CUA currently has promotion for 18 months interest free period on balance transfers with 0% balance transfer fee and no annual fee in first year.
Yearly fees are $49 on anniversary and every subsequent year.
Only additional condition I believe there is, is to also have/open an everyday transaction account. I don’t believe there are any monthly fees for that account though.
Maximum Balance transfer: 80% of Credit Limit
Rates and Fees
Annual fee: $0 first year, $49 thereafter
Purchase interest rate: 11.99%p.a.
Interest free days: up to 55
Balance transfer: 0%p.a. for 18 months
Minimum Credit Limit: $500
T&C for CUA Low Rate Credit Card:
Offer only available to new and approved CUA Credit Card applicants from 11/02/2020. This is a limited time only offer which may be withdrawn or changed at any time without notice.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 18 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 January 2020 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.
Just a heads up, in branch customer service has been really good each time I’ve had a need to go in… however CUA’s online banking and mobile apps are really bad and outdated.