FREEDOM TO CHOOSE

Why choose Skye

Want to buy what you like without the pressure of paying
immediately? Whether it’s a road trip or something to make life
more fun, get planning today with Skye Mastercard®.

FREEDOM TO CHOOSE

Why choose Skye

Want to buy what you like without the pressure of paying
immediately? Whether it’s a road trip or something to make life
more fun, get planning today with Skye Mastercard®.

Card features

90 days
breathing space

90 days Interest Free and no repayments on every card purchase1

No foreign
transaction fees

No foreign transaction fees for online and overseas purchases

SkyePlans

Convert card purchases of $250 or more to a 9, 12, or 15 month Interest Free Instalment Plan (SkyePlan) for a small establishment fee3

 
Explore Skye
Skye Card with Motion Code

Skye Mastercard
The first credit card
with MOTION CODE™ technology in Australia

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.

 
Skye Card with Motion Code
 

A mini-screen replaces the 3-digit security code (CVV) which refreshes every hour

 
 
 

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.

 
  
 
Skye Card with Motion Code

A mini-screen replaces the
3-digit security code (CVV)
which refreshes every hour

RATES + FEES

Things you
need to know

Here are some of the rates and fees that apply to the Skye Mastercard®.
 

 

RATES + FEES

  • Annual Fee

    AMOUNT

    $99

    DESCRIPTION

    Charged at the time the first debit is charged to your Skye Account and annually on the anniversary of that day.

  • Cash Advance Rate

    AMOUNT

    25.99% p.a.

    DESCRIPTION

    The Annual Percentage Rate that applies to outstanding Cash Advances from the date of the Cash Advance and dishonoured payments from the date of the dishonour.

  • Promotional Rate

    AMOUNT

    Available across individual campaigns

    DESCRIPTION

    If we agree that a Promotional Rate will apply to a Transaction for a specified period of time, that rate will apply for that time.

  • Expired Promotional Rate

    AMOUNT

    25.99% p.a.

    DESCRIPTION

    The Annual Percentage Rate that applies to outstanding balances that were but are no longer subject to a Promotional Rate.

  • Cash Purchase Rate

    AMOUNT

    23.99% p.a.

    DESCRIPTION

    The Annual Percentage Rate that applies to all other Transactions and amounts.

 
 
 

*Any outstanding balance after the Interest Free and no repayment period reverts to the Card Purchase Rate of 19.95%. Subject to suitability assessment and credit approved applicants only. Fees and charges apply.

RATES + FEES AMOUNT DESCRIPTIONS
Annual Fee $99 Charged at the time the first debit is charged to your Skye Account and annually on the anniversary of that day.
Cash Advance Rate 25.99% p.a. The Annual Percentage Rate that applies to outstanding Cash Advances from the date of the Cash Advance and dishonoured payments from the date of the dishonour.
Promotional Rate Available across individual campaigns If we agree that a Promotional Rate will apply to a Transaction for a specified period of time, that rate will apply for that time.
Expired Promotional Rate 25.99% p.a. The Annual Percentage Rate that applies to outstanding balances that were but are no longer subject to a Promotional Rate.
Card Purchase Rate 23.99% p.a. The Annual Percentage Rate that applies to all other Transactions and amounts.
FEES AND CHARGES KEY FACT SHEET  
 

ELIGIBILITY

 

Things you’ll
need to apply

18+ years old

18+ years old

Earn $25,000 p.a.

Earn $25,000 p.a.

Permanent Australian resident

Permanent Australian
resident

Mobile number and email address

Mobile number
and email address

Australian driver's licence, Medicare card or Australian passport

Australian driver's licence, Medicare card or Australian passport

Clear credit file

Clear credit file