Credit Cards
From low rates to rewards points, our credit cards offer great features to suit your needs.
Apply for a CUA credit card
Choose the card that’s right for you and enjoy no annual fees for the first year.
CUA Low Rate Credit Card
Find some financial breathing space
  • $0 annual fee in first year ($49 thereafter)4
  • 0% p.a. balance transfer for 25 months2
  • Minimum credit limit $500
Purchase rate
CUA Platinum Credit Card
Rewards the way you like them
  • $0 annual fee in first year ($149 thereafter)4
  • 0% p.a. balance transfer for 25 months2
  • Earn Rewards Points on eligible spend5
  • Minimum credit limit $5,000
Purchase rate
Make your everyday easier with tap and pay functionality

No wallet? No worries. You can use your smartphone to tap and pay securely at the checkout.

Select your device below to find out more.

Manage your card using our secure mobile & online banking

Use our smartphone app or login to online banking to check spend, balances and make payments to your credit card.

Tips to managing your finances

Here are some ways you can manage your credit cards.

Tips to reduce your credit card debt

If you're like many Aussies who have spent up big on your credit card, you may be looking for a bit of financial breathing space. So here are some handy tips to help you get on top of your credit card debt.

How to shop without cash or touching the EFTPOS machine

We’re all adjusting to life in the ‘new normal’ of isolation and social distancing. And while regular hand sanitising and limiting contact with others are some of the ways to minimise the risk of contracting COVID-19, we still have to leave home to shop for life’s necessities. So how can we do it without putting our health at risk?

3 End of financial year money-saving tips

With 30 June just a few weeks away, it’s a great time to end the financial year with some big savings.

Australians in the dark on credit card interest rates

Only one in three Australians feel like they are getting ahead financially, with Generation X feeling the most financial pressure.

Important information Important information Show content

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 6 May 2021. 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 25 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.

5 Rewards are only available with the CUA Platinum Credit Card. CUA Platinum Rewards Points accrue in accordance with the “CUA Platinum Credit Cards – Terms & Conditions for Other Benefits”. Points relating to the use of the card will be awarded for credit purchases only, capped at 100,000 points per year. You will not earn Rewards Points on interest charges; government charges; bank fees; gambling, cash advances, balance transfers and card account adjustments resulting from disputed transactions.

6 Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 of Level 16, 310 Ann Street, Brisbane, Queensland 4000 (trading as Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 of 2 Market Street, Sydney NSW 2000 has issued an insurance group policy to Credit Union Australia Limited (CUA) ABN 44 087 650 959 and Australian credit licence 238317 of 145 Ann Street, Brisbane QLD 4000 which allows eligible CUA account holders and cardholders to claim under it as third party beneficiaries. Access to the benefit of cover under the "CUA Platinum Credit Cards - Terms & Conditions for Other Benefits" is provided to eligible CUA account and cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth) Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the "CUA Platinum Credit Cards - Terms & Conditions for Other Benefits" which may be amended from time to time. CUA does not guarantee this insurance.

Mastercard and the Mastercard brand mark are registered trademarks of Mastercard International Incorporated.

Apple, the Apple logo, Apple Pay, Apple Watch, iPad, iPhone, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay works with iPhone 6 and later in stores, apps, and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2, and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices. see Apple, the Apple logo, Apple Pay, Apple Watch, iPad, iPhone, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries.

Google, Google Pay, and the Google Pay Logo are trademarks of Google Inc. Payments using Google Pay are available for NFC enabled phones running on Android Lollipop 5.0 or above.