Flexigroup Credit Cards

Updated 3 August 2020

With a presence in Australia, New Zealand and Ireland, FlexiGroup is a financial services provider that offers a range of finance products and payment solutions to consumers and businesses via a network of retail and business partners. Within its range is the Skye Mastercard, a card that provides a selection of interest-free options, backed by advanced security and support.

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Skye Mastercard

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Who are FlexiGroup?

While you may not have come across FlexiGroup before, it is a company with an established presence both in Australia and overseas. Listed among the top 200 ASX-listed companies, FlexiGroup is a financial services provider that focuses on providing innovative finance products, such as interest-free cards and no-interest-ever payment plans.

Who is FlexiGroup?

FlexiGroup works with more than 14,000 partners across Australia, including Harvey Norman, IKEA, AGL Solar, Escape Travel, Apple Resellers and Fantastic Furniture.

FlexiGroup Credit Cards

Providing an alternative to the big four, FlexiGroup offers a range of enticing features within the Skye Mastercard. A great option for cardholders looking for ways to save on interest, Skye Mastercard provides three distinct interest-free options, with 90 days interest-free on purchases, and longer term options in its SkyePlans and Long Term Interest Free plans.

Rebranding Lombard, Skye Mastercard was launched in 2018, putting a fresh face on the company’s credit card offering. It is designed to help cardholders ‘breathe easier’ by helping them to save on interest, while providing innovative card security, in the form of Motion Code technology.

FlexiGroup Credit Card Features

In terms of features, Skye Mastercard keeps a definite focus on interest. This is a shopper’s credit card, designed to allow cardholders to save on interest with each and every purchase. Unlike cards with 0% purchase offers, which allow for interest savings during an introductory period only, Skye Mastercard can offer a way cardholders can continue to save on interest in the longer term.

90 Days Interest Free

Many credit cards offer interest free periods, usually ranging from 44 days to 55 days. The length of this interest free period will vary depending on the date on which the purchase is made, and how far through the statement period it is. This interest free period is often only available to cardholders who clear their balance month-to-month by the due date.

Designed to offer extended savings on interest, Skye Mastercard provides 90 days interest free on every card purchase. Of course, this doesn’t include cash advances. However, it can give cardholders a decent amount of time to pay off each purchase before it starts accruing interest. If there is a balance remaining after 90 days, it will attract the card’s standard purchase rate.


Cardholders looking for a longer period to pay off their purchases interest-free can choose to set up a SkyePlan. SkyePlans can be created on any purchase of $250 or more made on the card, giving cardholders 9, 12 or 15 months interest-free on that purchase.

After setting up a SkyePlan, cardholders will then pay 9, 12 or 15 fixed equal monthly repayments to pay off the purchase in full. If a payment is missed, any outstanding amount will attract the card’s standard purchase rate. There is an establishment fee of 3% of the purchase cost for a 9 month plan, 4% for a 12 month plan, or 5% for a 15 month plan.

However, FlexiGroup do make it nice and easy to set up a SkyePlan. All you need to do is access your account via Skye Self Service within 30 days of making your purchase. All purchases over $250 have ‘Convert to SkyePlan’ next to the transaction. Simply click this, and choose your plan.

Long Term Interest Free

Another option designed to offer interest-free savings over the longer term is Skye Mastercard’s Long Term Interest Free plan. A handy option for more expensive big ticket items, this allows you to purchase items at Skye partner retailers, to then enjoy interest-free terms ranging from 6 to 60 months.

In terms of repayment options, you can set up equal monthly repayments to pay off the purchase within the interest-free period, or you can choose to make minimum monthly repayments plus extra repayments at any time. Interest is only applied to any balance remaining at the end of the interest-free term.

Regardless of the repayment option you choose, you can repay extra at any time, and you can pay off the total amount at any time with no penalty. Application is easy too. You can apply instore, or you apply online before you head to the shops.

No Foreign Transaction Fees

With its Skye Mastercard, FlexiGroup provides cardholders the opportunity to save on fees, with no international transaction fees on purchases made overseas or online at international retailers.

Some credit cards charge up to 4% of the transaction amount on each foreign currency transaction. So, Skye Mastercard has the potential to save cardholders a significant amount of money, especially if they travel overseas on a regular basis, or shop online at overseas merchants.


One thing many cardholders worry about is security. This is one reason why so many Aussies opt for the big banks, as they believe they offer more security. However, just because FlexiGroup is not one of the big banks, does not mean its cards are any less secure.

Skye Mastercard offers all the security features offered on any other provider’s branded Mastercard. These include Mastercard SecureCode and Mastercard Zero Liability. On top of that, cardholders have access to Mastercard Global Service, which offers 24/7 assistance for lost or stolen cards, emergency card replacement and emergency cash advance.

But, Skye Mastercard goes one step further. As the first card in Australia to offer Motion Code technology, Skye Mastercard steps up security, creating an ever-changing 3-digit security code (CVV) to replace the static code usually printed on the back of the card.

That CVV is one of the security features used to prevent card fraud, but, once it ends up in the wrong hands, there is nothing to stop it from being used again and again. However, with a mini-screen on the back of the card, Skye Mastercard refreshes the CVV every hour to a new random code. As dynamic data, it becomes rapidly unusable.


Another reason cardholders choose big banks is for the service and support on offer. They know they can rely on that support should they need it. However, Skye Mastercard cardholders not only benefit from Mastercard support, they can also benefit from 24/7 account access via Skye Self Service.

Making it easy to track card use and keep on top of repayments, Skye Self Service provides full online access where cardholders can create SkyePlans, make extra payments and see what’s going in and out of their account.

Why should you choose Skye Mastercard? With a great range of features, Skye Mastercard could be the perfect choice for you. Let’s take a look at what it could offer.

  • You can save on interest

Offering a range of flexible interest-free options offered over the long term and the short term, Skye Mastercard could help you save big on interest on your purchases.

  • You can enjoy the benefit in the long term

When you apply for a card simply for its 0% purchase offer, you only have access to interest-free shopping for that limited introductory period. With Skye Mastercard, you can benefit from interest-free savings on all your purchases, with three flexible options to choose from.

  • You can save on foreign transaction fees

Foreign transaction fees can really stack up when you’re overseas or shopping online. With Skye Mastercard, you will pay no foreign transaction fees, helping you save while travelling, and when shopping online at international retailers.

  • You can enjoy peace of mind

While it may not have one of the big banks’ brands on the front, Skye Mastercard is backed by Mastercard security features as standard, while also offering additional protection in the form of Motion Code technology.

Obviously, there is no such thing as the perfect credit card. It’s up to each cardholder to compare the features on offer, to then decide which card would work best for them. So, with that in mind, let’s take a look at some points to be aware of when assessing Skye Mastercard.

  • High Standard Interest

If you don’t repay your purchase before the interest-free period ends, it will attract the card’s high purchase rate. If you take advantage of a promotional interest rate and fail to repay your purchase within the promotional period, it will attract an even higher ‘expired promotional rate’.

  • Organisational Skills Required

As the focus on Skye Mastercard is interest-free shopping, it’s best to make sure all purchases are paid off before the interest-free period ends. That means being organised enough to track payments to know when they need to be paid off, to then be able to stick to a workable repayment plan.

  • No Rewards

Skye Mastercard is not a rewards card, so cardholders cannot earn rewards on their spending. However, many cardholders will enjoy the benefits of saving on interest, which could more than make up for the lack of rewards.

Recently Asked Questions

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14 questions (showing the latest 10 Q&As)



27 August 2020
I’ve spoken to the “apparent” customer service team. You issued a $12,000 credit card without my authority to someone else using my name without any supporting documents. This has resulted in a default against my credit report. You have no team members available to discuss re: fraud. No call backs or returned emails!! Complete SCAM Who is held responsible?!
    Roland B Bleyer - CreditCard.com.au Founder


    28 August 2020
    Hi Emily, if you like, I would suggest you contact the https://www.afca.org.au/. They provide consumers and small businesses with fair, free and independent dispute resolution for financial complaints.
Tracy Bilsborrow

Tracy Bilsborrow

24 June 2020
I just seen an email from credit simple and says your company has been adding information to my credit score, meaning if I have or have not been making payments to you.. I don’t even know who you are!!!! I’ve never had a credit card in my life! What am I meant to do about this?
    Roland B Bleyer - CreditCard.com.au Founder


    24 June 2020
    Hi Tracy, we are a credit card comparison site, not Flexigroup themselves. It sounds like you could be the victim of identity fraud. I am not sure what Flexigroup card. Though I suggest you contact them ASAP to try and resolve the issue. Here are some contact information https://www.flexigroup.com.au/contact-us.


10 June 2020
My broker did a credit check on my name, the credit check report shows that i have a credit card with your company with a limit of $15000 that i am not aware of please i need to investigate the matter further. thanks
Bishoy Attia

Bishoy Attia

9 June 2020
How much is my owing balance
Roland Descallar

Roland Descallar

3 June 2020
Hi! Last year we purchased a vacuum brand name Rainbow. The company who sold this item asking us to use Skye credit card however we refused. To make story short we purchased the item with our own pocket money. My question is could you provide us Skye credit card closure statement because we need it for our home loan. It appears Skye credit card to my home loan lending institution.Pls provide us ASAP.


24 April 2020
How can I email document for fraud credit complain
    Roland B Bleyer - CreditCard.com.au Founder


    27 April 2020
    Hi Ayman, checking their site - Step 1: Contact our Customer Service Centre on Telephone: 1300 858 608 or Online: Lodge a complaint. Post: Locked Bag 5005, Royal Exchange, Sydney NSW 1225 You can also raise your matter directly with: Once Credit 136 623, Lombard Finance 1300 132 301, Flexirent 1800 240 102


16 April 2020
can I please have closure statement of my card. I have never activated or used
    Roland B Bleyer - CreditCard.com.au Founder


    17 April 2020
    Hi Amit, you will need to reach out to Flexigroup directly. We are a credit card comparison service.
Shelby McMorran

Shelby McMorran

14 April 2020
Hi, I’m wanting to cancel my skye MasterCard as I’m not going overseas anymore and they’ve informed me to contact you? How do I go about this?


25 March 2020
How to I apply for hardship. Unable to pay account. unemployed


10 March 2020
Can I use my card for interest free at Harvey Norman?


2 March 2020
Account number: xxxxx Provider:Flexigroup Cards Account type:Credit Card Account type detail:Credit Card Open date:14 December 2016
    Roland B Bleyer - CreditCard.com.au Founder


    3 March 2020
    Hi Naga, I am not sure what you mean by providing this. You will need to reach out to Flexigroup directly in regards to any queries you have on your card or finance. This may have related to an in-store purchase.
Chris Ba-nowitzch

Chris Ba-nowitzch

5 February 2020
Hi there, Is it true that Skye master a finalist in the prestigious contest for Best Credit Card Provider for 2020?
    Roland B Bleyer - CreditCard.com.au Founder


    7 February 2020
    Hi Chris, I have never heard about this prior to your message. We have a heap of people on the site complaining about the service with this card. Some of the features are innovative which is great. Though with near the highest interest rate in the market. You need to make sure you pay it off in full each month to avoid these payments.


26 August 2019
On my credit file it says i have a default payment with you but i have never had a card from you
    Roland B Bleyer - CreditCard.com.au Founder


    27 August 2019
    Hi Neale, it can be quite common that errors can appear on your credit file. I would reach out to Flexigroup customer service for more details. They are focused on in-store credit. Therefore it may relate to a purchase you made at a retailer. Otherwise it is an error and needs to be removed.
Danielle rodziewicz

Danielle rodziewicz

19 August 2019
Hi there, on my credit file it says I have a credit account with you, can I ask what I purchased and what amount is remaining please?
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