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.
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.
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 round-the-clock concierge service for assistance of different kinds, and you also get a bunch of complimentary insurance covers.
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.
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.
Applying for a Firefighters Credit Union credit card
You can visit the Firefighters Credit Union head office or agency to apply for the Low Rate or Platinum MasterCard, and you can also get started by calling the credit union directly. You can download an application, and mail, fax, or email it once completed. Remember that you have to meet the following application criteria to qualify.
- You’re at least 18 years old
- You’re a permanent resident of Australia
- You don’t have poor credit history
- You meet minimum income requirements ($35,000 p.a. for the platinum card, and $25,000 p.a. for the low rate card)
- Personal details. This section requires details such as your name and the number of dependants you have.
- Contact details. Here, provide your name, address and phone number.
- Financial position. You’ll need to mention your gross monthly salary and income from other sources. Also include your expenses, assets, current debts and liabilities.
- Professional details. Select employment status, and provide the name and contact details of your employer. If you’re retired or self-employed, provide the name and contact details of your accountant.
After applying for your credit card
Card Services reviews your MyCard MasterCard application, and if it requires any additional information a Card Services representative will contact you. You can expect Card Services to make an employment and income verification call to your employer as part of the application process. If you’re new to Firefighters Credit Union you’ll have to apply for membership, and part of the process requires that you go through a legally mandated identity check.
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 soon might I get my Firefighters Credit Union credit card?
It can take up to three weeks for Card Services to process your application and mail your MasterCard to you.
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.
Can I apply for an increase in my card’s limit?
Yes, but you have to meet certain credit criteria for a successful application.
When should I apply for a balance transfer?
You can provide relevant details through your initial MasterCard application, and you can also do so when Card Services contacts you to inform you about your card’s conditional approval.
Can I get an additional card for someone I know?
You can get up to four free additional cards linked to your primary card. If you have a platinum card, additional cardholders also earn reward points. Additional cardholders should be at least 16 years old and meet identity verification requirements.
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.