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Skye Mastercard
Skye Mastercard

Skye Mastercard

Updated 10 January 2020

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Balance Transfer (p.a)


Annual Fee (p.a)



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Pros and cons

  • No foreign transaction fees for online and overseas purchases
  • 90 interest free days on 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 advances
  • No rewards review

Editor Review

Skye Mastercard

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of 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 108 user reviews )

21% rating based on 108 reviews

Customer Service


2 April 2020

Congrats to Skye for without any notice reducing many customers limits during COVID-19. Very cruel. As for notice, none. Pathetic.

Does not recommend this card


5 March 2020

This card is ridiculous. To only have online access to statements and have to PAY to access any statement older than 6 months and even then the email could take 2 business days. A 40 minute phone call later still no statements. What a security flaw - how are you meant to check for suspicious activity on the card if you can’t access statements and transactions.

Does not recommend this card


24 February 2020

This company has the worst customer service I have ever come across. Also, they are not ethical in showing the pending payoff balance. The pending balance to pay off within my interest-free months is showing a much higher amount in the app. I have tried to call, long waiting hours with no reply. Then used their call back option & one customer service agent called & wasted 1 hour with no apparent solution. She kept on repeating the same thing like a robot which made absolutely no sense. If they keep their unethical behavior up will lodge a complaint against them for cheating customers. Do yourself a favor & don't fall for their 9 months interest-free BS. Not worth losing your peace of mind.

Does not recommend this card

Paul Blundell

19 February 2020

Do not use these people, they are so hard to get a hold of, i too spent hours on hold trying to talk to someone. They stopped my direct debit without telling me then call me when my interest free time is nearly up and told me i had 1000's owing still.. I would not recommend these people to anyone, run the other way if they recommend or try and sell your anything.

Does not recommend this card


12 February 2020

Had a card for about 6 months kept changing the due dates so it did correspond to our pay and they could charge penalties. After the second time decided to cancel the card due to this issue and the time to resolve the above issues. Still trying to cancel after nearly 3 hours on the phone waiting and sending emails in desperation for help. No callback as yet. Would recommend based on my experiences with this organisation.

Does not recommend this card


12 February 2020

can never get through to customer service, I have been on hold for an hour 3 days in a row and am still yet to speak to someone. when I had been able to get through to someone in the past they wont take payments over the phone and wont set up recurring direct debits for you. They also make it pretty much impossible to close your account as when you try to pay it off it always leaves 95 cents on and you cant get through to anyone to cancel it completely, seems like a scam.

Does not recommend this card


11 December 2019

I am a very very very unhappy customer I have been calling and emailing for a month now and no response. I have sent 3rd party authority form 2 times and you now have put my card on stop and I can't use the funds to book a flight for my in-law funeral on Friday. Your customer service team are so in professional and incompetent and keep asking for me to send you a certified copy of my licence. I have 15K credit on the account you approved me over a year ago for a fully ducted Aircon installation that was done last October 2018. All because my wife rang advising you that you have over charged us on the interest on this account and now the a account is on hold and can't be used. This is an absolute joke and I expect a response as to why emails are not read and you don't action things. No good telling your non speaking customer service team sorry you have to send your licence to us to the [email protected] email and you will get this matter resolved in 24-48 hours. Its been a month not sure what more can be done I guess social media and 2GB may be able to assist me in getting my account taken of hold as you think I may be a transgender imposter pretending to have an account and stole my own card. Lets see if I can get a response now from anyone in this company that has some common sense and intelligence.

Recommends this card


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


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 period 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


90 days interest free on all card purchases

No foreign transaction fees for online and overseas purchases


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 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.

90 questions (showing the latest 10 Q&As)

catherine aylen

catherine aylen

7 July 2020
can sky master credit card email you to obtain a copy of photo ID clear photo of myself holding my ID and a copy of my tax Assements documents??? As we are not not happy to do this for sercurity so they have blocked our card.
    Roland B Bleyer - Founder


    7 July 2020
    Hi Catherine, different providers request different security. I myself have been asked for this. Typically when I am overseas. They want to associate your face with the documents. If up to you. If you do not want to provide then cancel the card and look at another provider.
Nancy Labib

Nancy Labib

21 June 2020
I lost my job since the covid 19 start and I can't paid the month I need help
    Roland B Bleyer - Founder


    22 June 2020
    Hi Nancy, To apply for hardship, send us an enquiry using there website help form and one of the Skye team will be in contact. If you’d like to speak directly to one of Skyes customer service representatives, you can do so on our web chat, or by calling 1300 115 533.
jason kelly

jason kelly

7 June 2020
Who is the CEO of Lombard finance
    Roland B Bleyer - Founder


    9 June 2020
    Hi Jason, I am not sure of the CEO. The Lombard brand is now discontinued. If you are a remaining Lombard customer, please view the FAQs below for any queries related to your account.
Peter Wilson

Peter Wilson

6 June 2020
Hi Roland I currently have an active Skye Plan that is a 60 month term with approx. 57 months to run. This is an interest free plan and is working well todate. As part of the plan I have a SKYE Mastercard. My intent is not to use this as a credit card going forward. I am currently in the process of applying for a business loan through a bank, however, they have said as one of the conditions that I must clear the balance from the SKYE credit card which is actually the balance of the Skye Plan. I would like to ask if it is possible to cancel the mastercard and only have the sky plan active which does not allow me to obtain any or show any credit but just allows me to pay down the Skye plan.
    Roland B Bleyer - Founder


    9 June 2020
    Hi Peter, this is no go. You would need to keep the card open to keep the Skye Plan. Otherwise you would need to payout the plan in full before cancelling the account.


4 May 2020
Hi Roland, I am trying to balance transfer from my Skye MasterCard to a Citi Rewards Card offering 26 months interest free on balance transfers but when I go to complete the online form and one of the questions asks for the Balance transfer Origination name i can't seem to find one? Could they be operating under one I'm unaware of?
    Roland B Bleyer - Founder


    5 May 2020
    Hi Ethan, Skye is provided by FlexiCards Australia Pty Ltd. If you have a BPAY number then this should be able to assist. Typically Citi will accept bpay numbers. If you are still struggling then give Citi credit card customer service a call to see what you can do.


21 April 2020
Hi Roland, We have been determining to use our credit card for a smaller purchase, which we currently have an interest free balance on for 50 months. Extra purchases have a 90 day interest free period. I was wondering how they will determine if they consider the smaller purchase paid off if there is already a larger purchase already on the card technically?
    Roland B Bleyer - Founder


    22 April 2020
    Hi Michael, typically payments will go off the highest interest bearing amount. I would think that payment would go off the smaller (non-50 month interest free) purchase first. If it doesn't then you would need to pay off the 50 months first which would not make sense.
Brett Powles

Brett Powles

8 April 2020
Can this card be used to pay car registration Power bill Thanks
    Roland B Bleyer - Founder


    9 April 2020
    Hi Brett, yes, anywhere that Mastercard is accepted.
Andrew Repton

Andrew Repton

18 March 2020
How do I cancil my Skye card? Regards Andrew
J partlow

J partlow

10 March 2020
What security is available if credit card fraud occurs.
    Roland B Bleyer - Founder


    11 March 2020
    Hi J, Customers can opt in to receive a card with MOTION CODE™ technology – a dynamic card verification value (CVV) that automatically changes every hour. Instead of a static security code printed on the back of the card, the MOTION CODE™ CVV is displayed on a ‘mini-screen’. The security code automatically refreshes to a random security code every hour. This feature ensures safer online transactions: if compromised, this dynamic data becomes rapidly unusable. With all credit cards, you get fraud protection and monitoring. If any unauthorised transactions hit your account that you did not do. You will be able to charge back those transactions.
Zandeleen Scheepers

Zandeleen Scheepers

9 March 2020
Can we do balance transfers with our sky credit card?

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