• An introductory balance transfer rate of 0% p.a. for 9 months
• 50% off the annual fee for the first year
• Earn 1.25 reward points for every $1 spent on your card
• Generous credit limits subject to credit criteria
• International Travel Insurance
• Purchase Cover Insurance
• Guaranteed Pricing Scheme
• Interstate Flight Inconvenience Insurance
• Transit Accident Insurance
• Platinum Concierge Service available 24 hours a day, seven days a week from anywhere in the world.
• Read the terms and conditions

How does the CUA Platinum MasterCard Credit Card compare for rates and fees against an average credit card? Based on the data from our website this credit card comparison scorecard shows:

		Purchase Rate	Cash Adv Rate	Annual Fee	Bal. Transfer Rate	Bal. Transfer Rate Period
	CUA Platinum MasterCard Credit Card	20.24%	21.24%	$89	0%	9 months
	The Average Credit Card	17.15%	21.03%	$96	2.86%	7 months

This is a great card from Credit Union Australia with an excellent rewards program and a special low interest introductory rate on balance transfers.

Pros

The annual fee is low for a platinum card at $89 p.a. and the introductory rate of 0% p.a. for 9 months on balance transfers is appealing if you’ve got some debt to consolidate and get on top of.

The rewards program gives you a good points earning rate ($1 = 1 point) on everyday purchases and there is fantastic flexibility in how you redeem your points meaning you might actually want and use your points, PLUS they never expire!

Points can be redeemed for:

• Travel through the Take Flight Program: fly any airline, anywhere at anytime, and book hotels, hire cars, trains, cruises and much more
• Shopping vouchers: Myer, David Jones, Target, Kmart and more
• Electronics: iPods, cameras, mobile phones, white goods and more
• Cash back: use your points to reduce your outstanding balance or pay your annual fee

Security is an important factor in a card and you can rest assured MasterCard has you covered. You get:

• Complimentary Purchase Cover – complimentary insurance on any new items that are lost, stolen or damaged within three months of purchase using your CUA Rewards MasterCard
• Complimentary international travel insurance
• Free lost and stolen card replacement within 24 hours within Australia and 48 hours overseas

Conclusion

A medium cost card with the all the benefits of a gold card, this is worth your consideration, especially in light of the introductory offers.