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 August 22nd, 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 an annual fee discount in the first year and the ability to make contactless payments with Visa payWave technology.
Bank of Melbourne Vertigo Platinum
12.74% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 20 months
Get a range of complimentary insurance covers, access to a 24/7 concierge and the convenience of Visa payWave contactless technology.
St.George Vertigo Platinum
12.74% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 20 months
Offers complimentary travel insurance, complimentary purchase insurance and access to a 24/7 personal concierge service.
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
A no-frills Visa with the protection of a zero liability policy and a 24/7 fraud monitoring service. Plus, a discounted annual fee in the first year.
Coles Low Rate Mastercard
12.99% p.a.
Up to 62 days on purchases
$58 p.a.
0% p.a. for 6 months
Collect 0.5 flybuys points per $1 spent at Coles supermarkets and get free delivery on orders over $100. Plus, Coles Mobile Wallet.
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
Add additional cardholders for $0 and pay using Apple Pay. Also enjoy exclusive offers with the home&Away Privilege Program.
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
Offers a low $500 minimum credit limit, special offers from Visa Entertainment and Tap and Pay capabilities.
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
Receive a $50 credit when you apply online, are approved and spend $750 on your new card within the first 3 months of card membership.
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
Take advantage of the optional insurance coverage of CreditShield Edge. Plus, enjoy the convenience of contactless payments with Visa payWave.
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 and purchase insurances and a 24/7 personal concierge.
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
Until 31 October 2017, save with 0% p.a. on purchases for 12 months. Plus, up to 0.66 Velocity Points per $1 spent.
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
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.
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
Enjoy the protection of 7 complimentary insurances including overseas travel and purchase protection insurance.
CUA Low Rate Credit Card
11.99% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
0% p.a. for 13 months
Offer a low minimum credit limit of $500, the ability to use Apple Pay and Android Pay and a discounted annual fee for the first year.

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 August 22nd, 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 BT fee, long-term balance transfer offer with platinum privileges, including travel insurance.
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% balance transfer fee.
NAB Rewards Platinum Card
50,000 bonus points
1
19.99% p.a.
$195 p.a.
Earn double reward points when the minimum required spend is met and enjoy 0% p.a. on balance transfers for 6
Citi Rewards Platinum Credit Card
1
0
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Apply by 30 September 2017 to 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)
Exclusive to finder, receive 0% p.a. interest on purchases for 3 months and 0% p.a. on balance transfers for 12 months with no balance transfer fee.
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.
Receive a $400 Travel Credit every year and up to two entries per year to the American Express Lounge at Sydney International Airport.
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 ($129 p.a. thereafter)
Exclusive to finder.com.au, take advantage of 0% p.a. for 18 months on balance transfers and a discounted annual fee in the first year.
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.
Earn 10% cashback on eligible purchases (capped at $50 per month) for the first 4 months from card approval.
BankSA Vertigo Platinum
0
0
12.74% p.a.
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Take advantage of purchase protection, extended warranty and overseas travel insurance, plus a 24/7 concierge.
28 Degrees Platinum Mastercard
21.99% p.a.
$0 p.a.
Designed for travel, benefit from no international transaction fees on purchases and no currency conversion fees.
ANZ Low Rate Platinum
11.49% p.a.
$99 p.a.
Enjoy platinum benefits with exclusive discounts, complimentary travel and purchase insurances 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 and the protection of 7 complimentary insurances.
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.
Save with 0% p.a. on purchases for 12 months. Plus, up to 0.66 Velocity Points per $1 spent.
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.
Enjoy complimentary insurance covers plus 0% p.a. on balance transfers for 6 months.

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.

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NAB Premium Card - Exclusive Offer
NAB Premium Card - Exclusive Offer

Interest rate

19.74

Annual fee

90
Qantas American Express Ultimate Card
Qantas American Express Ultimate Card

Interest rate

20.74

Annual fee

450
St.George Vertigo Platinum
St.George Vertigo Platinum

Interest rate

12.74

Annual fee

99
NAB Low Rate Credit Card
NAB Low Rate Credit Card

Interest rate

13.99

Annual fee

59

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