Rating based on 36 reviews


  • Credit cards starting from $500
  • Low-interest up to 11.99%
  • Repayment up to 24 months

In-page navigation

CUA homepage
Author CUA. Screenshot of CUA website.
[Accessed May 2, 2023]

CUA – Quality services and products

Credit Union Australia is a responsible financial health and insurance solutions provider.

To date, they have helped over 500,000 Australian citizens with financial solutions which makes them Australia’s largest credit union.

They opened their doors in 1946 and since then have grown in success each year bringing their clients the best financial products and services and helping them save money for a rainy day. Their range of products and services includes everyday accounts, credit cards, home loans, personal loans, general insurance, travel money, health insurance and financial planning services. 


They use the latest technology to ensure that you are always connected. Log onto their website anytime with CUA online, download their Mobile Banking App, use Apple Pay, Google Pay and Samsung Pay or visit one of their 50 branches across the country wherever or whenever they are always there to assist you.

Empowering their members

Once you become a member you also become a shareholder which gives you a voice to help shape the future of CUA, the active member will be able to vote at their AGM (Annual General Meeting) and participate in their governance. They have won several prestigious awards from various industry organisations for their innovation and excellent customer service as well as an award in 2018 from Mozo for the most ‘Highly trusted’ service provider. Their credit card offerings are among the most competitive in the industry. 

Switch your salary

Switching your salary is very simple and can be done in 2 different ways. Either let your payroll team know that your banking details have changed and allowed them to take the necessary steps for you. Or you can complete the Salary Switch form from their website complete it and send it straight to your employer.

Their credit cards are affordable

At CUA they offer a wide array of products and services as well as everyday banking. They offer a range of different long and short-term loans to meet your individual requirements.

If you are looking for insurance cover they offer a wide variety of different insurance options including travel insurance and financial planning.

Credit cards

They offer two different credit cards these are the CUA Platinum credit card and the CUA Low Rate credit card.

CUA low-rate credit card

A CUA low-rate credit card will allow you to catch your financial breath and grant you some wiggle room when it comes to managing your finances.

The interest rate is only 11.99 %pa on purchases and you won’t be charged an annual fee for the first year so you will have more money left over for when you really need it.

Pay using your phone

Imagine this, you are out on a date and when it comes time to pay, you realise that you forgot your wallet! Save yourself some embarrassment by paying with your phone using either Google Pay or Apple Pay, your date will never even know and you can continue to enjoy your evening.

Other benefits

Other benefits on their credit cards include that there are no annual fees in the first year and you will pay a very low 11.99 %pa on all your purchases. You won’t be charged interest on any of your purchases for up to 55 days. (Conditions may apply) Have access to your account 24/7 through their CUA online banking and mobile Apps.

CUA – Credit card

  • Loan Type Credit cards
  • Interest Rate 11.99%
  • Loan Amount from $500
  • Repayment 1 month to 24 months

Benefits of CUA

  • Earn reward points
  • No annual fees for the first year
  • Insurance

CUA – Their credit cards create maximum convenience

To be eligible to apply for a loan online you must adhere to the following criteria:

  • You must be 18 years or older
  • You must be a resident of Australia
  • You will need to provide your personal and financial details
  • You will need to supply your valid e-mail address and telephone number
  • You will need to provide your driver’s license/ passport or ID to verify your identity
  • You will need to supply details of your employer
  • You will need to provide details of your expenses as well as a list of assets and liabilities

Life rich rewards

The CUA platinum credit card gives you rewards that you actually want these include gift cards that you can spend how you like. To earn your rewards all you have to do is spend. With every $1 that you spend, you will earn 1 CUA Life Rich Rewards point.

You will not be charged any annual fees for the first year and you pay 0.0 %pa on any balances that you transfer within the first 13 months. You benefit from free travel insurance and purchase protection as well as a Mastercard concierge.

Mastercard concierge services

Your Mastercard Concierge Service acts like your free personal assistant. The service is free with your CUA Platinum card and gives you access to your concierge 24 hours a 7 day.

Call +612 9947 1402 to have access the Mastercard Concierge Services these include:

  • Travel information: This includes advice and guides on travel destinations, passport and visa requirements, information on weather and etiquette as well as information on entertainment, sports schedules and restaurant recommendations.
  • Travel bookings
  • Entertainment
  • Golf
  • Gift sourcing and delivery
  • Flower delivery
  • Business services: this includes referrals and secretarial services or langue interpreters
  • Personal and medical assistance: this includes home assistance and emergency medical evacuation
man holding thumbs up

CUA is a trusted & reliable provider of credit cards

In our review, CUA adheres to the compliance criteria in accordance with the National Consumer Credit Protection Act 2009, where the granting the loan will not cause financial distress to the consumer.

✅ CUA is a registered credit provider in Australia: ACL 238317

Customer Reviews & Testimonials

Love that I can fully manage my account online, quick and simple. It is super convenient for my busy lifestyle.

Lydia H
— Perth —

Really happy about the fact that I can not only swipe my card wherever needed but also be able to draw cash from an ATM. Also, the rates and fees are very reasonable!

Tristan R
— Adelaide —

CUA is such quality and cost-effective credit card, provider. I can manage my account online and if I have any questions or queries I can contact their super helpful staff who are always ready to...

Damian K
— Brisbane —

CUA Contact

Contact Number


  • not available


Physical Address

Postal Address

  • GPO Box 100 , Brisbane QLD , 4001, Australia

Opening Hours

  • Monday 09:00 – 16:30
  • Tuesday 09:00 – 16:30
  • Wednesday 09:00 – 16:30
  • Thursday 09:00 – 16:30
  • Friday 09:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed