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 January 19th, 2018
Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate (p.a.) Product Description
HSBC Low Rate Credit Card
13.25% p.a.
Up to 55 days on purchases
$79 p.a.
0% p.a. for 20 months with 2% balance transfer fee
Add additional cardholders for $0 and pay using Apple Pay. Also enjoy exclusive offers with the home&Away Privilege Program.
St.George Vertigo Platinum - Online Offer
12.74% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
0% p.a. for 24 months
Platinum card benefits plus 0% p.a. for 24 months on balance transfers (with no BT fee) and $0 annual fee in the first year. Ends 31 January 2018.
Westpac Low Rate Card - Online Only Balance Transfer Offer
13.49% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
0% p.a. for 30 months with 2% balance transfer fee
Take advantage of 0% p.a. for 30 months on balance transfers with a 2% balance transfer fee when you apply online by 28 February 2018.
Virgin Money Low Rate Credit Card
11.99% p.a.
Up to 44 days on purchases
$49 p.a.
0% p.a. for 14 months
Receive a discounted annual fee, $100 cashback when you meet the spend requirement and up to 14 months interest-free on balance transfers.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0% p.a. for 14 months (reverts to 20.74% p.a.)
Up to 44 days on purchases
$129 p.a.
0% p.a. for 6 months
Until 31 January 2018, save with 0% p.a. on purchases for 14 months. Plus, up to 0.66 Velocity Points per $1 spent.
ANZ Low Rate Platinum
11.49% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 15 months
Enjoy 0% p.a. on balance transfers for 15 months with no BT fee, combined with platinum card privileges and complimentary insurances.
Bankwest Breeze Classic Mastercard
12.99% p.a.
Up to 55 days on purchases
$79 p.a.
0% p.a. for 24 months with 2% balance transfer fee
Receive a long-term balance transfer offer of 0% p.a. for 24 months, a low ongoing purchase rate and up to 55 interest-free days on purchases.
St.George Amplify Card
19.49% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($79 p.a. thereafter)
3% p.a. for 36 months
Take advantage of a 3% p.a. interest rate on balance transfers for 36 months. Plus, a $0 first year annual fee and 1 Amplify Point per $1 spent.
Bankwest Breeze Platinum Mastercard
12.99% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 24 months with 2% balance transfer fee
Receive a 0% p.a. interest rate on balance transfers for 24 months, complimentary travel insurance and 0% foreign transaction fees.
Bank of Melbourne Vertigo Visa Credit Card
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 with 1% balance transfer fee
Save with a $0 first year annual fee and a 0% p.a. for 18 months balance transfer offer. Plus, up to 55 days interest-free on purchases.
Westpac Lite Card
9.90% p.a.
Up to 45 days on purchases
$108 p.a.
Keep credit card costs low with a maximum credit limit of $4,000, a 9.9% p.a. purchase interest rate and no foreign transaction fees.
NAB Low Rate Platinum Card
0% p.a. for 9 months (reverts to 13.99% p.a.)
Up to 55 days on purchases
$100 p.a.
4.99% p.a. for 6 months
A platinum card that offers 0% p.a. for 9 months on purchases. Plus 4.99% p.a. on balance transfers for 6 months.
ANZ Low Rate
12.49% p.a.
Up to 55 days on purchases
$58 p.a.
0% p.a. for 15 months
With a low minimum credit limit of $1,000, this no frills card allows you to add up to 3 additional cardholders for $0 and has Mastercard PayPass.
Bank of Melbourne Vertigo Platinum
12.74% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 24 months with 1% balance transfer fee
Get a range of complimentary insurance covers, access to a 24/7 concierge and the convenience of Visa payWave contactless technology.
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 18 months with 1% balance transfer fee
Save with a $0 first year annual fee and a 0% p.a. for 18 months balance transfer offer. Plus, up to 55 days interest-free on purchases.
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 3% balance transfer fee
Get Smartphone Screen Insurance of up to $500 when you pay for your phone or contract with this card. Plus, a $0 annual fee for life.
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 with 1% balance transfer fee
A no-frills Visa with the protection of a zero liability policy and a 24/7 fraud monitoring service.
NAB Low Rate Credit Card
0% p.a. for 6 months (reverts to 13.99% p.a.)
Up to 55 days on purchases
$59 p.a.
4.99% p.a. for 6 months
This card offers a low introductory rate of 0% p.a. for 6 months on purchases. Plus 4.99% p.a. on balance transfers for 6 months.

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 January 19th, 2018
Name Product Bonus Points Rewards Program Rewards Points per $ spent Purchase rate (p.a.) Annual fee Product Description
HSBC Platinum Credit Card
HSBC Rewards Plus


1
19.99% p.a.
$129 p.a.
Offers a 0% p.a. for 22 months balance transfer and an annual fee refund each year when you spend $6,000. Plus, complimentary travel insurance.
NAB Premium Card - Exclusive Offer
19.74% p.a.
$90 p.a.
Exclusive to finder.com.au, enjoy a no BT fee, 0% balance transfer offer for 25 months and seven complimentary insurance covers.
St.George Vertigo Platinum - Online Offer
12.74% p.a.
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Platinum card benefits plus 0% p.a. for 24 months on balance transfers (with no BT fee) and $0 annual fee in the first year. Ends 31 January 2018.
Woolworths Everyday Platinum Credit Card
Woolworths Rewards


1
19.99% p.a.
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
Receive a $50 eGift Card when you meet the offer criteria, a 0% p.a. for 14 month balance transfer offer and a $0 first year annual fee.
Virgin Australia Velocity Flyer Card - Bonus Points Offer
60,000 bonus points
Velocity Frequent Flyer


0.66
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Earn up to 60,000 bonus Velocity Points in the first 3 months on eligible spend and enjoy a discounted annual fee of $64 for the first year.
Citi Platinum Credit Card - 100k Bonus Points
100,000 bonus points
Citi Rewards Program


1
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Earn 100,000 reward Points, enjoy a long-term balance transfer offer, a discounted first year annual fee and complimentary travel insurance.
Westpac 55 Day Platinum Credit Card
19.84% p.a.
$0 p.a. annual fee for the first year ($90 p.a. thereafter)
Receive a 20 month balance transfer offer, up to 55 days interest-free on purchases, a platinum concierge service and a $0 first year annual fee.
ANZ Low Rate Platinum
11.49% p.a.
$99 p.a.
Enjoy 0% p.a. on balance transfers for 15 months with no BT fee, combined with platinum card privileges and complimentary insurances.
Bankwest Breeze Platinum Mastercard
12.99% p.a.
$99 p.a.
Receive a 0% p.a. interest rate on balance transfers for 24 months, complimentary travel insurance and 0% foreign transaction fees.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Velocity Frequent Flyer


0.66
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Save with 0% p.a. for 18 months on balance transfers, earn 3 bonus Velocity Points per $1 for the first 3 months and get a yearly $129 Gift Voucher.
Citi Rewards Platinum Credit Card
Citi Rewards Program


1
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Earn reward Points per $1 spent, take advantage of a 0% p.a. for 26 month balance transfer offer, plus complimentary international travel insurance.
HSBC Platinum Qantas Credit Card
60,000 bonus points
Qantas Frequent Flyer


1
19.99% p.a.
$199 p.a.
Receive 60,000 bonus Qantas Points when you spend $3,000 within 3 months of card approval, plus enjoy complimentary travel insurance.
NAB Rewards Platinum Card
60,000 bonus points
NAB Rewards


1
19.99% p.a.
$195 p.a.
Collect 60,000 bonus points when you spend $2,500 within 60 days of account opening. Plus, receive complimentary travel and purchase insurances.
Qantas American Express Premium Card
30,000 bonus points
Qantas Frequent Flyer


1.25
20.74% p.a.
$249 p.a.
Enjoy 30,000 bonus Qantas Points, 2 complimentary Qantas Club lounge invitations per year and the protection of complimentary insurance covers.
ANZ Frequent Flyer Platinum
65,000 bonus points
Qantas Frequent Flyer


0.75
19.99% p.a.
$0 p.a. annual fee for the first year ($295 p.a. thereafter)
Receive 65,000 bonus Qantas Points when you spend $2,500 on eligible purchases within the first 3 months. Plus, a $0 annual fee for the first year.
American Express Explorer Credit Card
50,000 bonus points
Membership Rewards Gateway


2
20.74% p.a.
$395 p.a.
Receive a yearly $400 Travel Credit, 50,000 bonus points and up to 2 entries per year to the American Express Lounge at Sydney International Airport.
Citi Simplicity Card
19.99% p.a.
$0 p.a.
Earn 5% cashback on eligible purchases (capped at $50 per month) for the first 90 days from card approval. Plus, a 15 month balance transfer offer.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Velocity Frequent Flyer


0.66
0% p.a. for 14 months (reverts to 20.74% p.a.)
$129 p.a.
Save with 0% p.a. on purchases for 14 months and 0% p.a. on balance transfers for 6 months. Plus, earn up to 0.66 Velocity Points per $1 spent.
BankSA Vertigo Platinum
12.74% p.a.
$99 p.a.
Offers a long-term balance transfer, low ongoing purchase rate, complimentary travel insurance and access to a 24/7 personal concierge service.
NAB Low Rate Platinum Card
0% p.a. for 9 months (reverts to 13.99% p.a.)
$100 p.a.
Enjoy a 0% p.a. interest rate offer on purchases for 9 months and the protection of 7 complimentary insurances including overseas travel insurance.

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.

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Credit Card Offers

Important Information*
NAB Premium Card - Exclusive Offer
NAB Premium Card - Exclusive Offer

Interest rate

19.74

Annual fee

90
St.George Vertigo Platinum - Online Offer
St.George Vertigo Platinum - Online Offer

Interest rate

12.74

Annual fee

99
Woolworths Everyday Platinum Credit Card
Woolworths Everyday Platinum Credit Card

Interest rate

19.99

Annual fee

49
Virgin Money Low Rate Credit Card
Virgin Money Low Rate Credit Card

Interest rate

11.99

Annual fee

49

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