Big Sky Visa Low Rate Credit Card – Rates and Fees

Pay a low ongoing rate on purchases, balance transfers and cash advances, as well as $59 annual fee.

The Big Sky Visa Low Rate Credit Card is a no-frills card that charges the same competitive rate on purchases, cash advances, and even balances transfers.

This makes for easy account management and also helps you to save. The savings continue cardholders having up to 45 interest-free days on purchases, and these interest-free days apply to balance transfers as well. Cardholders don’t have to pay any application fees, annual fees, or additional card fees.

Product NameBig Sky Credit Union Visa Low Rate Credit Card
Purchase rate (p.a.)9.90% p.a.
Annual fee$59 p.a.
Interest Free Period
The interest-free period is the maximum number of days during which interest is not charged on new purchases. This only applies if you pay your closing balance in full by the statement due date.
Up to 45 days on purchases
Cash advance rate (p.a.)18.99% p.a.
Min credit limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
$500
Card TypeVisa
Foreign Currency Conversion Fee (VISA)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3% of transaction value
Complimentary Travel InsuranceNo
Minimum Age18 years of age
Available To Temporary ResidentsNo
Joint ApplicationNo
Annual fee$59 p.a.
Minimum Monthly Repayment3% of the credit card limit or $25.00 (whichever is higher)
Late Payment Fee$10
Foreign Currency Conversion Fee (VISA)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3% of transaction value
Cash Advance Fee$5
Overseas Cash Advance Fee$5
Overseas ATM Withdrawal Fee$4
Gambling Transactions AllowedNo
Additional Cardholder Fee$0
Number of Additional Cardholders4

Big Sky Visa Low Rate Credit Card features

  • Annual fee. The annual fee for this card is $59.
  • Interest-free days. If you pay your card’s closing balance completely at the end of every billing cycle, you can get as many as 45 interest-free days. These apply to purchases as well as balance transfers.
  • Balance transfer offer. You can save considerably by transferring balances to this card and making use of the competitive rate and interest-free days. One standard rate applies to your purchases as well as the balance transfer amount, so you can continue to use this card while making repayments without worrying about how your repayments will be applied.
  • Additional cardholders. You can get up to 4 additional cards linked to your primary account for free. Additional cardholders should be at least 18 years old.
  • Repayment options. Making repayments to your Visa Low Rate Card is easy. You can set up direct debits, you can make payments via online or phone banking, you can mail cheques, or you can visit any Big Sky branch.
  • Visa payWave. This technology allows you to use your card to make contactless payments under $100 at merchants that accept payWave payments.
  • Verified by Visa. When you or anyone else uses your credit card details to make online transactions, Verified by Visa provides additional security. If it detects any unusual activity, it asks for some personal details to verify that are the cardholder.

How to apply for the Big Sky Visa Low Rate Credit Card

You can visit any Big Sky branch to apply, get started over the phone, download an application from the Big Sky website, or you can submit an online application. Take into account that you have to meet the certain eligibility criteria, which are as follows:

Eligibility criteria

  • You are over 18 years of age
  • You are a permanent resident of Australia
  • You have good creditworthiness

Required documents

In order to successfully complete the application you have to provide an array of information, so keep the following close at hand:

  • Identification documents such as your Australian driver’s license, passport, or Medicare card
  • Your employer’s name, phone number, and address
  • Details about your income and expenses
  • Details about your assets and liabilities

The competitive rate that this card charges for all transactions can lead to savings and easy money management in the long run, but given that there are a number of low rate cards from which to choose, make sure you take some time to compare it with similar offerings.

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Credit Cards Comparison

Rates last updated November 21st, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
NAB Low Fee Platinum Card - Exclusive Offer
19.74% p.a.
0% p.a. for 25 months
$90 p.a.
finder Exclusive: Take advantage of 0% p.a. interest for 25 months on balance transfers with no balance transfer fee.
Citi Platinum Credit Card - Exclusive Offer
0% p.a. for 13 months (reverts to 20.99% p.a.)
0% p.a. for 13 months
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
finder Exclusive:
Save with 0% interest on purchases and balance transfers for 13 months (with no BT fee). Plus, a discounted $49 annual fee for the first year.
Virgin Australia Velocity Flyer Card - Exclusive Offer
0% p.a. for 14 months (reverts to 20.74% p.a.)
0% p.a. for 6 months
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
finder Exclusive: Save on credit card costs with half the annual fee for the first year and a 0% p.a. interest rate on purchases for 14 months.
American Express Westpac Altitude Platinum Bundle - Qantas - Exclusive Offer
20.24% p.a.
$50 p.a. annual fee for the first year ($249 p.a. thereafter)
finder Exclusive:
Up to 90,000 bonus Qantas Points when you meet the criteria with this dual Visa (issued & serviced by Westpac) & Amex (issued & serviced by Amex).

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* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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