Fire Service Credit Union Credit Cards

FireServiceCreditUnion-Logo

You can turn to Fire Service Credit Union if you want a low rate or a platinum credit card

Credit Cards Discontinued

Fire Service Credit Union no longer offers credit cards. However, we've left this page up for anyone who may be interested in previous offerings.

The South Australian Fire Brigade Employees Credit Union Cooperative Ltd saw light of day in August 1972, and it changed its name to Fire Service Credit Union Ltd in 1983. You can apply for membership to this credit union if you’re an Emergency Services’ employee or an employee’s family member. With more than 3,000 members under its fold, this credit union offers an array of financial services and products like deposit accounts, loans, insurance solutions, financial planning advice, and credit cards.

Types of Fire Service Credit Union credit cards

Fire Service Credit Union offers two types of credit cards and both come with Mastercard connections, so you can use them worldwide.

  • Low rate credit cards

A low rate credit card is typically a no-frills card that offers little more than a low interest rate. The MyCard Low Rate Mastercard that this credit union offers gives you the ability to avail of up to 55 interest free days on purchases and cardholders also get complimentary insurance covers. If you apply before a given date you can keep paying a discounted annual fee for the life of the card. This credit card comes with a special balance transfer offer.
Learn more about low rate credit cards

  • Platinum credit cards

If you’re looking for a credit card that comes with a generous credit limit, rewards spending, and offers complimentary extras, a platinum card should do the trick. The Fire Service Credit Union MyCard Platinum Mastercard gives you the ability to earn rewards points when you make purchases and it also comes with a number of complimentary insurance covers as well as access to a platinum concierge service. If you apply before a given date, you can keep paying a discounted annual fee for the life of the card.
Learn more about platinum credit cards

Advantages of Fire Service Credit Union credit cards

Getting a MyCard Mastercard from Fire Service Credit Union comes with its share of advantages, and here’s what you can expect.

  • Complimentary insurance covers

MyCard Low Rate Mastercard cardholders get complimentary purchase cover insurance as well as protection through its guaranteed pricing scheme. MyCard Platinum Mastercard cardholders get the same, plus complimentary international travel insurance, interstate flight inconvenience insurance, and transit accident insurance.

  • Concierge service

As a Platinum Mastercard cardholder you can look forward to booking restaurant tables or tickets for movies, live shows, and concerts using a platinum concierge service.

  • Rewards

When you use your MyCard Platinum Mastercard to make eligible purchases, each dollar you spend earns 1.25 reward points. Redeeming reward points presents you with multiple options.

How do I apply for a Fire Service Credit Union Credit Card?

Visiting the Fire Service Credit Union branch in Adelaide is one way, or you can apply for one over the phone. Another option is to download the application form from the Fire Service Credit Union website, and mail or fax it in once it’s complete. You can also apply online, and to get started simply click on the ‘Go to Site’ button next to the card you choose.

Eligibility criteria

  • You’re over 18 years of age.
  • You’re a permanent resident of Australia or an Australian citizen.
  • You have good creditworthiness.
  • You earn a minimum of $25,000 p.a. to apply for the low rate card, and at least $35,000 p.a. to apply for the platinum card.

Required information

When filling out your application, you’ll need to provide different kinds of details, so it’s worthwhile to start when you have access to the following:

  • Personal information. This includes your name, date of birth, driver’s license number, marital status, number of dependents, home address, email address, and phone number.
  • Professional details. These include your employment status and employer’s contact details. Self employed individuals and retirees should provide contact details of their accountants.
  • Monthly financial position. This section requires details about your monthly income from all sources as well as your monthly expenditure. Expenditure includes living expenses, other recurring expenses, as well as loan and credit card payments.

What happens next?

After you submit your application a representative from Fire Service Credit Union might get in touch with you for extra information. You can also expect them to call your employer’s payroll department for income verification. If you’re new with Fire Service Credit Union you’ll have to go through a legally required identity verification process before you receive your card.

Frequently asked questions

People who wish to apply for Fire Service Credit Union credit cards often have questions, and here are answers to the ones asked most frequently.

Completing the online application form requires no more than a few minutes, provided you have access to all the information that you need.
Yes, and to do so you can call 08 8227 2222 during business hours.
Outstanding balances from balance transfers start attracting the given card’s cash advance rate. Outstanding balances from purchases start attracting the card’s purchase rate. Both cards attract slightly higher cash advance rates when compared to their purchase rates.
Maximum credit limit for the Low Rate Mastercard at the time on initial approval is $15,000, and it is $30,000 for the Platinum Mastercard. You can request for an increase over time, but to qualify you have to meet the credit union’s credit criteria.
You have the option of adding details of two additional cardholders when you complete your application. If you wish to add an additional cardholder after receiving your card you can do so online, over the phone, or by visiting the Fire Service Credit Union branch.
No, you enrol into the reward program automatically, and for free, when you receive your Platinum Mastercard.
To find out just how many points you have you can log in to the Card Services website or you can call their helpline on 1300 135 538. Your monthly statement also keeps you updated about your reward points.
Your rewards points don’t expire as long as your credit card account is active and in good standing.
With the Platinum Mastercard, you can earn up to 100,000 in every 12-month period, which first begins from the date of your enrolment into the program.
You can use your reward points for travel rewards, to get shopping vouchers, in the form of cashback, or to get different kinds of merchandise.
While you and the first additional cardholder have the authority to redeem reward points, you can grant this same authority to other additional cardholders as well.
Yes, but you can transfer them only to a cardholder who’s an immediate family member.
To report a stolen or lost card during office hours, call (08) 8227 2222. The number to call on after hours is 1800 648 027. From overseas, you should call 00 61 2 8299 9101. Alternatively, you can also call the Mastercard helpline at 1300 135 538.
Back to top
Back to top

Read more on this topic

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 a Question

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

Disclaimer: At finder.com.au we provide factual information and general advice. Before you make any decision about a product read the Product Disclosure Statement and consider your own circumstances to decide whether it is appropriate for you.
Rates and fees mentioned in comments are correct at the time of publication.
By submitting this question you agree to the finder.com.au privacy policy, receive follow up emails related to finder.com.au and to create a user account where further replies to your questions will be sent.

Credit Cards Comparison

Rates last updated June 27th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Exclusive Offer
Earn 2 Velocity Points on top of the standard earn rate per $1 spent in the first 3 months, plus a $129 Virgin Australia Gift Voucher each year.
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
HSBC Platinum Credit Card
Earn 1 Reward Point per $1 of eligible spend and receive complimentary travel and purchase protection insurances.
19.99% p.a. 0% p.a. for 22 months with 2% balance transfer fee $99 p.a. 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.
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
NAB Premium Card
An introductory rate of 0% p.a. for 20 months on balance transfers combined with premium benefits such as travel insurance covers.
19.74% p.a. 0% p.a. for 20 months with 2% balance transfer fee $90 p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

Ask a question
feedback