CUA Low Rate Mastercard

CUA Low Rate Mastercard

My rate: 
My annual fee: 
All banks
Card features
balance transfer
purchase rate
annual fee
Money saved
CUA Low Rate Mastercard
0% p.a. for 18 months on balance transfers with $0 balance transfer fee.
11.99% p.a. interest rate on purchases.
$0 p.a. annual card fee for the first year.
Add to comparison
18 months
0% p.a.
then 21.74%
with a 0% fee
11.99% p.a.
1st year
then $49

Pros & cons

What's good?

What's not so good?

0% p.a. for 18 months on balance transfers with $0 balance transfer fee.
11.99% p.a. interest rate on purchases.
$0 p.a. annual card fee for the first year.
Up to 9 additional cards for no extra cost.
Up to 55 days on purchases.
Comes with Apple Pay and Google Pay.
After the intro rate on balance transfers is over, any unpaid balances will be subject to the 21.74% p.a. cash advance rate.
Disclaimer: Reviews rely upon third party information that may not be correct or may be changed without Credit Card Compare’s knowledge. You must carefully consider your own circumstances before making any commitments and confirm all offers and terms with credit card providers before accepting them. Please refer to our T&Cs for more.

User reviews

4.1 out of 5.0 based on 3 reviews100% of reviewers would recommend this card

Rates and fees
Customer service

Reviews from users

Good rates and bulk savings

Reviewed and recommended by Leigh on 30 Aug 2015

Good interest rates, low repayment interest, and their fees are reasonable. I don’t know any different. If I could I’d keep my money stashed under my bed, but don’t have the space.

Try a credit union, not a bank

Reviewed and recommended by Grant Sainsbury on 15 Jul 2015

CUA are the best and fairest for me, so people should look what’s available there before going with a bank. They helped me when I misplaced my card while overseas so I could still have some money until I got back to Australia. They looked after me not only overseas, but in Australia as well. Also, their customer service team is very helpful. Fantastic!

Happy with it

Reviewed and recommended by Erin on 24 Jul 2013

I am happy with my CUA MasterCard, always deal with pleasant friendly staff who are willing to help. The card was easy to apply for (over the phone) and the fees and rates associated seem comparable. I am happy to stick with CUA as they are proactive in doing what is best for their people unlike the “big 4” banks.

Disclaimer: The opinions expressed about credit cards are the reviewer's alone, and do not reflect the views of Credit Card Compare or the credit card issuer. Reviews have not been approved or otherwise endorsed by Credit Card Compare.

The basics

About this card

Card setup
Card tier
Card type
Card use
Credit rating
Gambling transactions allowed
Joint application
Minimum age
18 years old
Minimum income
Minimum income for pensioners
Rewards program
Temporary residents


Additional cardholders
Additional card fee
$0 p.a.

Credit limits

Minimum credit limit
Maximum credit limit


Interest charged from
Purchase date
Interest free period
Up to 55 days on purchases
Minimum repayment
Whichever is greater, $35 or 3%

Balance transfers

The offer

Interest ratePeriodFeeLimitRevert rate
Balance transfers0% p.a.18 months0%80% of credit limit21.74% p.a.

Balance transfers to this card

Balance transfer earns rewards
Balance transfer fee payment due
First statement
Balance transfer from personal loan
Balance transfer processing time
10 - 14 days
Interest free days with unpaid balance
0 days
Maximum balance transfer
80% of credit limit
Available to existing customers

Banks you can't balance transfer from

You can't balance transfer to the CUA Low Rate Mastercard at the promotional balance transfer rate from:

  • CUA

Rates & fees

Promotional interest rates

Interest ratePeriodFeeLimitRevert rate
Balance transfers0% p.a.18 months0%80% of credit limit 21.74% p.a.
PurchasesN/AN/AN/AN/A N/A

Ongoing interest rates

Cash advances 1.81% 21.74% p.a.
Purchases 1.00% 11.99% p.a.


Annual fee
$0 p.a.
Annual fee 2nd year
$49 p.a.
Cash advance fee
whichever is greater, $3.50 or 2%
Dishonour fee
Duplicate statement fee
Foreign exchange fee
Late payment fee
Over limit fee
Overseas ATM balance fee
Overseas ATM withdrawal fee
Overseas emergency card replacement fee
Transaction verification fee

Minimum criteria for this card

What you need before applying

Be over 18 years old
You are a resident or citizen of Australia
You have your personal details ready to complete the online application
Have not applied for multiple credit cards recently
Joint applications are not allowed
Disclaimer: The minimum criteria are intended only to be a guide. Your application may still be rejected by the bank even if you can answer 'Yes' to all the minimum criteria. The final decision regarding your application is up to the bank.

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People are happy
Rated 4.8 out of 5 for customer satisfaction.
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