Help
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
It is a period 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
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.
Skye Self Service allows you to view your statement history.
For statements older than 6 months you can request this via email: customerservice@flexicards.com.au and a customer service representative will send these to your email address listed on your account.
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.
You can add up to 4 additional card holders to your account through the Skye Self Service.
To authorise a third party to you will need to complete the Third-Party Consent Form and send it to us via email to customerservice@flexicards.com.au
It will take approximately 5 – 7 business days for your Skye Mastercard to arrive.
Log in to Skye Self Service and activate your Skye Mastercard online.
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. Your Customer ID can be found on the back of you Skye Mastercard.
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 up to 110 days Interest Free.
Yes. You can change your PIN through Skye Self Service.
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.
You can apply to increase your credit limit via our Live Chat and our Customer Service team will assist you with a credit limit increase application, subject to our eligibility criteria. Or you can also call us on 1300 115 533.
You can easily decrease your credit limit through Skye Self Service; please note the new limit you apply for must be:
- Lower than your current limit
- Greater than your current balance plus any pending transactions.
- Greater than the minimum allowed for this product, which is $1,000
- A multiple of $100 (for example $5,300)
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.
The daily cash withdrawal limit is $1000 cash per day.
No. Cash withdrawals will not affect any Interest Free Term or promotional purchase you may have made on your Skye account.
Yes – through Skye Self Service. If you haven’t already registered for Skye Self Service, click here to register.
Please immediately report it as lost or stolen through your Skye Self Service, you can also temporarily block your card to prevent it being used.
If there’s a transaction that you don’t recognise it could be because:
- The business could be trading in a different name
- The purchase was made by a family member or another cardholder authorised to use the account
- The transaction could have been made in a foreign currency and converted into Australian dollars
If you want to dispute a transaction, we recommend that you complete the ‘Notice of disputed transaction’ form. Once you’ve completed the form, please send it to fraud@flexigroup.com.au as soon as possible.
Where multiple transactions are being disputed please attach a statement for each disputed transaction with the transactions highlighted.
There are three ways that you can make repayments to your Skye Mastercard:
- Setting up Direct Debit payments from your nominated bank account - This can be set up to be debited weekly, fortnightly or monthly.
- Via BPAY
- A one-time payment through Skye Self Service
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.
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.
After your Skye account is paid in full, you can request to close your Skye account through Skye Self Service.
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.
- 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 your request has been submitted you will receive a closure confirmation within 5 business day. Your final statement will be sent to you at the end of your normal statement cycle.
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.
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.
*Please note all BPAY payments will incur a 0.95c payment handling fee.
To set up a reoccurring Direct Debit click here.
You will be able to set up either:
- A minimum monthly payment; or
- A fixed monthly payment
Please note that Direct Debits can only be set up as monthly. Payments will only be taken on the due date of the account.
Yes. If you make a one-time payment your reoccurring Direct Debit payment will still be taken. Once you have set up a reoccurring Direct Debit, this will automatically be taken monthly.
If the unexpected happens and you’re having any concerns or difficulties in making your minimum monthly repayments or immediately paying any overdue amounts, please call us immediately on 1300 115 533 and select prompt 1. We can help with guidance and support.
No, once your account is placed under hardship you will not be able to continue to make purchases. This is for your financial security, preventing your account from falling further into hardship.
No, when we place your account under hardship, we will not default or make any comments on your credit file.
To apply for hardship, send us an enquiry using our website help form and one of our team will be in contact. If you’d like to speak directly to one of our customer service representatives, you can do so on our web chat, or by calling 1300 115 533
If in four months’ time you find that your situation hasn’t changed or hasn’t improved to a point where you’re able to continue repayments, your account will be reassessed for the best option moving forward.
Yes, reduction of repayments is one available option to assist during financial hardship.
SkyePlans allow you to convert purchases of $250 or more to your choice of 3 Interest Free Instalment Plans. You will be able to pay of big-ticket purchases in monthly instalments at 0% p.a. interest for a small establishment fee.
By logging into your Skye Self Service account, you will be able to convert Skye Mastercard® purchases of $250 or more to a SkyePlan. As you scroll through your recent transactions, any transaction of $250 or more will have the option to ‘Convert to SkyePlan’. Please note, that you can only convert up to 80% of your credit limit to a Skye Plan.
The table below summarises the establishment fees:
| Term | Establishment fee |
|---|---|
| 9 months | 3% of the purchase price |
| 12 months | 4% of the purchase price |
| 15 months | 5% of the purchase price |
A SkyePlan can be created within 30 days of making your eligible purchase.
The instalment amounts will be debited from your nominated account on a monthly basis. If you do not have a direct debit set up, the instalment amounts will form part of your minimum monthly payment, payable on the date set out in your monthly statement.
A SkyePlan can be cancelled at any time, but please note cancellation can take up to 5 business days. To cancel your SkyePlan contact us on 1300 115 533.
If your SkyePlan is cancelled, any remaining balance under a cancelled SkyePlan will be converted back to a standard Transaction and the annual percentage rate applicable to that cancelled amount will be the Card Purchase Rate.
Under a SkyePlan, if you fail to pay all or part of a monthly Instalment Repayment, that amount:
- will be overdue
- will not form part of the SkyePlan or SkyePlan Remaining Balance
- will form part of the Unpaid Balance and
- interest (at the Card Purchase Rate) will be calculated and debited to your Skye Account on that overdue amount from the time it becomes overdue in accordance with the Conditions of Use.
We genuinely want to hear suggestions for improvement and be given the opportunity to resolve any situations, confusions or complaints that may arise. If your complaint is not resolved by the Customer Service Team, refer your complaint to our Customer Relations Complaints Team by calling 1300 858 608 9am-5pm, Monday-Friday or emailing CustomerRelations.Complaints@Flexigroup.com.au
If you are unhappy with the resolution of your complaint by our Customer Relations Complaints team, the Australian Financial Complaints Authority (“AFCA”) helps individuals and small business customers resolve problems and disputes with their financial service provider, and its use is free for individual customers. AFCA can be contacted online at www.afca.org.au via telephone at 1800 931 678 or in writing through GPO Box 3, Melbourne, VIC 3001 (Australia.
Help
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
It is a period 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
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.
Skye Self Service allows you to view your statement history.
For statements older than 6 months you can request this via email: customerservice@flexicards.com.au and a customer service representative will send these to your email address listed on your account.
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.
You can add up to 4 additional card holders to your account through the Skye Self Service.
To authorise a third party to you will need to complete the Third-Party Consent Form and send it to us via email to customerservice@flexicards.com.au
It will take approximately 5 – 7 business days for your Skye Mastercard to arrive.
Log in to Skye Self Service and activate your Skye Mastercard online.
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. Your Customer ID can be found on the back of you Skye Mastercard.
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 up to 110 days Interest Free.
Yes. You can change your PIN through Skye Self Service.
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.
You can apply to increase your credit limit via our Live Chat and our Customer Service team will assist you with a credit limit increase application, subject to our eligibility criteria. Or you can also call us on 1300 115 533.
You can easily decrease your credit limit through Skye Self Service; please note the new limit you apply for must be:
- Lower than your current limit
- Greater than your current balance plus any pending transactions.
- Greater than the minimum allowed for this product, which is $1,000
- A multiple of $100 (for example $5,300)
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.
The daily cash withdrawal limit is $1000 cash per day.
No. Cash withdrawals will not affect any Interest Free Term or promotional purchase you may have made on your Skye account.
Yes – through Skye Self Service. If you haven’t already registered for Skye Self Service, click here to register.
Please immediately report it as lost or stolen through your Skye Self Service, you can also temporarily block your card to prevent it being used.
If there’s a transaction that you don’t recognise it could be because:
- The business could be trading in a different name
- The purchase was made by a family member or another cardholder authorised to use the account
- The transaction could have been made in a foreign currency and converted into Australian dollars
If you want to dispute a transaction, we recommend that you complete the ‘Notice of disputed transaction’ form. Once you’ve completed the form, please send it to fraud@flexigroup.com.au as soon as possible.
Where multiple transactions are being disputed please attach a statement for each disputed transaction with the transactions highlighted.
There are three ways that you can make repayments to your Skye Mastercard:
- Setting up Direct Debit payments from your nominated bank account - This can be set up to be debited weekly, fortnightly or monthly.
- Via BPAY
- A one-time payment through Skye Self Service
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.
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.
After your Skye account is paid in full, you can request to close your Skye account through Skye Self Service.
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.
- 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 your request has been submitted you will receive a closure confirmation within 5 business day. Your final statement will be sent to you at the end of your normal statement cycle.
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.
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.
*Please note all BPAY payments will incur a 0.95c payment handling fee.
To set up a reoccurring Direct Debit click here.
You will be able to set up either:
- A minimum monthly payment; or
- A fixed monthly payment
Please note that Direct Debits can only be set up as monthly. Payments will only be taken on the due date of the account.
Yes. If you make a one-time payment your reoccurring Direct Debit payment will still be taken. Once you have set up a reoccurring Direct Debit, this will automatically be taken monthly.
If the unexpected happens and you’re having any concerns or difficulties in making your minimum monthly repayments or immediately paying any overdue amounts, please call us immediately on 1300 115 533 and select prompt 1. We can help with guidance and support.
No, once your account is placed under hardship you will not be able to continue to make purchases. This is for your financial security, preventing your account from falling further into hardship.
No, when we place your account under hardship, we will not default or make any comments on your credit file.
To apply for hardship, send us an enquiry using our website help form and one of our team will be in contact. If you’d like to speak directly to one of our customer service representatives, you can do so on our web chat, or by calling 1300 115 533
If in four months’ time you find that your situation hasn’t changed or hasn’t improved to a point where you’re able to continue repayments, your account will be reassessed for the best option moving forward.
Yes, reduction of repayments is one available option to assist during financial hardship.
SkyePlans allow you to convert purchases of $250 or more to your choice of 3 Interest Free Instalment Plans. You will be able to pay of big-ticket purchases in monthly instalments at 0% p.a. interest for a small establishment fee.
By logging into your Skye Self Service account, you will be able to convert Skye Mastercard® purchases of $250 or more to a SkyePlan. As you scroll through your recent transactions, any transaction of $250 or more will have the option to ‘Convert to SkyePlan’. Please note, that you can only convert up to 80% of your credit limit to a Skye Plan.
The table below summarises the establishment fees:
| Term | Establishment fee |
|---|---|
| 9 months | 3% of the purchase price |
| 12 months | 4% of the purchase price |
| 15 months | 5% of the purchase price |
A SkyePlan can be created within 30 days of making your eligible purchase.
The instalment amounts will be debited from your nominated account on a monthly basis. If you do not have a direct debit set up, the instalment amounts will form part of your minimum monthly payment, payable on the date set out in your monthly statement.
A SkyePlan can be cancelled at any time, but please note cancellation can take up to 5 business days. To cancel your SkyePlan contact us on 1300 115 533.
If your SkyePlan is cancelled, any remaining balance under a cancelled SkyePlan will be converted back to a standard Transaction and the annual percentage rate applicable to that cancelled amount will be the Card Purchase Rate.
Under a SkyePlan, if you fail to pay all or part of a monthly Instalment Repayment, that amount:
- will be overdue
- will not form part of the SkyePlan or SkyePlan Remaining Balance
- will form part of the Unpaid Balance and
- interest (at the Card Purchase Rate) will be calculated and debited to your Skye Account on that overdue amount from the time it becomes overdue in accordance with the Conditions of Use.
We genuinely want to hear suggestions for improvement and be given the opportunity to resolve any situations, confusions or complaints that may arise. If your complaint is not resolved by the Customer Service Team, refer your complaint to our Customer Relations Complaints Team by calling 1300 858 608 9am-5pm, Monday-Friday or emailing CustomerRelations.Complaints@Flexigroup.com.au
If you are unhappy with the resolution of your complaint by our Customer Relations Complaints team, the Australian Financial Complaints Authority (“AFCA”) helps individuals and small business customers resolve problems and disputes with their financial service provider, and its use is free for individual customers. AFCA can be contacted online at www.afca.org.au via telephone at 1800 931 678 or in writing through GPO Box 3, Melbourne, VIC 3001 (Australia.
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