Mastercard® Debit Card

Mastercard® Debit Card

With a First Credit Union Mastercard® Debit Card you can buy online, over the phone or anywhere Mastercard is accepted while using your own money to pay.


Features At A Glance

  • Contactless payments
  • Use it anywhere Mastercard® is accepted
  • Use it online, over the phone and overseas
  • Use your own money from your chosen account


A Faster Way To Pay!

MasterCard Contactless technology lets you make everyday purchases quickly and safely with just a tap of your contactless-enabled MasterCard® Debit card wherever you see the universal contactless or PayWave symbol. So checkout is easier than ever, and it's faster than fumbling with cash. We’ll ask you to insert your PIN for transaction amounts of $200 or more just to add that extra layer of security for you.

How To Apply

To apply for your First Credit Union Debit Mastercard® visit your local branch or give us a call.

Have a question? Check out our FAQ section to see if we've answered it.



At First Credit Union it’s our job to keep you safer while you’re shopping online, and to make sure the only person making purchases with your debit card is you.

We have introduced a quick and easy extra layer of security called Mastercard® ID Check. Mastercard® ID Check helps us make sure it’s definitely you (and not someone pretending to be you with your card) online.

Learn more 

Check out the important stuff
  • Fees and charges
    Mastercard® Debit Card Fee (every 6 months) $5
    New or replacement Card* $15

    *Members receive their first Mastercard® Debit Card free of charge. 

    Fees, service charges and overseas transaction charges apply. For details of fees applicable to your account please see our Rates and Fees.

  • Lost or stolen cards

    If you have lost or your card has been stolen please notify us immediately by contacting the Call Centre or visiting your nearest branch.

    If this occurs outside of normal business hours you can notify us on 0800 462 347, or if you are outside New Zealand call +64 9 212 5080.

  • Important information

    Full Debit Mastercard terms & conditions apply and are available from your local branch. Fees, service charges and overseas transaction charges apply. For details of fees applicable to your account please see our Rates and Fees.

    Mastercard and the Mastercard brand mark are registered trademarks of Mastercard International Incorporate.

  • Pending Transactions

    If you have checked your First Credit Union accounts via Internet or Mobile Banking you may notice that some of your recent transactions have Pending next to them.

    When you make a transaction/ payment using your First Credit Union Mastercard Debit Card the funds come out of your account immediately, however, if they have 'pending' next to them there are a few reasons why this may happen:

    • Authorisations
    • Pre-authorisations
    • Verifications

    For more information about these transactions check out our FAQs.