FCCS Credit Cards

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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 December 4th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
ANZ Low Rate Platinum Credit Card
$250 Back plus 0% p.a. for the first 6 months on purchases from approval.
0% p.a. for 6 months (reverts to 13.49% p.a.) $99 p.a. Up to 55 days on purchases Go to site More info
NAB Low Fee Card
Enjoy a low introductory rate of 0% p.a. on balance transfers and purchases for 15 months.
0% p.a. for 15 months (reverts to 19.74% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $30 p.a. Up to 44 days on purchases Go to site More info
ME Bank frank Credit Card
A low interest rate on purchases and cash advances with no annual fee charge.
11.99% p.a. $0 p.a. Up to 55 days on purchases Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Up to 55 days on purchases Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $59 p.a. Up to 55 days on purchases Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
Westpac Low Rate Card
A simple low interest rate card featuring a low ongoing rate on purchases, up to 55 days interest-free on purchases and a low annual fee.
1% p.a. for 12 months (reverts to 13.49% p.a.) 0% p.a. for 16 months $59 p.a. Up to 55 days on purchases Go to site More info
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 18 months and an introductory purchase offer of 1% p.a. for 12 months with an annual fee waiver for the first year.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Up to 55 days on purchases Go to site More info
Coles Low Rate MasterCard
A low rate MasterCard with a competitive rate on purchases and a low annual fee.
9.99% p.a. 0% p.a. for 6 months $49 p.a. Up to 62 days on purchases Go to site More info
Bank of Melbourne Vertigo Visa Credit Card
Enjoy a low annual fee combined with 0% p.a. balance transfer offer for 18 months and 1% p.a. for up to 12 months on purchases.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
Bank of Melbourne Vertigo Platinum
A platinum card with a low balance transfer offer of 0% p.a. interest for 18 months and 1% p.a. for 12 months on purchases combined with complimentary insurance covers.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Up to 55 days on purchases Go to site More info
Australian Military Bank Low Rate Visa Credit Card
Enjoy a low interest rate of 10.99% p.a. on purchases, combined with a balance transfer offer of 0% p.a. for 12 months and a low annual fee.
10.99% p.a. 0% p.a. for 12 months $49 p.a. Up to 55 days on purchases Go to site More info
ANZ Low Rate
$100 Back plus 0% p.a. for the first 6 months on purchases from approval.
0% p.a. for 6 months (reverts to 13.49% p.a.) $58 p.a. Up to 55 days on purchases Go to site More info
BankSA Vertigo Visa
Enjoy a low balance transfer offer of 0% p.a. for 18 months and a low ongoing purchase rate from BankSA.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
Citi Clear Platinum Card
Enjoy 0% p.a. for 9 months interest-free purchasing and 0% p.a. for 9 months on balance transfers.
0% p.a. for 9 months (reverts to 14.99% p.a.) 0% p.a. for 9 months $99 p.a. Up to 55 days on purchases Go to site More info
BankSA Vertigo Platinum
Experience Platinum card benefits with complimentary insurance policies and 24/7 Visa Platinum Concierge Service. Get 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months if you apply by 4 January 2017.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Up to 55 days on purchases Go to site More info

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 December 4th, 2016
Points per $ spent Complimentary Travel Insurance Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
ANZ Low Rate Platinum Credit Card
$250 Back plus 0% p.a. for the first 6 months on purchases from approval.
Yes 0% p.a. for 6 months (reverts to 13.49% p.a.) $99 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
VISA/MC: 1 AMEX: 0 Yes 19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
NAB Qantas Rewards Premium Card - Exclusive Offer
Get 75,000 bonus Qantas Points plus enjoy a low promotional offer of 4.99% p.a. for 6 months on balance transfers.
VISA/MC: 0.5 AMEX: 1.5 Yes 19.99% p.a. 4.99% p.a. for 6 months $250 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn bonus Velocity Points in the first 3 months and a low 0% p.a. for 18 months on balance transfers. Receive a free Virgin Australia $129 Gift Voucher each year. Available from mid-2016.
VISA/MC: 0.66 AMEX: 0 No 20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Also, enjoy an annual fee waiver in the first year.
VISA/MC: 0 AMEX: 0 Yes 0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
VISA/MC: 1 AMEX: 0 Yes 19.99% p.a. $199 p.a. Go to site More info
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 18 months and an introductory purchase offer of 1% p.a. for 12 months with an annual fee waiver for the first year.
VISA/MC: 0 AMEX: 0 Yes 1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Go to site More info
Citi Rewards Credit Card - Platinum Card
Enjoy a long term balance transfer offer and earn 1.25 Citi Reward Points on per $1 spent for all domestic purchases.
VISA/MC: 1.25 AMEX: 0 Yes 20.99% p.a. 0% p.a. for 24 months with 1.5% balance transfer fee $199 p.a. annual fee for the first year ($249 p.a. thereafter) Go to site More info
American Express Platinum Edge Credit Card
Receive 10,000 Membership Rewards Bonus Points when you meet the minimum spend requirement. Enjoy a $200 travel credit every year and get 0% p.a. for 12 months on balance transfers.
VISA/MC: 0 AMEX: 1 Yes 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $195 p.a. Go to site More info
Bank of Melbourne Vertigo Platinum
A platinum card with a low balance transfer offer of 0% p.a. interest for 18 months and 1% p.a. for 12 months on purchases combined with complimentary insurance covers.
VISA/MC: 0 AMEX: 0 Yes 1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Go to site More info
Citi Qantas Signature Credit Card
Earn up to 50,000 bonus Qantas Points when you spend $2,000 or more on eligible purchases in the first 90 days. Plus, enjoy introductory interest rates on balance transfers and purchases with a discounted annual fee of $199 in the first year.
VISA/MC: 1 AMEX: 0 Yes 20.99% p.a. 0% p.a. for 6 months $199 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
American Express Velocity Platinum Card
Enjoy up to 50,000 bonus Velocity Points when you meet the minimum required spend and earn up to 3 rewards points per dollar spent. Also receive a complimentary return flight every year.
VISA/MC: 0 AMEX: 1 Yes 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $349 p.a. Go to site More info
ANZ Frequent Flyer Platinum
Get 50,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases within the first 3 months. Enjoy a waived annual fee for the first year and earn up to 1.5 Qantas Points per dollar spent.
VISA/MC: 0.5 AMEX: 1.5 Yes 19.99% p.a. $0 p.a. annual fee for the first year ($295 p.a. thereafter) Go to site More info
American Express Explorer Credit Card
Receive 100,000 Membership Rewards Bonus Points on eligible spend within the first 2 months of Card Membership. Also enjoy a $400 travel voucher and two complimentary airline passes per year.
2 Yes 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $395 p.a. Go to site More info
ANZ Rewards Travel Adventures card
Pay no overseas transaction fee on purchases and receive complimentary domestic return flight and lounge passes each year you hold the card when you spend $500 on eligible purchases within the first three months.
VISA/MC: 1 AMEX: 2 Yes 20.24% p.a. $225 p.a. Go to site More info
American Express Qantas Premium Card
Earn as much as 30,000 bonus Qantas Points when you meet the minimum spend requirement. Enjoy frequent flyer benefits including uncapped Qantas Points per $1 spent, complimentary travel insurance and Qantas Club lounge invitations.
VISA/MC: 0 AMEX: 1 Yes 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $249 p.a. Go to site More info
Citi Rewards Platinum Card - Cashback Offer
Earn $250 cashback on eligible spend, plus enjoy 0% p.a. balance transfer offer for 12 months, discounted annual fees for the life of the card and a complimentary travel insurance.
VISA/MC: 1.25 AMEX: 0 Yes 20.99% p.a. 0% p.a. for 12 months $99 p.a. annual fee for the first year ($199 p.a. thereafter) Go to site More info
American Express Platinum Card
Receive 100,000 Membership Rewards Bonus Points when you meet the minimum spend requirement and earn up to 3 points per dollar spent. Gain access to travel insurance, $300 Platinum Travel Credit every year and access to 900 VIP airport lounges.
VISA/MC: 0 AMEX: 1 Yes $1,200 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
An interest-free period on both purchases and balance transfers.
VISA/MC: 0.66 AMEX: 0 No 0% p.a. for 12 months (reverts to 20.74% p.a.) 0% p.a. for 6 months $129 p.a. Go to site More info
Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
Receive 30,000 bonus Velocity Points and earn 1 Velocity Points per $1 spent. Receive an exclusive $129 Virgin Australia Gift Voucher and two complimentary Single Entry Virgin Australia domestic Lounge passes each year.
VISA/MC: 1 AMEX: 0 Yes 20.74% p.a. 1.9% p.a. for 15 months $144 p.a. annual fee for the first year ($289 p.a. thereafter) Go to site More info

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 cannot transfer balances exceeding 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.

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.

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American Express Essential Credit Card
American Express Essential Credit Card

Interest rate

14.99

Annual fee

0
ME Bank frank Credit Card
ME Bank frank Credit Card

Interest rate

11.99

Annual fee

0
HSBC Platinum Credit Card
HSBC Platinum Credit Card

Interest rate

19.99

Annual fee

149

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