What you'll need

1. A current email address and phone number.
2. If you want to complete the whole process online, you might need a driver's licence and/or passport and/or another form of ID in order to verify your identity.
3. Your current employment circumstances will dictate which documents are required. Find out which income documents you need to have handy to email through to us.
4. A good idea of your household expenses, assets and liabilities.

Who can apply?

• Applicants 18 years or over.
• Australian Permanent Residents with an Australian residential address.
• Not currently bankrupt.

Please note: These are the minimum requirements for a Credit Card application. We may ask you to supply additional documents.

Declaration

I'm aged 18 or over, permanent resident(s) of Australia and agree to each of the acknowledgements, consents, declarations and warranties set out below:

• I have read and understood the CUA Credit Cards Conditions of Use and Credit Guide.
• I have read and understood the Credit Card Key Fact Sheet.
• I warrant that I am not currently bankrupt.
• I certify that I can afford this credit card without enduring any hardship.
• I acknowledge that by accepting this application CUA is not obliged to grant a credit card.
• I acknowledge that CUA may receive or pay commission for my introduction to it.
• I acknowledge that I must be a member of CUA and hold a CUA everyday banking account prior to my credit card account being created.
• I acknowledge that if I am not a current member of CUA that a CUA Everyday Account will be opened on my behalf as part of this credit card application, and I agree to the terms and conditions outlined in CUA's General Information, Terms & Conditions and Schedule of Fees.
• I warrant that, if I supply CUA with personal information about another person (for example, a referee), I am authorised to do so and will ensure that they are made aware of the information set out in the CUA Credit Cards Privacy Notice. I agree to inform that person who CUA is, that CUA will use and disclose their personal information for the purposes of assessment of my credit card application and to locate me, if necessary, at any time in the future. I will also inform them that they can gain access to that information in accordance with the CUA Group APP Privacy & Credit Information Policy.
• I have read the CUA Credit Cards Privacy Notice and consent to my information (including personal information) being collected, held, used and disclosed in this manner, in accordance with the the CUA Group APP Privacy & Credit Information Policy and as otherwise permitted by law.
• I agree to information about me which has been provided to CUA being checked, for identification verification purposes, with any government agency or entity that holds information about me.
• I agree that CUA may send me email communications including important information about this application and, if approved, the subsequent loan documentation (including statements) to the email address nominated on this application. I understand that by providing my email address:
  • CUA will not post me a paper copy of disclosure documents including my credit contract, statements, service letters or notices (except where the law does not allow electronic communication);
  • I will need to check my nominated email account regularly and advise CUA if that email changes; and
  • I can withdraw my consent to receive statements, service letters or notices electronically at any time via CUA Online Banking or by contacting CUA.

• I agree to CUA contacting me by email, SMS or telephone in relation to my account and application.
• I declare that any information that I provide to CUA during our relationship will be true and complete and that I will not withhold any information on my financial position or commitments, or any change in my financial position or commitments, that may be of interest to CUA.

Credit limit increase

We require your consent to send you written credit limit increase invitations in future:

• It's up to you whether you apply for any increase to your credit limit and we have discretion whether to grant any increase.
• Your consent will apply to any current or future credit card accounts you have with us.
• You can give or withdraw your consent at any time by calling CUA on 1300 367 672.

Consent

For electronic identity verification against Credit Bureau

What is this check? To try and save you time online we need to verify who you are. To do this we are checking for your details with credit bureaus such as Dun & Bradstreet, Veda or Experian to match with the identity information you have supplied in this application. This process doesn't leave any mark or in any way alter your credit history.

• By accepting these terms and conditions you give consent for Credit Union Australia Ltd to disclose your name, residential address and date of birth to a credit reporting agency and ask the credit reporting agency to provide an assessment of whether the personal information so provided matches (in whole or in part) personal information contained in a credit information file in the possession or control of the credit reporting agency to assist in verifying your identity for the purposes of the Anti-Money Laundering and Counter-Terrorism Act 2006.
• The credit reporting agency may prepare and provide Credit Union Australia Ltd with such an assessment and may use your personal information including the names, residential addresses and dates of birth contained in credit information files of you and other individuals for the purposes of preparing such an assessment.

If you disagree with having your identity verified by a credit reporting agency, do not continue with this application and contact Credit Union Australia Ltd so that we can discuss other options with you.