Skip to main content



General terms

Who can apply for a Skye Mastercard?

Anyone can apply for a Skye Mastercard® as long as they are;

  • 18+ years old
  • Earn $25,000+ p.a.
  • An Australian citizen or permanent resident of Australia
  • Clear credit file

What is an Interest Free Term?

It is a period of time in which you do not have to pay any interest on your Skye purchase. Interest is payable on any balance outstanding after the Interest Free Term at the Expired Promotional Rate applicable to your Skye account.

What is a deferred payment?

Where a deferred payment period applies, you are not required to make repayments until the end of the deferred payment period. Repayments are only included in the calculation of the Minimum Monthly Payment after the deferred payment period expires.


Using your Skye Mastercard

How do I activate my Skye Mastercard?

Log in to Skye Self Service and activate your Skye Mastercard online. Alternatively, simply call 1300 115 533.

Can I make additional purchases on my Skye account?

Yes. The next time you wish to shop and take advantage of an Interest Free offer at participating Skye retailers, simply have your Customer ID handy, and present this to the sales consultant. The store will process an additional purchase for you. For all other purchases at non-Skye retailers, simply use your Skye Mastercard to make your purchase to take advantage of 90 days Interest Free and no repayments on every Skye purchase.

Can I change my PIN?

Yes. You can change your PIN through Skye Self Service or by calling 1300 115 533

What’s the maximum credit limit?

You can apply for a credit limit up to $50,000. Your eligibility for credit is subject to our lending criteria and a credit assessment.

How do I increase my credit limit?

Call 1300 115 533 and our Customer Service team will assist you with a credit limit increase application, subject to our eligibility criteria.

Can I make cash withdrawals on my Skye Mastercard?

Yes. You can use your Skye Mastercard to withdraw cash from your Skye account at any ATM. Cash withdrawals do not qualify for the 90 days Interest Free and no repayments or for any other Interest Free promotional period. Cash withdrawals attract interest at the Cash Advance Rate from the date of the transaction plus any cash advance fees.

What are the daily cash withdrawal limits?

The daily cash withdrawal limit is $1000 cash per day.

Do cash withdrawals affect my Interest Free transactions?

No. Cash withdrawals will not affect any Interest Free Term or promotional purchase you may have made on your Skye account.

Can I access my Skye account online?

Yes – through Skye Self Service. If you haven’t already registered for Skye Self Service, and you’d like to, visit and click ‘Login’ to register.

What do I do if my Skye Mastercard is lost or stolen?

Please call us on 1300 115 533 (or +61 2 8905 2904 from overseas) immediately or report it as lost or stolen through Skye Self Service.

Your Skye Mastercard has no foreign transaction fees for purchases made in a foreign currency - both online and overseas.



How can I make repayments?

Make monthly repayments by direct debit from your nominated bank account, via BPAY or through the ‘Pay My Account’ feature in Skye Self Service.

When are the repayments due?

The minimum payment for each statement period that you must pay is the greater of:

  • 3.00% of the Eligible Unpaid Balance at the date of the statement; or
  • $30.00. However, if the Eligible Unpaid Balance is less than $30.00, you must pay that amount in full.

You must also pay:

  • overdue repayments plus the amount (if any) by which the Unpaid Balance exceeds your credit limit; and scheduled Instalment Repayments (if any) you have agreed with us at the times agreed with us.

How do I know when a payment is due?

An email notice that your statement is available in Skye Self Service will be sent to you two weeks before your minimum monthly payment is due.

You can elect to receive paper statements but please note that there is a $2.50 paper statement fee that is charged for each paper statement we provide you.

What do I do if I can’t make a repayment?

If you are having any concerns or difficulties in making your minimum monthly repayments or immediately paying any overdue amounts, please contact us immediately on 1300 115 533.

How do I cancel my Skye account?

After your Skye account is paid in full, you can request to close your Skye account by contacting us on 1300 115 533

Is there an early payout fee?

Customers who pay out their account before the Interest Free period do not incur an early payment fee. It's completely up to you if you want to pay the loan out sooner or later.

What are the BPAY payment details?

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.