.

If you meet the eligibility requirements, you can apply online or call 133 282 (open Mon-Sun). Have your ID and income details handy and check our list of documentation you may need when applying for a credit card.

In some cases, an instant response cannot be made and you will need to provide further information before the card can be approved; in this case, the card provider will contact you. You can check your application status at any time by calling 133 282 (open Mon-Sun).

When will I get my CUA credit card?

At the time of writing, information provided to CANSTAR by CUA indicates that it takes 1 business day for a credit card application to be approved, followed by a further 7 business days for the credit card to be despatched to the cardholder.

You will have to activate the card when it arrives before you are able to use that card. Follow the instructions on your card or the letter it came with, or call 133 282 and follow the prompts to activate the card.

How do I manage my CUA credit card through online banking?

You can manage your CUA credit card through CUA online banking or their mobile banking app. Use online banking or mobile banking to do things like view your recent transaction history, view your balance, and more.

How is interest calculated on my CUA credit card?

When interest is charged

Interest is charged when you carry a balance on your CUA credit card. Interest is charged on cash advances from the date of withdrawal (fees and charges apply) and balance transfers from the date of transfer.

When interest is not charged

Up to 55 interest-free days apply to CUA credit card purchases if you have paid the balance in full for the previous month’s statement and for the current month’s statement (the statement on which the purchases are listed).

What will my credit limit be on my CUA credit card?

Your credit limit for a CUA credit card will be determined based on the information you provide in your application, keeping in mind the minimum and maximum credit limits available for each card. In the application form, CUA asks you to specify whether or not you wish to be invited to increase your credit limit in the future. Find out more about how credit limits are determined here.

How do I close my CUA credit card account?

You can close your CUA credit card account at any time by contacting CUA:

  • Phone: 133 282 (open Mon-Sun) (within Australia) or +61 7 3552 4713 (from overseas) (open Mon-Sun)

Your card balance will need to be repaid in full even after the card is closed. You will continue to receive monthly statements until your card balance is fully repaid.

If you are experiencing financial hardship, contact the Credit Services team to get help in making repayments:

  • Credit Services: Phone 1800 110 440 (open Mon-Fri)

If you are closing your CUA credit card because you’re not satisfied with it, consider your other options when it comes to credit cards:

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About CUA

CUA (Credit Union Australia) was founded in 1946 by Jack Harvey, as a merger between three small Queensland-based credit unions. Today it is Australia’s largest customer-owned financial institution, and their profits come back to their customers as better rates and lower fees.

Some of CUA’s earliest innovations included a field office operating out of a caravan to serve their regional customers in the 1960s to 1970s. CUA is now acclaimed as an employer of choice when it comes to gender equality, winning the WGEA award in 2011, 2014, and 2015.

CUA supports the Australian community in particular through children and schools. CUA Community Care gave $75,000 in grants in 2015 to the school projects across Australia that receive the most votes. They also regularly give $5,000 grants to reward schools for fighting childhood obesity with School Fun Runs and health eating initiatives. They also have been sponsoring SIDS and Kids (SNK) since 2014.

Source: CUA

They also sponsor innovation for the community. CUA sponsors entrepreneurs through the annual River City Labs start-up mentoring and networking program. And the CUA Hackathon is another major innovation event:

Source: CUA

Disaster relief packages were made available to customers affected by Cyclones Marcia and Lam. And every year, natural disasters or not, employees receive one day of leave per year to volunteer for the charity or cause they care about.

CUA also supports the environment through the Credit Union Foundation Australia (CUFA). This foundation develops grassroots-to-government solutions for credit unions to improve sustainability and relieve poverty in their region.

Join the conversation about breaking news, research insights, and promotional offers on CUA products with their Facebook or Twitter accounts.

Compare Credit Cards with CANSTAR

CUA Low Rate Credit Card

CANSTAR Research
Rating:
Award: 4-Star Rating - Credit Card

Low Rate Credit Card

Low Rate Credit Card

View the 2016 Credit Card Star Rating Report

Written by: TJ Ryan | Last updated: January 23, 2017