FCCS Credit Cards

FCCS-Logo

Are you looking for a low rate or a platinum credit card? Take a look at what FCCS has to offer

A small group of Ford Motor Company employees in Geelong established the FCCS Credit Union in 1974, primarily to offer financial services to employees of Geelong Ford and their family members. It merged with the Ford Broadmeadows Employee Credit Union in 1984. In 1990, another merger took place with Commercial Credit Co-operative Ltd. Geelong, and this merger saw membership open to the public at large. FCCS Credit Union has branches in Geelong, Campbellfield and Granville, offering its members an array of financial services and products, which include two credit cards from Mastercard.

Important Information

FCCS credit cards are no longer available for new applications. The credit card cannot be applied for, however, the information on this page has been kept for the benefit of existing customers and for those who are interested.
If you would like to compare other credit cards: click here.

Types of credit cards FCCS offers

Irrespective of whether you want to earn rewards and benefit through other add-ons, or simply benefit through a low interest rate card, FCCS might have something to offer you.

  • Low rate credit cards

One of the biggest advantages of a low rate credit card is the low interest rate on offer, but some low rate cards offer little in the form of additional features. The MyCard Low Rate Mastercard that FCCS offers comes with a special limited period balance transfer offer, where you can take advantage of up to  interest-free days on purchases, and you can get as many as four additional cards. If you apply by a given date, you can look forward to paying a discounted annual fee for the life of the card.

Rates last updated July 24th, 2017
Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate (p.a.) Product Description
St.George Vertigo Visa
13.24% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
0% p.a. for 14 months
Receive exclusive ticket and lifestyle offers through Visa Entertainment and the security of Falcon Fraud protection.
NAB Low Rate Credit Card
13.99% p.a.
Up to 55 days on purchases
$59 p.a.
0% p.a. for 16 months with 2% balance transfer fee
Gain access to Visa Global Customer Assistance Services and add an additional cardholder at no cost.
St.George Vertigo Platinum
12.74% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 20 months
Features platinum insurance covers including Extended Warranty, Price Guarantee and Purchase Cover Insurance.
Bendigo Bank Basic Black Credit Card
12.24% p.a.
Up to 44 days on purchases
$45 p.a.
A basic low fee, low ongoing rate card that calculates interest from the monthly statement date.
HSBC Low Rate Credit Card
13.25% p.a.
Up to 55 days on purchases
$55 p.a.
0% p.a. for 15 months with 2% balance transfer fee
Enjoy exclusive offers with the home&Away Privilege Program, and the ability to pay with Apple Pay.
Westpac Low Rate Card - Online Only Balance Transfer Offer
13.49% p.a.
Up to 55 days on purchases
$59 p.a.
0% p.a. for 24 months with 2% balance transfer fee
Offers a long term balance transfer rate of 0% p.a. for 24 months and up to $25 off your first Uber ride.
Bank of Melbourne Vertigo Platinum
12.74% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 20 months
Take advantage of overseas travel insurance, purchase cover insurance, price guarantee cover and extended warranties.
ANZ Low Rate Platinum
11.49% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 16 months with 2% balance transfer fee
Enjoy platinum benefits with exclusive discounts, complimentary travel insurance and personal concierge.
NAB Low Rate Platinum Card
13.99% p.a.
Up to 55 days on purchases
$100 p.a.
0% p.a. for 16 months with 2% balance transfer fee
Includes four complimentary travel insurances, concierge service and complimentary purchase insurance covers.
ANZ Low Rate
12.49% p.a.
Up to 55 days on purchases
$58 p.a.
0% p.a. for 16 months with 2% balance transfer fee
Get peace of mind with ANZ Falcon security protection and Mastercard's Zero Liability Guarantee.
Coles Low Rate Mastercard
12.99% p.a.
Up to 62 days on purchases
$49 p.a.
0% p.a. for 6 months
Take advantage of 0% p.a. for 6 months on balance transfers.
BankSA Vertigo Visa
13.24% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
0% p.a. for 18 months
Add 1 additional cardholder at no extra cost and enjoy the protection of secure shopping and fraud monitoring.
American Express Essential®  Credit Card
14.99% p.a.
Up to 55 days on purchases
$0 p.a.
0% p.a. for 12 months with 1% balance transfer fee
Earn 1.00 Membership Rewards point per $1 spent and receive a $50 credit when you meet the eligibility criteria.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0% p.a. for 12 months (reverts to 20.74% p.a.)
Up to 44 days on purchases
$129 p.a.
0% p.a. for 6 months
Save with 0% p.a. on purchases for 12 months. Plus, up to 0.66 Velocity Points per $1 spent.
Virgin Money Low Rate Credit Card
11.99% p.a.
Up to 44 days on purchases
$99 p.a.
0% p.a. for 12 months
Choose to get the protection of CreditShield Edge and enjoy the convenience of Visa payWave.
Westpac Low Rate Card
13.49% p.a.
Up to 55 days on purchases
$59 p.a.
0% p.a. for 18 months with 2% balance transfer fee
Get an additional cardholder at no extra cost and take advantage of Visa PayWave and Samsung Pay.

Compare up to 4 providers

Learn more about Low Rate Credit Cards

  • Platinum credit cards

Some platinum credit cards give you the ability to earn reward points while offering a range of other benefits as well. With the FCCS MyCard Platinum Mastercard, you earn 1.25 reward points with every dollar you spend on eligible purchases. You can also redeem your accumulated points in various ways. This card offers complimentary insurance covers, which can be a great benefit to travellers, and it also gives cardholders access to a concierge service. The MyCard Platinum Mastercard comes with a special offer for balance transfers and retail purchases, and if you apply before a certain date you can keep paying a discounted annual fee for as long as you keep your card.

Rates last updated July 24th, 2017
Name Product Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Purchase rate (p.a.) Annual fee Product Description
NAB Premium Card - Exclusive Offer
0
0
19.74% p.a.
$90 p.a.
Exclusive to finder.com.au, enjoy a no fee, long-term balance transfer offer with platinum privileges.
HSBC Platinum Credit Card
1
0
19.99% p.a.
$99 p.a.
Take advantage of a 0% p.a. for 22 months on balance transfers offer with a 2% p.a. balance transfer fee.
Virgin Australia Velocity Flyer Card - Exclusive Offer
0.66
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Earn 2 Velocity Points on top of the standard earn rate per $1 spent on eligible transactions within the first 3 months.
NAB Rewards Platinum Card
50,000 bonus points
1
19.99% p.a.
$195 p.a.
Collect 50,000 bonus points when you spend $2,500 on everyday purchases within 60 days of account opening.
Citi Rewards Platinum Credit Card
1
0
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Enjoy a long-term balance transfer offer of 0% p.a. for 24 months with a 1.5% balance transfer fee.
ANZ Platinum Credit Card - Exclusive Offer
0
0
0% p.a. for 3 months (reverts to 19.74% p.a.)
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months.
HSBC Platinum Qantas Credit Card
60,000 bonus points
1
0
19.99% p.a.
$199 p.a.
Enjoy complimentary membership to the Qantas Frequent Flyer program and international travel insurance.
American Express Explorer® Credit Card
100,000 bonus points
2
20.74% p.a.
$395 p.a.
Get a $400 Travel Credit every year, complimentary airline lounge passes and several travel insurances.
St.George Vertigo Platinum
0
0
12.74% p.a.
$99 p.a.
Take advantage of a 0% p.a. for 20 months on balance transfers offer with no balance transfer fee.
Suncorp Clear Options Platinum Credit Card - Exclusive Offer
1.25
20.74% p.a.
$99 p.a. annual fee for the first year ($169 p.a. thereafter)
Receive a discounted annual fee in the first year and earn 1.25 Suncorp Rewards Points per $1 spent.
ANZ Frequent Flyer Platinum
50,000 bonus points
0.75
19.99% p.a.
$0 p.a. annual fee for the first year ($295 p.a. thereafter)
Receive a complimentary Qantas Frequent Flyer membership and a range of included insurance covers.
Citi Simplicity Card
0
0
19.99% p.a.
$0 p.a.
Receive 10% cash back on all eligible purchases, capped at $50 per month for 4 months from card approval.
ANZ Low Rate Platinum
11.49% p.a.
$99 p.a.
Enjoy platinum benefits with exclusive discounts, complimentary travel insurance and a 24/7 personal concierge.
NAB Low Rate Platinum Card
13.99% p.a.
$100 p.a.
Take advantage of a 0% p.a. for 16 months on balance transfers.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0.66
0% p.a. for 12 months (reverts to 20.74% p.a.)
$129 p.a.
Receive a $129 Virgin Australia Gift Voucher each year and complimentary insurance with this long-term 0% p.a. interest offer on purchases.
ANZ Rewards Travel Adventures card
40,000 bonus points
1.5
20.24% p.a.
$225 p.a.
No overseas transaction fee on purchases, plus a complimentary domestic return flight each year when you meet the eligibility criteria.
ANZ Rewards Platinum
50,000 bonus points
1.5
18.79% p.a.
$0 p.a. annual fee for the first year ($95 p.a. thereafter)
Enjoy accelerated points earning and great platinum features including complimentary travel insurance and purchase protection.
Westpac 55 Day Platinum Credit Card
0
0
19.84% p.a.
$0 p.a. annual fee for the first year ($90 p.a. thereafter)
Take advantage of a 0% p.a. for 18 months on balance transfers offer, plus up to 55 days interest-free on purchases.
NAB Velocity Rewards Premium Card
0.5
1
19.99% p.a.
$150 p.a.
Offers up to 1 Velocity point per $1 on purchases, combined with complimentary insurance covers and a concierge service.
Bank of Melbourne Amplify Platinum
40,000 bonus points
1
0
19.49% p.a.
$99 p.a.
Choose between Amplify Rewards or Amplify Qantas programs, plus enjoy travel insurance, purchase protection and extended warranties.

Compare up to 4 providers

Learn more about Platinum Credit Cards

Benefits of banking with FCCS

Both credit cards that FCCS offer come with a Mastercard association, and this allows you to use your card globally. Other benefits depend on the card you choose:

  • Complimentary insurance covers

Cardholders get additional peace of mind through a guaranteed pricing scheme and purchase cover insurance with both of these credit cards. If you opt for the MyCard Platinum Mastercard you also get complimentary international travel insurance, interstate flight inconvenience insurance and transit accident insurance.

  • Concierge service

With the MyCard Platinum Mastercard you will receive access to the Platinum Concierge Service. This service sees you receive information about restaurants as well as sporting, cultural, and entertainment events, and also make reservations. You can use this service to get travel-related information, for shopping, and also for an array of executive services.

  • Introductory rates

While the low rate card offers interest on balance transfers for months, the platinum card comes with a 0% p.a. interest for 14 months, which covers balance transfers as well as purchases. You can transfer balances up to 80% of your credit limit, and this offer applies only if you initiate the balance transfer process at the time of application. At the end of the introductory period, any outstanding balance from balance transfers attracts the given card’s cash advance rate, and leftover balances from purchases attract the ongoing purchase rate.

How to apply for an FCCS credit card

You can apply for an FCCS credit card by visiting a branch or applying over the phone. To start an online application, simply click the ‘Go to Site’ button next to the credit card of your choice. Applying for an FCCS credit card requires that you fulfil the following eligibility criteria.

Eligibility criteria

  • You are at least 18 years of age
  • You have good credit rating
  • You are a permanent resident of Australia

The application requires that you submit a copy of your driver’s licence, Medicare card and proof of your income. You have to furnish a host of information to complete the application, which includes the following.

Required documents

  • Personal information. The application requires your complete name, date of birth, marital status, number of dependents, home address, phone number and email address.
  • Monthly financial position. For this section you need to provide information about your income and expenses. This includes monthly living expenses, other recurring expenses and details surrounding existing loans, credit cards, lines of credit, and overdrafts.
  • Professional details. These include your employment status and your current employer’s name and contact details.

What happens after submitting the application?

Once you submit your application, an FCCS representative will get in touch with you if any more information is required. Calling your employer’s payroll department for income verification is the norm, and you can help expedite the process by informing your payroll ahead of time. If you’re a new member with FCCS you’ll have to undergo an identity verification process. To do this you might have to visit a branch.

Frequently asked questions

Here are answers to some of the most frequently asked questions about FCCS credit cards, and if you’ve got a question that isn't listed below you can ask using the form at the end of this page.

If you begin with all the required information close at hand, completing the online application should take no more than a few minutes.

Yes, and to do so you simply have to call FCCS.

The minimum and maximum credit limits of the low rate card at the time of initial approval are $2,000 and $15,000 respectively. For the platinum card they are $6,000 for the minimum limit and $35,000 for the maximum.

After using your credit card for some time you can apply for an increase in your card’s credit limit, but you’ll have to satisfy certain credit criteria.

Yes, the retail rate is lower than the cash advance rate, and this is the case with both cards.

No, you get free enrolment when you receive your Platinum Mastercard.

You earn reward points when you make eligible retail purchases. You don’t earn reward points on cash advances, balance transfers or special promotions.

Your reward points don’t expire as long as you keep your credit card account active and in good standing.

You can redeem your points for flight tickets, travel vouchers, a variety of merchandise and cashback. You can also pay your card’s annual fee by using your reward points.

You can redeem your reward points by logging into the Card Services website. Alternatively, you can also call Card Services to redeem your points.

You can transfer your points to another cardholder, provided that the individual in question is an immediate family member.

You should report your lost card immediately to FCCS by giving them a call.

Back to top
Was this content helpful to you? No  Yes

Related Posts

American Express Velocity Platinum Card
American Express Velocity Platinum Card

Interest rate

20.74

Annual fee

375
ANZ Platinum Credit Card - Exclusive Offer
ANZ Platinum Credit Card - Exclusive Offer

Interest rate

19.74

Annual fee

87
St.George Vertigo Platinum
St.George Vertigo Platinum

Interest rate

12.74

Annual fee

99

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, read the PDS or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Conditions and Privacy Policy.
Ask a question
feedback