Fire Service Credit Union Credit Cards

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

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.

Comparison of Fire Service Credit Union Credit Cards

Rates last updated September 30th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Fire Service Credit Union MyCard Platinum MasterCard
Take advantage of the balance transfer offer of 0 for 14 months and reward points on your card. Also enjoy Platinum concierge service.
20.24% p.a. 0% p.a. for 14 months $175 p.a. More info
Fire Service Credit Union MyCard Low Rate MasterCard
Low annual fee and a balance transfer offer. Up to 55 days interest free on purchases.
12.99% p.a. 0% p.a. for 9 months $75 p.a. More info

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.

Rates last updated September 30th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
Fire Service Credit Union MyCard Low Rate MasterCard
Low annual fee and a balance transfer offer. Up to 55 days interest free on purchases.
12.99% p.a. 0% p.a. for 9 months $75 p.a. Up to 55 days on purchases More info
  • 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.

Rates last updated September 30th, 2016
Bonus Points Points per $ spent Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Fire Service Credit Union MyCard Platinum MasterCard
Take advantage of the balance transfer offer of 0 for 14 months and reward points on your card. Also enjoy Platinum concierge service.
1.25 20.24% p.a. 0% p.a. for 14 months $175 p.a. More info
Rates last updated September 30th, 2016
Bonus Points Points per $ spent Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
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 bonus Velocity Points in the first 3 months and a low 0% p.a. for 18 months on balance transfers. Receive a free Virgin Australia $129 Gift Voucher each year. Available from mid-2016.
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
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 18 months and an introductory purchase offer of 1% p.a. for 12 months with an annual fee waiver for the first year.
VISA/MC: 0 AMEX: 0 1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Go to site More info
Citi Qantas Signature Credit Card
Earn up to 50,000 bonus Qantas Points when you spend $2,000 or more on eligible purchases in the first 90 days. Plus, enjoy introductory interest rates on balance transfers and purchases with a discounted annual fee of $199 in the first year.
50,000 bonus points VISA/MC: 1 AMEX: 0 20.99% p.a. 0% p.a. for 6 months $199 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive $200 back when you spend $500 in the first 3 months. Also enjoy a $0 annual fee for the first year.
VISA/MC: 0 AMEX: 0 19.74% p.a. $0 p.a. annual fee for the first year ($87 p.a. thereafter) 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
Citi Rewards Credit Card - Platinum Card
Enjoy a long term balance transfer offer and earn 1.25 Citi Reward Points on per $1 spent for all domestic purchases.
VISA/MC: 1.25 AMEX: 0 20.99% p.a. 0% p.a. for 24 months with 1.5% balance transfer fee $199 p.a. annual fee for the first year ($249 p.a. thereafter) Go to site More info
American Express Platinum Edge Credit Card
Receive 10,000 Membership Rewards Bonus Points when you meet the minimum spend requirement. Also receive a complimentary Virgin Australia domestic economy return flight every year.

10,000 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $195 p.a. 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 18 months and 1% p.a. for 12 months on purchases combined with complimentary insurance covers.
VISA/MC: 0 AMEX: 0 1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Go to site More info
American Express Velocity Platinum Card
Enjoy up to 50,000 bonus Velocity Points when you meet the minimum required spend and earn up to 3 rewards points per dollar spent. Also receive a complimentary return flight every year.
50,000 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $349 p.a. Go to site More info
ANZ Frequent Flyer Platinum
Get 50,000 bonus Qantas Points after first eligible purchase is made within three months. Earn up to 1.5 Qantas Points per $1 spent on purchases.
50,000 bonus points VISA/MC: 0.5 AMEX: 1.5 19.99% p.a. $295 p.a. Go to site More info
ANZ Rewards Travel Adventures card
Pay no overseas transaction fee on purchases and 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.
VISA/MC: 1 AMEX: 2 20.24% p.a. $225 p.a. Go to site More info
American Express Qantas Premium Card
Earn as much as 30,000 bonus Qantas Points when you meet the minimum spend requirement. Enjoy frequent flyer benefits including uncapped Qantas Points per $1 spent, complimentary travel insurance and Qantas Club lounge invitations.
30,000 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $249 p.a. Go to site More info
Citi Rewards Platinum Card - Cashback Offer
Earn $250 cashback on eligible spend, plus enjoy 0% p.a. balance transfer offer for 12 months, discounted annual fees for the life of the card and a complimentary travel insurance.
VISA/MC: 1.25 AMEX: 0 20.99% p.a. 0% p.a. for 12 months $99 p.a. annual fee for the first year ($199 p.a. thereafter) Go to site More info
American Express Platinum Card
Receive 80,000 Membership Rewards Bonus Points when you meet the minimum spend requirement and earn up to 3 points per dollar spent. Gain access to travel insurance, $300 Platinum Travel Credit every year and access to 800 VIP airport lounges.
80,000 bonus points VISA/MC: 0 AMEX: 1 $1,200 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
Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
Receive 30,000 bonus Velocity Points and earn 1 Velocity Points per $1 spent. Receive an exclusive $129 Virgin Australia Gift Voucher and two complimentary Single Entry Virgin Australia domestic Lounge passes each year.
30,000 bonus points VISA/MC: 1 AMEX: 0 20.74% p.a. 0% p.a. for 6 months $144 p.a. annual fee for the first year ($289 p.a. thereafter) Go to site More info
ANZ Rewards Platinum
Enjoy accelerated points earning and great Platinum features with ANZ Rewards Platinum card. Also offering 50,000 Reward Points after your first eligible purchase is made within 3 months of card approval.
50,000 bonus points VISA/MC: 1 AMEX: 2 18.79% p.a. $95 p.a. Go to site More info
American Express Qantas Ultimate Card
Enjoy 50,000 bonus Qantas Points when you meet the minimum spend requirement and earn up to 3 Qantas Points for every $1 spent. Also enjoy a complimentary return flight every year.
50,000 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $450 p.a. Go to site More info
ANZ Low Rate Platinum Credit Card
Platinum card perks with a low ongoing interest rate.
13.49% p.a. 0% p.a. for 18 months with 3% balance transfer fee $99 p.a. Go to site More info
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. Don’t apply if you don’t meet the eligibility criteria, which include the following.

  • 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.

Does it take much time to complete the online application?

Completing the online application form requires no more than a few minutes, provided you have access to all the information that you need.

Can I check my application’s status?

Yes, and to do so you can call 08 8227 2222 during business hours.

What happens to the special rate at the end of the introductory period?

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.

What is the maximum credit limit and can I request an increase?

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.

How can I add an additional cardholder?

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.

Does the rewards program attract a fee?

No, you enrol into the reward program automatically, and for free, when you receive your Platinum MasterCard.

How can I find out my points balance?

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.

Do these reward points expire?

Your rewards points don’t expire as long as your credit card account is active and in good standing.

Is there a cap on the number of points I can earn?

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.

What can I get using my reward points?

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.

Who can redeem my reward points?

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.

Can I transfer my rewards points to someone else?

Yes, but you can transfer them only to a cardholder who’s an immediate family member.

What should I do if I lose my card?

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.
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American Express Essential Credit Card
American Express Essential Credit Card

Interest rate

14.99

Annual fee

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ME Bank frank Credit Card
ME Bank frank Credit Card

Interest rate

11.99

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HSBC Platinum Credit Card
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Interest rate

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ANZ First Visa Credit Card - Exclusive Offer
ANZ First Visa Credit Card - Exclusive Offer

Interest rate

19.74

Annual fee

30
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Credit Cards Comparison

Rates last updated September 30th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
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
ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
11.99% p.a. $0 p.a. Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. 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.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards CreditCardFinder.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.

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