FCCL MyCard Platinum MasterCard Review

Information verified correct on May 1st, 2017

This platinum credit card comes with a promotional rate on purchases and balance transfers for months, and it offers an array of extras.

Important information

The FCCL MyCard Platinum MasterCard is 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 platinum credit cards here.

This community-focused credit union offers a competitive range of products to their members. If you're a firefighter or member of the emergency services, sector, or one of your relatives or friends is, you can benefit from their products, which includes the FCCL MyCard Platinum MasterCard. The card charges interest on purchases and balance transfers for the first months, helping you pay down your debt while you continue to use the card. It provides cardholders a number of complimentary insurance covers, and they get access to a 24/7 platinum concierge service. You can also earn rewards for each one of your purchases, and your card will cost you less to hold with a discounted annual fee that applies for life.

FCCL MyCard Platinum MasterCard review

The introductory interest rate offer on this card is competitive for a platinum card, especially as it applies to balance transfers as well as purchases. The  rate can lead to noticeable savings if you make use of it during the introductory period. Cardholders get peace of mind through a number of complimentary purchase and travel insurance covers, and the global concierge service can assist you in different ways, adding to the card’s value.

Benefits of the FCCL MyCard Platinum MasterCard

      • Promotional rate. Balances from purchases and balance transfers attract  interest for the first  months, so while you can save significantly by transferring balances to this card, you also don’t have to pay any interest on purchases for the first  months. This means you won't have to worry about how your repayments are applied if you decide to use your card while paying down a debt.
      • Rewards. This card comes linked to the Card Services Rewards Program, where every dollar you spend on eligible purchases earns 1.25 reward points. Redeeming reward points presents multiple options like booking flight tickets, getting travel or store vouchers, using reward points as cashback, or transferring them to a frequent flyer program
      • Complimentary insurance covers. All FCCL Platinum MasterCard holders receive protection through complimentary insurance covers like a guaranteed pricing scheme and purchase cover insurance that secures purchases you make using the card. When it comes to travel, cardholders are the ones being protected with transit accident insurance, interstate flight inconvenience insurance, and international travel insurance.
      • Platinum concierge service. This service offers round-the-clock assistance in various languages making it useful for all cardholders and also for the world traveller as you can address your concerns in different cities around the world. You can turn to it to reserve tables at restaurants, it can assist you in making travel plans, you can use it to book tickets for different kinds of events, and then some.

FCCL MyCard Platinum MasterCard features

    • Annual fee. This card attracts an annual fee of $129.
    • Interest rate offer. This card charges 0% p.a. interest on balance transfers and this rate applies for the first 14 months. The cash advance rate will apply at the end of this period for balance transfers, so ensure you're outstanding debt is repaid to avoid accruing interest charges. The standard purchase rate will apply for any purchases you haven't paid off.
    • Rewards programEvery 12 months you have the ability to earn as many as 100,000 reward points – just keep your account active and in good standing.  The Card Services Rewards Program gives you a wide variety of options when it comes to redeeming your points.
    • Interest-free days. You can get as many as 55 interest-free days on purchases, you just have to pay the closing balance mentioned on your statement in full before the given due date, every month.
    • Complimentary insurances. You receive complimentary travel insurances when you use this card to book travel tickets, and purchases made using this card also receive protection through complimentary covers.
    • Additional cards. You, as the primary cardholder, can get up to 4 additional cards, and these cards earn reward points as well.
    • Card security. This card comes with an embedded microchip that offers more protection against fraudulent usage when compared to cards with magnetic strips. MasterCard SecureCode provides extra security when you decide to use your card to spend online.
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