CUA Platinum Credit Card Credit Card Application
Credit Union Australia Platinum credit card offers 0% p.a. on balance transfer for the first 9 months with half annual fee for the first year.
CUA Platinum Credit Card Credit Card Rates and Fees
Purchase rate
20.24% p.a. on purchases
Balance transfer rate
0% p.a. for 9 months
Cash advance rate
21.24% p.a. on cash advances
Annual fee
$89
Pros
Cons
- 0% p.a. on balance transfers for the first 9 months
- Half annual fee for the first year, only $89
- A range of complimentary insurance covers
- Balance transfer rate reverts to cash advance rate of 21.24% p.a. after 9 months
CUA Platinum Credit Card Credit Card Application Criteria
Terms and Conditions
Fees and charges apply. Terms and conditions apply and are available upon request. Final approval of your MasterCard will be subject to satisfying Card Services' credit criteria.
1. The promotional rate of 0.0% p.a. applies for 9 months on balances transferred with this offer. Transferred balances will be repaid first during this period. Annual fees attract interest at the retail purchases rate. Outstanding transferred balances at the end of the promotional period will revert to the standard cash advance rate. To be eligible for the offer, you need to apply for the CUA Platinum MasterCard by 30/07/2012. Approved customers only. The 9 month promotional period commences once balance transfer is processed. Any transactions made other than balance transfers in connection with this offer are at the standard variable credit card rates, currently 20.24% p.a. for retail purchases and 21.24% p.a. for cash advances. Interest rates are variable, subject to change and our credit criteria. The interest rates are current as at 1 February 2012. This offer ends 30/07/2012.
2. Subject to your acceptance you will be charged a discounted annual fee of $89 in the first year, which will revert back to the full annual fee of $179 in subsequent years. Half price annual fee offer ends 30/07/2012.
3. Actual credit limit will be assigned based on our Credit Criteria, your credit rating, and subject to confirmation that you earn a minimum of $50,000 for the Platinum card. Credit limit is up to $60,000 on Platinum at point of initial approval. Over time, you may apply to increase your credit limit if you satisfy our credit criteria.
4. The maximum 55 days interest free period applies when you pay your balance off in full for two consecutive months. If you carry a balance on your credit card from month to month 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.
5.Complimentary Insurance are provided automatically to cardholders under a master agreement between Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL No. 232507 and Citigroup Pty Limited, and are subject to Terms and Conditions and exclusions available at www.cardservicesdirect.com.au. An excess applies to Purchase Cover Insurance.
6. All Rewards are subject to the Terms and Conditions of the Card Services Rewards Program. Reward points are not earned on Cash Advances, Special Promotions or Balance Transfers. Reward points never expire while the account remains open and provided your account is in good order.