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Purchase rate

23.99% p.a.

Balance transfer

N/A

Annual fee

$99 p.a.

Pros

90 days interest free on every card purchase (excluding cash advances)

Any purchases of $250 or more can be converted to a SkyePlan, giving you 9, 12 or 15 months interest free.

No foreign transaction fees

Cons

High standard interest

No rewards

11% of customers who have rated this card would recommend it
  • Rates
    29%
  • Fees
    33%
  • Rewards
    N/A
  • Customer Service
    20%
  • Value
    19%
Overall user rating 27%
64 reviews

72% Cang

You will be put on hold for 17 minutes saying she will look into it but just waiting time to pass by and not get back to you then only you will find out calling again that service is no longer available until next business hours. Unreliable and terrible lady on the line; date 6/4/19.

Does not recommend this card

0% Adrian

SKYE asked for us to provide them with access to our bank account so they can download all our account statements, when we advised we wont be doing thsst but are happy to provide them with pdf copies they were ok with that once we provided them with statements they then insisted on a stastement to the day of the email which was not possible. The assistant at the offshore call centre was rude and arrogant. We didnt need to have the loan as we had ample cash to pay the trip. We would have preferred the interest free period so allow our funds to accrue interest. Dont waste your time with this mob.

Does not recommend this card

Interest Rates
Purchase rate 23.99% p.a.
Cash advance rate 25.99% p.a.
Interest free on purchases up to 90 days
Balance Transfer
Credit limits
Minimum credit limit $1,000
Maximum credit limit $50,000
Fees & repayments
Annual fee $99 p.a.
Additional cardholder fee $10 p.a.
Cash advance fee 3%
Foreign transaction fee 0%
Late payment fee $35
Credit card type Mastercard
Complimentary insurance
Flight inconvenience insurance No
Transit accident insurance No
Smartphone screen insurance No
Purchase protection insurance No
Extended warranty insurance No
Rental Vehicle Excess In Australia Insurance No
Extras
90 days interest free on all card purchases
No foreign transaction fees for online and overseas purchases

Skye Mastercard

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au.

The Skye Mastercard

Offering all the convenience of a credit card, Skye Mastercard also provides a wide range of shopper-friendly features. Cardholders can enjoy no international transaction fees, Motion Code technology, 90 days interest free on purchases, interest free shopping via SkyePlans on purchases over $250, and Long Term Interest Free plans on purchases at Skye Retailer Partners.

What we love...

First things first. Who or what is Skye? We don’t blame you for asking. Skye is pretty new to the scene. In fact, Skye Mastercard was launched in 2018 by Flexigroup, putting a new face on Lombard and Once brands. But, just because it’s new – and not offered by one of the big banks – doesn’t mean it hasn’t got plenty to offer.

With a wide range of interest free options, Skye Mastercard is designed to be a shopper’s credit card. If used wisely, it can allow cardholders to enjoy interest-free shopping on everything from their day-to-purchases to big ticket items such as holidays and electronics. It does this in three specific ways.

First off, Skye Mastercard provides 90 days interest free on every card purchase (excluding cash advances). This gives cardholders around three months to pay back their purchases, with no interest to pay. If there is any balance remaining after that 90 day period, it will attract the card’s standard purchase rate.

Alternatively, for larger purchases, there is the option to create a SkyePlan. Any purchases of $250 or more can be converted to a SkyePlan, giving you 9, 12 or 15 months interest free. To do this, simply access your account online via Skye Self Service within 30 days of making your purchase, choose ‘Convert to SkyePlan’ next to the transaction, and choose your plan.

You will pay an establishment fee to access this feature, paying 3% of the purchase cost for a 9 month plan, 4% for a 12 month plan, or 5% for a 15 month plan. You will then pay 9, 12 or 15 fixed equal monthly repayments to pay off the purchase. If you miss a payment, any outstanding amount will attract the card’s standard purchase rate.

Last on the list is the Long Term Interest Free plan, which allows you to purchase items at Skye partner retailers and enjoy interest free terms ranging from 6 to 60 months. With this option, you can choose to make minimum monthly repayments plus extra repayments at any time, or you can set up equal monthly repayments to pay off the purchase within the interest free period.

With either option, you can repay extra at any time, and you can pay off the total amount at any time with no penalty. Interest is only applied to any balance remaining at the end of the interest free term. And how do you apply? You can apply instore, or before you go shopping, at home online.

What’s not so great...

One of the main things to be aware of with the Skye Mastercard is interest. While it may offer a number of options for interest free shopping, cardholders should ensure they repay their purchase before the interest free period expires. With a high standard purchase rate, any balance left unpaid will rack up interest quickly.

Cash advances are also best avoided. Skye Mastercard has an even higher cash advance rate, with interest accruing on cash advances from day one.

Why should you choose this card?

If you want a number of interest free options at your fingertips, Skye Mastercard could be an excellent choice for you. However, it would best suit someone who is organised with their finances. Someone who is able to stick to a repayment plan, to pay off each purchase before it starts accruing interest.

Aside from its interest free purchase options, Skye Mastercard also offers a selection of other features. In terms of card security, it provides all the standard Mastercard security features. On top of this though, it has Motion Code technology. So, instead of having a static 3-digit security code (CVV) printed on the back of the card, its code is always changing.

With a mini-screen on the back of the card, it refreshes the CVV every hour to a new random code. When you provide that code as part of a purchase, the code will be verified by the card provider. But, if the code ends up in the hands of those who shouldn’t have it, as dynamic data, it becomes rapidly unusable.

In addition, Skye Mastercard offers no international transaction fees on purchases made overseas or online at international retailers. Cardholders can also benefit from 24/7 account access via Skye Self Service, backed by worldwide 24/7 hour assistance with Mastercard Global Service for lost or stolen cards, emergency card replacement and emergency cash advance.

Overall Rating

Providing a selection of interest free features, Skye Mastercard can help to save on interest, while offering extras such as no international transaction fees and Motion Code technology.

59 questions (showing the latest 10 Q&As)

Joe

Joe

8 October 2019
Is there any other hidden fees apart from the annual fee? I read about Bpay fees?
Kristina

Kristina

8 October 2019
I was wanting to do a balance transfer from my skye card. Does skye accept balance transfer or do I have to pay it off myself
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    8 October 2019
    Hi Kristina, Skye itself does not have a balance transfer offer. Though you should be able to sign up for a non-Flexigroup balance transfer credit card. Then transfer your Skye Mastercard to the offer. HSBC have a good offer right now with 0% for 22 months.
Megs

Megs

28 September 2019
I purchased a holiday on 28th August on 12 months interest free. I repaid $400 on 22nd September and was issued my first statement on 27th September with a minimum repayment required of $120 dollars by the 12th October. My question is does my $400 already paid cover the $120 required by12th October or do I need to make another payment?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    30 September 2019
    Hi Megs, if they are asking for a minimum payment. Then it sounds like you still will need to make it. So you turned your holiday purchase into a 12 month Skye Plan? Have you made any other purchases? Even when its interest free you still need to make the required payments.
Re

Re

26 September 2019
Hi I have paid off my loan amount in 3 months of opening a Skye account. I want to close the account now. Will I still be charged the annual $99 fee? My account seems to include the $99.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    27 September 2019
    Hi Re, the annual fee is typically charged soon after card activation. Therefore you would have already been hit for the 1st year. After your Skye credit card is paid in full, you can request to close your Skye account by calling 1300 115 533.
Ashvin

Ashvin

21 September 2019
Is this Skye the same as the Nigerian company skye, I am concerned about identity theft fraud and various other things since they have been asking for bank records nab never has Suncorp never has, it’s a new bank and if it’s related to Nigeria it’s a little sketchy seeming that a lot of scams happen there, no offence or anything I just want to be sure nothing bad will happen
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    23 September 2019
    Hi Ashvin, I don't believe they are related. Skye provided by FlexiCards Australia Pty Ltd, ABN 31 099 651 877 Australian Credit Licence number 247415. Skye is a trademark of FlexiCards Australia Pty Ltd, subsidiary of FlexiGroup Limited. FlexiGroup is an Australian public company.
Wayne

Wayne

18 September 2019
Hi Roland, How long will it take to receive my card once I have been approved? Is there a way to use to card details shown in the App to make a purchsse (while waiting for the card)?Thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    19 September 2019
    Hi Wayne, you should receive your card within 5 working days of approval. Though this varies based on volumes and other factors. I know that Skye Mastercard were swamped recently. Though hopefully they are through the backlog. I don't think Skye has a digital version of the card. If they did you could load this into your smartphone. I don't think their card is compatible with Apple Pay etc as yet.
trish

trish

4 September 2019
How can I cancel my skyecard?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    5 September 2019
    Hi Trish, I found this page on the Skye Mastercard website - https://www.skyecard.com.au/close-account. In order to close your account and terminate your contract, you must do the following: Ensure the balance on your card is zero, or you have a credit balance. If you still have an amount owing and require a payout figure then you can contact us on 1300 115 533. Ensure there are no pending transactions on your account that are not yet showing in your transaction list. Securely destroy your card and those of any additional cardholders. Once these conditions are met, complete and submit the form on the page I have provided.
Lisa

Lisa

31 August 2019
Hi when will I receive my card how can I make payments until I receive my card
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    2 September 2019
    Hi Lisa, you should not need to make a payment before you receive your card. You will have an interest free period on the annual fee and any purchases you would make in the first week or so. I would use BPAY. BPAY payments can be made through your financial institution to repay your Skye account. To make a payment via BPAY you will need the following information; Skye Mastercard BPAY Biller Code: 287714. Reference Number: You can find your unique Reference Number in the ‘Payments’ section in your Skye Self Service account or on the second page of your statement.
Steve

Steve

30 August 2019
Hi Roland If I make a payment to DEFT with my card, will that be calculated as a cash advance?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    30 August 2019
    Hi Steve, it should be a purchase. It will depend how the DEFT merchant is setup. I would reach out to the company you are looking to pay with DEFT and see how they handle it. The payment methods available are determined by the DEFT reference number and depend on what your biller accepts – for example some billers don’t accept payments from a bank account or from some card types. After you’ve entered the DEFT reference number, enter your preferred payment method and you’ll be prompted if that method is not available.
Sharon

Sharon

24 August 2019
Customer verification sent me email asking where my pay goes and sent me link to verify my pay but when I look at it I have to put my bank customer details and password. Concern for this and they said they will not reinstate my Skye Mastercard if I don’t do this.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    26 August 2019
    Hi Sharon, I hear you. Many are concerned with providing these details for approval. Though they certainly must only use them to see your transaction history for the last 2 years. So that they can verify income. Issue like you say. If you don't provide then they will not make the card active. You could cancel it and go to another provider or do what they ask.
Hayley

Hayley

20 August 2019
So I purchase a holiday with Skye on 12 months interest free and then needed to use my skye card for emergency. When I get paid I intend to pay the amount of the every day purchase back. When making repayment do I get to chose which transaction the money is paid for? or will it be paid against the holiday that I have 12 months to pay. As I would prefer to pay the everyday purchase off first.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    21 August 2019
    Hi Hayley, any payment would go off the highest interest bearing amount first. With the fixed payment plan though you are committing to certain minimum payments on that side. When you hold a balance, such as a SkyePlan you will get no interest free days on new purchases. This will mean that any purchases you make on your Skye Mastercard will be at the very high purchase rate from day 1. What I suggest is that you get a second credit card. One that you pay off in full each month. Use this card for the extra purchases. Then just have the Skye Mastercard to pay off the holiday on the plan.
Aly

Aly

18 August 2019
I want to buy a digital product online. Can I use my card to make $2500 purchase on interest free. What it the term?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    19 August 2019
    Hi Aly, If it's $250 or more it's eligible for conversion to a SkyePlan. Login to Skye Self Service within 30 days of making your eligible purchase and convert your purchase to your chosen SkyePlan. The selected Interest Free instalment amount will then be debited to your account each month over the selected term. You can go up to 15 months at a 5% fee for doing so.
Cherie

Cherie

12 August 2019
Online it says the 99.00 annual fee is wavered for a new card holders first year but i have been chrged the 99.00 on my first statement. Why?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    13 August 2019
    Hi Cherie, looks like they have recently removed this incentive to sign up. Checking on the Skye Mastercard site. Annual Fee $99. Charged at the time the first debit is charged to your Skye Account and annually on the anniversary of that day.
Arielle

Arielle

12 August 2019
I have a bill to pay. How do i use my CC? and then add it to a payment plan thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    13 August 2019
    Hi Arielle, Make your purchase using your Skye Mastercard. If it's $250 or more it's eligible for conversion to a SkyePlan. Login to Skye Self Service within 30 days of making your eligible purchase and convert your purchase to your chosen SkyePlan. The selected Interest Free installment amount will then be debited to your account each month over the selected term.
Elena

Elena

11 August 2019
How do i apply!
ROWENA CAMAGAY

ROWENA CAMAGAY

5 August 2019
i want to look at my account skye mastercard
Pat

Pat

31 July 2019
why does the criteria not state that you must be an employee or self employed with an income in excess of $25000
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    1 August 2019
    Hi Pat, we do have on our page that the minimum income is $25,000 a year for this card. Also I just checked the Skye Mastercard website. They clearer state when you click the apply button who can apply. 18+ years old, Earn $25,000+ pa, Permanent Australian resident and a Clear credit file. Information needed: Email address, Mobile phone, Australian driver's licence or Australian passport (mandatory) and Medicare card (optional).
Tobes

Tobes

29 July 2019
Hi - wondering, if I use my Skye card to pay a bill on bpay, is that counted as a 90 day interest free purchase or a cash advance?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    29 July 2019
    Hi Tobes, it should be a purchase and thus have 90 days interest free. Though it will depend on how the bpay is handled. Reach out to the bpay company you are making a payment 2. Check to see if they consider a bpay from credit card a purchase or cash advance. Most are a purchase but some companies make any credit card bpay a cash advance.
Babs

Babs

27 July 2019
Can you buy an online ticket with skye mastercard for interest free period of 9 months
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    29 July 2019
    Hi Babs, SkyePlans can be used for any purchase over $250. They do charge an establishment fee which effectively some interest. Review the plans here - https://www.skyecard.com.au/skyeplans

Skye Mastercard

The Skye Mastercard gives you 90 days Interest Free and no repayments on every card purchase^, no foreign transaction fees for online and overseas purchases, and more. $99 annual fee. ^Any outstanding balance after the 90 day Interest Free and no repayment period reverts to the standard Card Purchase Rate.

Key features

  • No foreign transaction fees for online and overseas purchases
  • 90 interest free days on Card Purchases and BPAY Payments
  • Allows you to convert purchases of $250 or more to your choice of 3 Interest Free Instalment Plans.
  • $99 annual fee and $10 p.a. for additional cardholders
  • 23.99% p.a. on purchases and 25.99% p.a. on cash advance rate
  • Be over 18 years old
  • Good credit and not applied for multiple credit cards recently
  • Resident or citizen of Australia
  • Minimum income of $25,000 p.a.
  • You have your personal details ready to complete the online application
Skye Mastercard
Skye Mastercard

Skye Mastercard

Updated 13 August 2019

Purchase Rate (p.a)

23.99%

Balance Transfer (p.a)

N/A  

Annual Fee (p.a)

$99

$0

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • 90 days interest free on every card purchase (excluding cash advances)
  • Any purchases of $250 or more can be converted to a SkyePlan, giving you 9, 12 or 15 months interest free.
  • No foreign transaction fees

  • High standard interest
  • No rewards

Creditcard.com.au review

Editor Review

Skye Mastercard

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. about this card.

The Skye Mastercard

Offering all the convenience of a credit card, Skye Mastercard also provides a wide range of shopper-friendly features. Cardholders can enjoy no international transaction fees, Motion Code technology, 90 days interest free on purchases, interest free shopping via SkyePlans on purchases over $250, and Long Term Interest Free plans on purchases at Skye Retailer Partners.

What we love...

First things first. Who or what is Skye? We don’t blame you for asking. Skye is pretty new to the scene. In fact, Skye Mastercard was launched in 2018 by Flexigroup, putting a new face on Lombard and Once brands. But, just because it’s new – and not offered by one of the big banks – doesn’t mean it hasn’t got plenty to offer.

With a wide range of interest free options, Skye Mastercard is designed to be a shopper’s credit card. If used wisely, it can allow cardholders to enjoy interest-free shopping on everything from their day-to-purchases to big ticket items such as holidays and electronics. It does this in three specific ways.

First off, Skye Mastercard provides 90 days interest free on every card purchase (excluding cash advances). This gives cardholders around three months to pay back their purchases, with no interest to pay. If there is any balance remaining after that 90 day period, it will attract the card’s standard purchase rate.

Alternatively, for larger purchases, there is the option to create a SkyePlan. Any purchases of $250 or more can be converted to a SkyePlan, giving you 9, 12 or 15 months interest free. To do this, simply access your account online via Skye Self Service within 30 days of making your purchase, choose ‘Convert to SkyePlan’ next to the transaction, and choose your plan.

You will pay an establishment fee to access this feature, paying 3% of the purchase cost for a 9 month plan, 4% for a 12 month plan, or 5% for a 15 month plan. You will then pay 9, 12 or 15 fixed equal monthly repayments to pay off the purchase. If you miss a payment, any outstanding amount will attract the card’s standard purchase rate.

Last on the list is the Long Term Interest Free plan, which allows you to purchase items at Skye partner retailers and enjoy interest free terms ranging from 6 to 60 months. With this option, you can choose to make minimum monthly repayments plus extra repayments at any time, or you can set up equal monthly repayments to pay off the purchase within the interest free period.

With either option, you can repay extra at any time, and you can pay off the total amount at any time with no penalty. Interest is only applied to any balance remaining at the end of the interest free term. And how do you apply? You can apply instore, or before you go shopping, at home online.

What’s not so great...

One of the main things to be aware of with the Skye Mastercard is interest. While it may offer a number of options for interest free shopping, cardholders should ensure they repay their purchase before the interest free period expires. With a high standard purchase rate, any balance left unpaid will rack up interest quickly.

Cash advances are also best avoided. Skye Mastercard has an even higher cash advance rate, with interest accruing on cash advances from day one.

Why should you choose this card?

If you want a number of interest free options at your fingertips, Skye Mastercard could be an excellent choice for you. However, it would best suit someone who is organised with their finances. Someone who is able to stick to a repayment plan, to pay off each purchase before it starts accruing interest.

Aside from its interest free purchase options, Skye Mastercard also offers a selection of other features. In terms of card security, it provides all the standard Mastercard security features. On top of this though, it has Motion Code technology. So, instead of having a static 3-digit security code (CVV) printed on the back of the card, its code is always changing.

With a mini-screen on the back of the card, it refreshes the CVV every hour to a new random code. When you provide that code as part of a purchase, the code will be verified by the card provider. But, if the code ends up in the hands of those who shouldn’t have it, as dynamic data, it becomes rapidly unusable.

In addition, Skye Mastercard offers no international transaction fees on purchases made overseas or online at international retailers. Cardholders can also benefit from 24/7 account access via Skye Self Service, backed by worldwide 24/7 hour assistance with Mastercard Global Service for lost or stolen cards, emergency card replacement and emergency cash advance.

Overall Rating

Providing a selection of interest free features, Skye Mastercard can help to save on interest, while offering extras such as no international transaction fees and Motion Code technology.

User reviews

Skye Mastercard ( based on 64 Creditcard.com.au user reviews )

27% rating based on 64 reviews

Rates
Fees
Rewards
Customer Service
Value
72%

Cang

6 April 2019

You will be put on hold for 17 minutes saying she will look into it but just waiting time to pass by and not get back to you then only you will find out calling again that service is no longer available until next business hours. Unreliable and terrible lady on the line; date 6/4/19.

Does not recommend this card
0%

Adrian

4 March 2019

SKYE asked for us to provide them with access to our bank account so they can download all our account statements, when we advised we wont be doing thsst but are happy to provide them with pdf copies they were ok with that once we provided them with statements they then insisted on a stastement to the day of the email which was not possible. The assistant at the offshore call centre was rude and arrogant. We didnt need to have the loan as we had ample cash to pay the trip. We would have preferred the interest free period so allow our funds to accrue interest. Dont waste your time with this mob.

Does not recommend this card

Rates and fees

Interest rates

Purchase rate 23.99% p.a.

Cash advance rate 25.99% p.a.

Interest free on purchases up to 90 days

Credit limits

Minimum credit limt $1,000

Maximum credit limit $50,000

Fees & repayments

Annual fee $99 p.a.

Additional card holder fee $10 p.a.

Foreign transaction fee 0%

Minimum repayment

Cash advance fee 3%

Late payment fee $35

Additional features

Complimentary insurance

International Travel Insurance No

Flight Inconvenience Insurance No

Transit Accident Insurance No

Smartphone Screen Insurance No

Purchase Protection Insurance No

Extended Warranty Insurance No

Rental Vehicle Excess In Australia Insurance No

Extras

90 days interest free on all card purchases

No foreign transaction fees for online and overseas purchases

Overview

Skye Mastercard

The Skye Mastercard gives you 90 days Interest Free and no repayments on every card purchase^, no foreign transaction fees for online and overseas purchases, and more. $99 annual fee. ^Any outstanding balance after the 90 day Interest Free and no repayment period reverts to the standard Card Purchase Rate.

Key features

  • No foreign transaction fees for online and overseas purchases
  • 90 interest free days on Card Purchases and BPAY Payments
  • Allows you to convert purchases of $250 or more to your choice of 3 Interest Free Instalment Plans.
  • $99 annual fee and $10 p.a. for additional cardholders
  • 23.99% p.a. on purchases and 25.99% p.a. on cash advance rate

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Resident or citizen of Australia

  • Minimum income of $25,000 p.a.

  • You have your personal details ready to complete the online application

Roland B Bleyer

Roland B Bleyer founded Creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

Recently Asked Questions

Something you need to know about this card? Ask a our credit card expert a question.

59 questions (showing the latest 10 Q&As)

Joe

Joe

8 October 2019
Is there any other hidden fees apart from the annual fee? I read about Bpay fees?
Kristina

Kristina

8 October 2019
I was wanting to do a balance transfer from my skye card. Does skye accept balance transfer or do I have to pay it off myself
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    8 October 2019
    Hi Kristina, Skye itself does not have a balance transfer offer. Though you should be able to sign up for a non-Flexigroup balance transfer credit card. Then transfer your Skye Mastercard to the offer. HSBC have a good offer right now with 0% for 22 months.
Megs

Megs

28 September 2019
I purchased a holiday on 28th August on 12 months interest free. I repaid $400 on 22nd September and was issued my first statement on 27th September with a minimum repayment required of $120 dollars by the 12th October. My question is does my $400 already paid cover the $120 required by12th October or do I need to make another payment?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    30 September 2019
    Hi Megs, if they are asking for a minimum payment. Then it sounds like you still will need to make it. So you turned your holiday purchase into a 12 month Skye Plan? Have you made any other purchases? Even when its interest free you still need to make the required payments.
Re

Re

26 September 2019
Hi I have paid off my loan amount in 3 months of opening a Skye account. I want to close the account now. Will I still be charged the annual $99 fee? My account seems to include the $99.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    27 September 2019
    Hi Re, the annual fee is typically charged soon after card activation. Therefore you would have already been hit for the 1st year. After your Skye credit card is paid in full, you can request to close your Skye account by calling 1300 115 533.
Ashvin

Ashvin

21 September 2019
Is this Skye the same as the Nigerian company skye, I am concerned about identity theft fraud and various other things since they have been asking for bank records nab never has Suncorp never has, it’s a new bank and if it’s related to Nigeria it’s a little sketchy seeming that a lot of scams happen there, no offence or anything I just want to be sure nothing bad will happen
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    23 September 2019
    Hi Ashvin, I don't believe they are related. Skye provided by FlexiCards Australia Pty Ltd, ABN 31 099 651 877 Australian Credit Licence number 247415. Skye is a trademark of FlexiCards Australia Pty Ltd, subsidiary of FlexiGroup Limited. FlexiGroup is an Australian public company.
Wayne

Wayne

18 September 2019
Hi Roland, How long will it take to receive my card once I have been approved? Is there a way to use to card details shown in the App to make a purchsse (while waiting for the card)?Thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    19 September 2019
    Hi Wayne, you should receive your card within 5 working days of approval. Though this varies based on volumes and other factors. I know that Skye Mastercard were swamped recently. Though hopefully they are through the backlog. I don't think Skye has a digital version of the card. If they did you could load this into your smartphone. I don't think their card is compatible with Apple Pay etc as yet.
trish

trish

4 September 2019
How can I cancel my skyecard?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    5 September 2019
    Hi Trish, I found this page on the Skye Mastercard website - https://www.skyecard.com.au/close-account. In order to close your account and terminate your contract, you must do the following: Ensure the balance on your card is zero, or you have a credit balance. If you still have an amount owing and require a payout figure then you can contact us on 1300 115 533. Ensure there are no pending transactions on your account that are not yet showing in your transaction list. Securely destroy your card and those of any additional cardholders. Once these conditions are met, complete and submit the form on the page I have provided.
Lisa

Lisa

31 August 2019
Hi when will I receive my card how can I make payments until I receive my card
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    2 September 2019
    Hi Lisa, you should not need to make a payment before you receive your card. You will have an interest free period on the annual fee and any purchases you would make in the first week or so. I would use BPAY. BPAY payments can be made through your financial institution to repay your Skye account. To make a payment via BPAY you will need the following information; Skye Mastercard BPAY Biller Code: 287714. Reference Number: You can find your unique Reference Number in the ‘Payments’ section in your Skye Self Service account or on the second page of your statement.
Steve

Steve

30 August 2019
Hi Roland If I make a payment to DEFT with my card, will that be calculated as a cash advance?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    30 August 2019
    Hi Steve, it should be a purchase. It will depend how the DEFT merchant is setup. I would reach out to the company you are looking to pay with DEFT and see how they handle it. The payment methods available are determined by the DEFT reference number and depend on what your biller accepts – for example some billers don’t accept payments from a bank account or from some card types. After you’ve entered the DEFT reference number, enter your preferred payment method and you’ll be prompted if that method is not available.
Sharon

Sharon

24 August 2019
Customer verification sent me email asking where my pay goes and sent me link to verify my pay but when I look at it I have to put my bank customer details and password. Concern for this and they said they will not reinstate my Skye Mastercard if I don’t do this.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    26 August 2019
    Hi Sharon, I hear you. Many are concerned with providing these details for approval. Though they certainly must only use them to see your transaction history for the last 2 years. So that they can verify income. Issue like you say. If you don't provide then they will not make the card active. You could cancel it and go to another provider or do what they ask.
Hayley

Hayley

20 August 2019
So I purchase a holiday with Skye on 12 months interest free and then needed to use my skye card for emergency. When I get paid I intend to pay the amount of the every day purchase back. When making repayment do I get to chose which transaction the money is paid for? or will it be paid against the holiday that I have 12 months to pay. As I would prefer to pay the everyday purchase off first.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    21 August 2019
    Hi Hayley, any payment would go off the highest interest bearing amount first. With the fixed payment plan though you are committing to certain minimum payments on that side. When you hold a balance, such as a SkyePlan you will get no interest free days on new purchases. This will mean that any purchases you make on your Skye Mastercard will be at the very high purchase rate from day 1. What I suggest is that you get a second credit card. One that you pay off in full each month. Use this card for the extra purchases. Then just have the Skye Mastercard to pay off the holiday on the plan.
Aly

Aly

18 August 2019
I want to buy a digital product online. Can I use my card to make $2500 purchase on interest free. What it the term?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    19 August 2019
    Hi Aly, If it's $250 or more it's eligible for conversion to a SkyePlan. Login to Skye Self Service within 30 days of making your eligible purchase and convert your purchase to your chosen SkyePlan. The selected Interest Free instalment amount will then be debited to your account each month over the selected term. You can go up to 15 months at a 5% fee for doing so.
Cherie

Cherie

12 August 2019
Online it says the 99.00 annual fee is wavered for a new card holders first year but i have been chrged the 99.00 on my first statement. Why?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    13 August 2019
    Hi Cherie, looks like they have recently removed this incentive to sign up. Checking on the Skye Mastercard site. Annual Fee $99. Charged at the time the first debit is charged to your Skye Account and annually on the anniversary of that day.
Arielle

Arielle

12 August 2019
I have a bill to pay. How do i use my CC? and then add it to a payment plan thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    13 August 2019
    Hi Arielle, Make your purchase using your Skye Mastercard. If it's $250 or more it's eligible for conversion to a SkyePlan. Login to Skye Self Service within 30 days of making your eligible purchase and convert your purchase to your chosen SkyePlan. The selected Interest Free installment amount will then be debited to your account each month over the selected term.
Elena

Elena

11 August 2019
How do i apply!
ROWENA CAMAGAY

ROWENA CAMAGAY

5 August 2019
i want to look at my account skye mastercard
Pat

Pat

31 July 2019
why does the criteria not state that you must be an employee or self employed with an income in excess of $25000
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    1 August 2019
    Hi Pat, we do have on our page that the minimum income is $25,000 a year for this card. Also I just checked the Skye Mastercard website. They clearer state when you click the apply button who can apply. 18+ years old, Earn $25,000+ pa, Permanent Australian resident and a Clear credit file. Information needed: Email address, Mobile phone, Australian driver's licence or Australian passport (mandatory) and Medicare card (optional).
Tobes

Tobes

29 July 2019
Hi - wondering, if I use my Skye card to pay a bill on bpay, is that counted as a 90 day interest free purchase or a cash advance?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    29 July 2019
    Hi Tobes, it should be a purchase and thus have 90 days interest free. Though it will depend on how the bpay is handled. Reach out to the bpay company you are making a payment 2. Check to see if they consider a bpay from credit card a purchase or cash advance. Most are a purchase but some companies make any credit card bpay a cash advance.
Babs

Babs

27 July 2019
Can you buy an online ticket with skye mastercard for interest free period of 9 months
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    29 July 2019
    Hi Babs, SkyePlans can be used for any purchase over $250. They do charge an establishment fee which effectively some interest. Review the plans here - https://www.skyecard.com.au/skyeplans

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