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 InformationFCCS 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.
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.
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.
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.
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.
- 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.
- 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.
Does it take long to complete the online application?
If you begin with all the required information close at hand, completing the online application should take no more than a few minutes.
Can I find out about the status of my application?
Yes, and to do so you simply have to call FCCS.
What are the minimum and maximum credit limits?
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.
Can I apply for an increase in credit limit?
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.
Is there a difference between the retail and cash advance rates?
Yes, the retail rate is lower than the cash advance rate, and this is the case with both cards.
Does the rewards program attract any kind of a fee?
No, you get free enrolment when you receive your Platinum MasterCard.
How do I earn reward points?
You earn reward points when you make eligible retail purchases. You don’t earn reward points on cash advances, balance transfers or special promotions.
Do my reward points expire?
Your reward points don’t expire as long as you keep your credit card account active and in good standing.
What can I use my points for?
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.
How do I redeem my 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.
Can I transfer my points to someone else?
You can transfer your points to another cardholder, provided that the individual in question is an immediate family member.
What should I do if I lose my card?
You should report your lost card immediately to FCCS by giving them a call.