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Big Sky Credit Union Credit Cards

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Big Sky Credit Union offers a low rate card and a rewards card, and existing home loan customers can even get a home loan rate credit card.

Big Sky Credit Union began operations in 1971, in the form of BHP Employee Co-operative, and over time it went on to merge with other credit unions like BP, GMH, RACV, and Lysaght. This credit union continues to grow in terms of both, number of members and assets held under management, and it has service centres in Queensland, South Australia, Victoria, and Western Australia. Big Sky Credit Union offers its members financial services and products you would typically associate with a bank, some of which include everyday banking and saving accounts, home and investment loans, personal loans and overdrafts, credit cards, and insurance solutions.

Comparison of Big Sky Credit Union Credit Cards

Rates last updated July 29th, 2017
Name Product Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Purchase rate (p.a.) Annual fee Product Description
Big Sky Credit Union Visa Credit Card with Rewards
1
0
16.58% p.a.
$49 p.a.
Enjoy earning cash rewards for every dollar that you spend on the credit card up to 250,000 per year.
Big Sky Credit Union Visa Low Rate Credit Card
0
0
11.99% p.a.
$29 p.a.
Receive up to 45 days interest-free on purchases and the ability to pay using Visa payWave for transactions less than $100.

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Types of credit cards that Big Sky Credit Union offers

Turning to Big Sky Credit Union for a credit card presents multiple alternatives, and if you have an existing home loan with this credit union you can look forward to a special interest rate.

  • Low rate credit cards

The biggest draw of a low rate credit card is its low ongoing rate, which can be particularly beneficial for people who don’t pay their outstanding balances in full every billing cycle. The Low Rate Visa Card that Big Sky Credit Union enables you to get up to 45 interest free days on purchases. If you have an existing home loan with this credit union you can get a Visa Credit Card at the Standard Choice home loan variable interest rate.

Learn more about Low Rate Credit Cards

  • Rewards credit cards

If you like the idea of earning and redeeming rewards, you can consider getting a rewards credit card. The Big Sky Credit Union Visa Credit Card with Cash Rewards comes linked to a rewards program that gives you great freedom in redeeming your reward points. This card offers up to 45 interest free days on purchases and balance transfers.
Learn more about Rewards Credit Cards

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Benefits of getting a Big Sky Credit Union credit card

When you deal with a reputable credit union you can look forward to multiple benefits, and here’s what you can look forward to when you get a credit card through Big Sky Credit Union.

  • Minimal fees

Big Sky Credit Union credit cards do not attract any application fees or annual fees, and you don’t have to pay extra fees for additional cards.

  • Easy access to funds

All Big Sky Credit Union credit cards come with Visa affiliations so you can use your card in over 200 countries. You can use your card to withdraw money from any ATM in the world that displays the Visa logo. You can also use your card to pay bills and shop online and over the phone. Since your card is payWave enabled, you can make contactless payments of under $100 at payWave terminals.

  • Single interest rate

Unlike many other financial institutions that charge credit card holders higher cash advance rates, all Big Sky Credit Union credit cards charge the same interest rate for purchases, cash advances, and balance transfers.

  • Card security

A round the clock fraud prevention service called Vigil monitors Big Sky Credit Union credit card accounts for suspicious activity, and if it detects any such activity you have to answer certain identity questions to verify yourself as the account holder. These cards also receive protection through Visa's Zero Liability Policy that offers cover in the event of unauthorised or fraudulent transactions.

How to apply for a Big Sky Credit Union credit card

You can apply for a Big Sky Credit Union credit card by visiting any of its service centres, or you can download an application and mail, email, or fax it across. You can also complete and submit your application online, and to get started click on the ‘Go to Site’ button next to the card of your choice. Before you begin, make sure you meet the following application criteria.

  • You’re an Australian citizen or a permanent Australian resident
  • You’re at least 18 years old
  • You don’t have poor credit history

Since the application requires you to provide a variety of information, prepare to part with the following.

  • Personal details. Start by providing your complete name, date of birth, marital status, number of dependents, phone number, email address, residential address, and residential status.
  • Income details. Here, you have to provide details of income you earn from all sources. You also have to provide your primary employer’s name and contact details.
  • Asset details. These include any equity you own in your home or other real estate as well as your motor vehicles, investments, and savings.
  • Expense details. Expenses can include how much you spend on rent, mortgage payments, school fees, transportation, utility bills, and the likes. You also have to provide details about monthly payments, outstanding balances, and credit limits of all existing loans, credit cards, store cards, and other debts.

After applying

If Big Sky Credit Union requires additional information after reviewing your application, a Big Sky Credit Union rep contacts you. You can help speed the process a little by informing your employer’s payroll department about an impending employment and income verification call. After pre-approval, if you’re not an existing Big Sky Credit Union member you’ll have to apply for membership to get your card, because Big Sky Credit Union offers them only to its members. New members have to go through an identity verification process which is a legal requirement.

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Frequently asked questions

If you can’t find an answer to a question you have about these credit cards you can use the form at the end of this page to ask.

The application takes little more than a few minutes to complete, but requires that you have access to different types of information. You can save your application at any stage and retrieve it later.

You can check the status of your application online or over the phone.
You can make payments by setting up automatic debits using just about any Australian bank account, and you can also turn to online and phone banking. To mail a cheque you have to use the address mentioned on your credit card statement, and you can also make over-the-counter payments by visiting a Big Sky Credit Union service centre.
The minimum credit limit of Big Sky Credit Union credit cards is $500. For a successful credit increase application you have to meet certain credit criteria.
Primary Cardholders can request for up to four additional cards for free, and they can do this online, over the phone, or by visiting a Big Sky Credit Union service centre.
You earn reward points when you use your Visa Credit Card with Cash Rewards to make eligible purchases, in-store, online, or over the phone. Every dollar you spend earns one reward point and 250 reward points convert to one dollar cash reward. The cash rewards credit to a linked S46 Cash Rewards account.
Yes, you cannot earn more than 100,000 cash rewards points in any given membership year.
You can redeem your reward points by shopping at any merchant in Australia who accepts payments via EFTPOS. You can also access the credit balance in your Cash Rewards account by transferring it to another Big Sky Credit Union account.
You can track your reward points by turning to Big Sky Credit Union’s online and phone banking platforms. If you make eligible transactions you receive a monthly cash rewards statement, and if you don’t make eligible transactions you receive a statement at least once in six months.
During business hours you should call 1300 654 321, and the number to call outside business hours is 1800 648 027.
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