Firefighters Credit Union Credit Cards

FCCL

Compare cards from the credit union that works for firefighters and their financial needs

Firefighters Credit Union came into being owing to the efforts of a Metropolitan Fire Brigade welfare officer, Freed Tyson. It began operations in 1976. Under its original name of UFU Credit Union, its operations depended on volunteers and assistance from the United Firefighters Union.

Firefighters Credit Union now has its head office in Fitzroy and an agency in Eildon, and it serves employees from all types of fire brigades like MFESB, Air Services, and CFA, as well as their families and friends. This credit union provides financial services and products in the realm of loans, savings accounts, term deposits, credit cards, and insurance solutions. Find out more about their credit card offerings on the page below.

Important information

The Firefighters Credit Union credit cards are no longer available for new applications. However, we've kept the information online for the benefit of existing customers and for those who are interested.

You can compare the current range of low interest rate and platinum credit cards here.

Types of credit cards that Firefighters Credit Union offers

Turn to Firefighters credit union for your choice of a platinum or low rate credit card. Both MasterCards, these cards find global acceptance and competitive features.

  • Low rate credit cards

These type of credit cards can support your credit card spending without charging you too much for not repaying your entire balance. In addition to a low ongoing rate, the MyCard Low Rate MasterCard gives up to 55 interest-free days on purchases. This card also offers insurance covers that protect your purchases.

Rates last updated May 1st, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
NAB Low Rate Credit Card
A low rate card which offers 0% p.a. on balance transfers for the first 18 months combined with a low annual fee.
13.99% p.a. 0% p.a. for 18 months with 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 12 months on balance transfers and 0% p.a. for 6 months on purchases, plus a low annual fee.
0% p.a. for 6 months (reverts to 13.24% p.a.) 0% p.a. for 12 months $55 p.a. Up to 55 days on purchases Go to site More info
HSBC Low Rate Credit Card
This card comes with a balance transfer offer, a low interest rate and up to 55 days interest-free on purchases.
13.25% p.a. 0% p.a. for 15 months with 2% balance transfer fee $55 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
ANZ Low Rate Platinum
Enjoy platinum benefits with exclusive discounts, complimentary travel insurance and personal concierge. Also repay your credit card debt interest-free with 0% p.a. for 16 months on balance transfers.
11.49% p.a. 0% p.a. for 16 months with 2% balance transfer fee $99 p.a. Up to 55 days on purchases Go to site More info
NAB Low Rate Platinum Card
Offers a low introductory rate of 0% p.a. on balance transfers for 18 months plus enjoy premium benefits including international travel insurance.
13.99% p.a. 0% p.a. for 18 months with 3% balance transfer fee $100 p.a. Up to 55 days on purchases Go to site More info
Bendigo Bank Basic Black Credit Card
A basic credit card that features low interest rates, low annual fee and up to 44 interest-free days on purchases.
12.24% p.a. $45 p.a. Up to 44 days on purchases Go to site More info
Westpac Low Rate Card - Online Only Balance Transfer Offer
A low interest rate on everyday purchases and a long term balance transfer rate offer of 0% for 24 months.
13.49% p.a. 0% p.a. for 24 months with 2% balance transfer fee $59 p.a. Up to 55 days on purchases Go to site More info
ANZ Low Rate
Take advantage of 0% p.a. for 16 months on balance transfers and a low ongoing interest rate on purchases.
12.49% p.a. 0% p.a. for 16 months with 2% balance transfer fee $58 p.a. Up to 55 days on purchases Go to site More info
Virgin Money Low Rate Credit Card
Enjoy a low ongoing purchase rate with an introductory rate on balance transfers and a competitive annual fee.
11.99% p.a. 0% p.a. for 12 months $99 p.a. Up to 44 days on purchases Go to site More info
St.George Vertigo Platinum - Online Only Balance Transfer Offer
Enjoy a long-term balance transfer offer of 3% p.a. for 36 months when you apply online, plus complimentary insurance covers and a personal concierge service.
12.74% p.a. 3% p.a. for 36 months $99 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.
0% p.a. for 6 months (reverts to 13.49% p.a.) 0% p.a. for 12 months $59 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 12 months and 0% p.a. for 6 months on purchases combined with complimentary insurance covers.
0% p.a. for 6 months (reverts to 12.74% p.a.) 0% p.a. for 12 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

If you want to spend on your card while enjoying access to premium features, you might want to consider a platinum card. Compare these cards by their additional features and the value for money you're getting in terms of the extra costs they come with. Enrolment to the Card Services Rewards Program is free, through which you can redeem your reward points in different ways. You can access a 24/7 concierge service and a bunch of complimentary insurance covers.

Rates last updated May 1st, 2017
Bonus Points Points per $ spent Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
NAB Rewards Platinum Card
Enjoy 80,000 bonus points when you spend $2,500 on everyday purchases within 90 days from card approval. Benefit from $0 annual fee for the first year and a range of platinum features.
80,000 bonus points 1 19.99% p.a. 4.99% p.a. for 6 months $0 p.a. annual fee for the first year ($195 p.a. thereafter) 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 19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn 2 Velocity Points on top of the standard earn rate per $1 spent within the first three months. Plus, save with a long-term balance transfer offer and a reduced annual fee in the first year.
VISA/MC: 0.66 AMEX: 0 20.74% p.a. 0% p.a. for 18 months with 1.5% balance transfer fee $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
Citi Rewards Platinum Credit Card
Enjoy a long-term balance transfer offer and earn 1 Citi Reward Point per $1 spent on all eligible domestic and international spend.
VISA/MC: 1 AMEX: 0 20.99% p.a. 0% p.a. for 24 months with 1.5% balance transfer fee $49 p.a. annual fee for the first year ($149 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 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
Platinum credit card benefits including higher credit limits and travel insurance, plus a low interest rate on balance transfers.
VISA/MC: 0 AMEX: 0 19.74% p.a. 0% p.a. for 24 months with 3% balance transfer fee $90 p.a. Go to site More info
Qantas American Express Ultimate Card
Enjoy 75,000 bonus Qantas Points when you meet the spend criteria plus 75 Bonus Status Credits when you book and fly back with Qantas. Earn up to 2.5 Qantas Points per $1 spent on eligible purchases.
75,000 bonus points 1.5 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $450 p.a. 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.
60,000 bonus points VISA/MC: 1 AMEX: 0 19.99% p.a. $199 p.a. Go to site More info
American Express Explorer Credit Card
Receive 100,000 Membership Rewards Bonus Points on eligible spend within the first 3 months of card membership. Also enjoy a $400 travel voucher and two complimentary airline passes per year.
100,000 bonus points 2 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $395 p.a. Go to site More info
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 12 months and an introductory purchase offer of 0% p.a. for 6 months.
VISA/MC: 0 AMEX: 0 0% p.a. for 6 months (reverts to 12.74% p.a.) 0% p.a. for 12 months $99 p.a. Go to site More info
NAB Rewards Business Platinum Card
Enjoy 80,000 bonus points when you meet the spend criteria, earn 1 rewards point per $1 spent and enjoy a $0 annual card fee for the first year.
80,000 bonus points 1 18.50% p.a. $0 p.a. annual fee for the first year ($175 p.a. thereafter) 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 0.750 Qantas Points for spending.
50,000 bonus points 0.75 19.99% p.a. $0 p.a. annual fee for the first year ($295 p.a. thereafter) Go to site More info
Citi Simplicity Card
Take advantage of the 0% p.a. for 15 months offer on balance transfers, a low interest rate on purchases, an annual fee waiver for life, plus 5% cash back on retail purchases.
VISA/MC: 0 AMEX: 0 19.99% p.a. 0% p.a. for 15 months with 1.5% balance transfer fee $0 p.a. Go to site More info
28 Degrees Platinum MasterCard
Benefit from no international transaction fees on purchases, no currency conversion fees and no annual fee.
21.99% p.a. 4.99% p.a. for 6 months $0 p.a. Go to site More info
ANZ Low Rate Platinum
Enjoy platinum benefits with exclusive discounts, complimentary travel insurance and personal concierge. Also repay your credit card debt interest-free with 0% p.a. for 16 months on balance transfers.
11.49% p.a. 0% p.a. for 16 months with 2% balance transfer fee $99 p.a. Go to site More info
NAB Low Rate Platinum Card
Offers a low introductory rate of 0% p.a. on balance transfers for 18 months plus enjoy premium benefits including international travel insurance.
13.99% p.a. 0% p.a. for 18 months with 3% balance transfer fee $100 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 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
Woolworths Everyday Platinum Credit Card
Receive a $100 eGift Card when you apply by 30 June 2017 and make an eligible purchase by 31 July 2017. Also, enjoy a long-term balance transfer offer and an annual fee waiver for the first year.
VISA/MC: 1 AMEX: 0 19.99% p.a. 0% p.a. for 14 months $0 p.a. annual fee for the first year ($49 p.a. thereafter) Go to site More info
ANZ Rewards Travel Adventures card
Pay no overseas transaction fee on purchases, earn up to 1.5 for every dollar spent on eligible purchases, plus 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.
1.5 20.24% p.a. $225 p.a. Go to site More info
ANZ Rewards Platinum
Enjoy accelerated points earning and great Platinum features with ANZ Rewards Platinum card. Also get the chance to receive $250 Westfield Gift Card when you spend $2,500 in the first 60 days from card approval plus a waived annual fee for the first year.
1.5 18.79% p.a. $0 p.a. annual fee for the first year ($95 p.a. thereafter) Go to site More info

Benefits of getting a Firefighters Credit Union credit card

As a Firefighters Credit Union member you can look forward to highly competitive interest rates, low fees and personal service. When you get a MasterCard through this credit union, you get the following benefits.

  • Be protected with complimentary insurance

If you get the low rate MasterCard you will receive protection in the form of a guaranteed pricing scheme and purchase cover insurance. These are offered with the platinum card as well, with this card also offering transit accident insurance, interstate slight convenience insurance, and international travel insurance.

  • Platinum concierge service

The Platinum MasterCard gives cardholders access to a 24/7 platinum concierge service. Through this service you can locate restaurants and reserve tables, you can book tickets for just about any kind of an event, book flight tickets and hotel rooms, arrange for delivery of gifts, and you find assistance for business needs.

  • Secure shopping

The MasterCard you get through Firefighters Credit Union makes use of microchip technology, protecting you each time you use your card. Fraudshield is in place to track irregular account activity, and the MasterCard SecureCode program provides an additional layer of security when you use your card for online transactions.

Frequently asked questions

For answers to questions you have about Firefighters Credit Union credit cards, check below. You can also leave behind a question for a member of the finder.com.au team using the form at the end of the page.

How can I make repayments?

You can set up automatic repayments using a Firefighters Credit Union savings account, and you can also do this using other Australian savings or transaction accounts. You have the option of mailing cheques in, and you can also make payments via Firefighters Credit Union’s phone and online banking platforms.

What credit limit can I expect?

The minimum and maximum credit limits of the low rate MasterCard are $2,000 and $15,000, respectively. The platinum card comes with a minimum limit of $6,000 and maximum limit of $30,000. The credit limit that Card Services assigns to you depends on various factors like your income, liabilities, and creditworthiness.

How do I earn reward points?

Platinum cardholders, and their linked additional cardholders, earn reward points when they make retail purchases, where every dollar spent earns 1.25 reward points.

How do I redeem reward points?

Your reward points accumulate in your Card Services Rewards Program account, and an easy way to redeem these points is through the Card Services website. You can also redeem your points by calling Card Services.

Who can redeem my reward points?

The primary and first additional cardholders have authority to redeem reward points, and the primary cardholder can grant this authority to other cardholders, too.

What can I get in exchange for my reward points?

You can use your reward points to book flight tickets through Take Flight, and you have the option of transferring them to a frequent flyer program like Emirates Skywards, Velocity, or KrisFlyer. When used as cashback, your reward points can help reduce your account’s outstanding balance or pay your card’s annual fee. You also get to choose from an array of travel and retail related discounts and offers.

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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
NAB Low Rate Credit Card
NAB Low Rate Credit Card

Interest rate

13.99

Annual fee

59

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