CUA Low Rate Credit Card
Get a low rate and 0% p.a. balance transfer for 20 months.2
Enjoy a great low rate and $0 annual fee for the life of the card. You’ll also get to show your team colours every time you shop.
2.00% of the Cash Advance amount, with minimum of $3.50
A Cash Advance Fee will be charged when a Cash Advance is obtained from your Account.
A Late Payment Fee will be charged if the "Total amount due" figure shown on the Statement is not paid within 25 days from your Statement Date.
3.40% of the Transaction amount
A Foreign Exchange Fee will be charged in Australian dollars for any Purchases or Cash Advances made or processed in a foreign currency or where the merchant, or the merchant’s financial institution, is located overseas (both Multi-Currency Transactions and Single Currency Transactions).
1 Lending criteria, fees, charges, CUA Credit Cards Conditions of Use 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. Offer is subject to change or withdrawal without notice.
2 This offer is available for approved applicants when they apply for a new CUA Credit Card from 1 October 2020. This is a limited time only offer which may be withdrawn or changed at any time without notice. Offer not available to transfers from existing CUA Credit Cards. Only one application per account accepted (consolidate up to 3 non-CUA Credit Cards per application). The balance transfer application must be applied for within 3 months of the Disclosure Date in your Offer and Card Contract. Your total balance transfer may not exceed 80% of your credit limit. CUA may allow this to be exceeded at our discretion. The Promotional Interest Rate Period of 0% p.a. interest rate will apply for 20 months from the date the balance transfer application is processed. At the end of that Promotional Interest Rate Period, the Cash Advance Rate (currently 21.74%p.a. as at 17 December 2018 and is subject to change) will apply to any part of the balance transfer which remains unpaid. The 55 days interest free period on purchases will not apply while any balance transfer amount remains outstanding. This means that all purchases will be charged interest at the applicable annual percentage rate.
3 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, 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.
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 17 December 2018 and are subject to change.
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