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.

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
$55 p.a.
0% p.a. for 15 months with 2% balance transfer fee
Save with 13.25% p.a. on purchases. Also enjoy exclusive offers with the home&Away Privilege Program.
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
Save with 13.24% p.a. on purchases. Also enjoy up to 55 days interest-free.
St.George Vertigo Platinum
12.74% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 20 months
Save with 12.74% p.a. on purchases. Also enjoy Visa Platinum Concierge service.
Westpac Low Rate Card - Online Only Balance Transfer Offer
13.49% p.a.
Up to 55 days on purchases
$59 p.a.
0% p.a. for 24 months with 2% balance transfer fee
A low interest rate on everyday purchases and a long term balance transfer rate offer of 0% for 24 months.
Bendigo Bank Basic Black Credit Card
12.24% p.a.
Up to 44 days on purchases
$45 p.a.
A basic credit card that features low interest rates, low annual fee and up to 44 interest-free days on purchases.
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 insurance and personal concierge. Also repay your credit card debt interest-free with 0% p.a. for 16 months on balance transfers.
NAB Low Rate Platinum Card
13.99% p.a.
Up to 55 days on purchases
$100 p.a.
0% p.a. for 18 months with 3% balance transfer fee
Save with 13.99% p.a. on purchases. Also enjoy access to 7 complimentary insurances.
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
Take advantage of 0% p.a. for 16 months on balance transfers and a low ongoing interest rate on purchases.
Coles Low Rate Mastercard
12.99% p.a.
Up to 62 days on purchases
$49 p.a.
0% p.a. for 6 months
Receive $100 off a single Coles Supermarket shop If you apply, are approved by 30 June 2017 and make a purchase within the first 30 days.
Bank of Melbourne Vertigo Platinum
12.74% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 20 months
Save with 12.74% p.a. on purchases. Also enjoy up to 55 days interest-free.
NAB Low Rate Credit Card
13.99% p.a.
Up to 55 days on purchases
$59 p.a.
0% p.a. for 18 months with 3% balance transfer fee
Save with 13.99% p.a. on purchases. Also enjoy special offers from Visa Entertainment.
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
A no annual fee card that collects up to 1 Membership Rewards point for every $1 spent.
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
Save with 11.99% p.a. on purchases. Also enjoy the protection of Fraudshield.
Westpac Low Rate Card
0% p.a. for 6 months (reverts to 13.49% p.a.)
Up to 55 days on purchases
$59 p.a.
0% p.a. for 12 months
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.
Heritage Bank Gold Low Rate Credit Card
11.80% p.a.
0 interest free days
$0 p.a.
0% p.a. for 12 months
Save with 11.8% p.a. on purchases. Also enjoy $0 annual fee.
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 14 months
Enjoy a low balance transfer offer of 0% p.a. for 14 months and a low ongoing purchase rate from BankSA.

Compare up to 4 providers

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 27th, 2017
Bonus Points Points per $ spent Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
NAB Rewards Platinum Card
Earn double points on purchases made in major department and hardware stores and receive complimentary travel and purchase insurance.
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
Take advantage of a 0% p.a. for 22 months on balance transfers offer with a 2% p.a. balance transfer fee.
VISA/MC: 1 AMEX: 0 19.99% p.a. 0% p.a. for 22 months with 2% balance transfer fee $99 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Exclusive Offer
Earn 2 Velocity Points on top of the standard earn rate per $1 spent on eligible transactions within the first 3 months.
VISA/MC: 0.66 AMEX: 0 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
Citi Rewards Platinum Credit Card
Enjoy a long-term balance transfer offer of 0% p.a. for 24 months with a 1.5% p.a. balance transfer fee.
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.
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
Receive platinum benefits including complimentary insurance covers, airport lounge passes, and a complimentary return flight each year.
55,000 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
Enjoy complimentary membership to the Qantas Frequent Flyer program and international travel 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
Get a $400 travel voucher every year, complimentary airline lounge passes and several travel insurances.
50,000 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
Take advantage of a 0% p.a. for 20 months on balance transfers offer with no balance transfer fee.
VISA/MC: 0 AMEX: 0 12.74% p.a. 0% p.a. for 20 months $99 p.a. Go to site More info
ANZ Frequent Flyer Platinum
Receive a complimentary Qantas Frequent Flyer membership and a range of included insurance covers.
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
Receive 10% cash back on all eligible purchases, capped at $50 per month for 4 months from card approval.
VISA/MC: 0 AMEX: 0 19.99% p.a. 0% p.a. for 6 months $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 up to 55 days interest-free on purchases.
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 a 24/7 personal concierge.
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
Take advantage of a 0% p.a. for 18 months on balance transfers offer with a 3% p.a. balance transfer fee.
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
Receive a $129 Virgin Australia Gift Voucher each year and complimentary insurance with this long-term 0% p.a. interest offer.
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
ANZ Rewards Travel Adventures card
No overseas transaction fee on purchases, plus a complimentary domestic return flight each year when you meet the eligibility criteria.
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 including complimentary travel insurance and purchase protection.
50,000 bonus points 1.5 18.79% p.a. $0 p.a. annual fee for the first year ($95 p.a. thereafter) Go to site More info
Heritage Bank Platinum Credit Card
Take advantage of 0% p.a. for 12 months on balance transfers. Plus, receive complimentary insurance when you travel.
16.75% p.a. 0% p.a. for 12 months $125 p.a. Go to site More info
Westpac 55 Day Platinum Credit Card
Take advantage of a 0% p.a. for 12 months on balance transfers offer, plus up to 55 days interest-free on purchases.
VISA/MC: 0 AMEX: 0 0% p.a. for 6 months (reverts to 19.84% p.a.) 0% p.a. for 12 months $0 p.a. annual fee for the first year ($90 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.

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.

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.

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

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

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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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

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