Big Sky Credit Union Credit Cards

big-sky-cu-logo

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 December 9th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Big Sky Credit Union Visa Credit Card with Rewards
Enjoy earning cash rewards for every dollar that you spend on the credit card.
16.58% p.a. $49 p.a. More info
Big Sky Credit Union Visa Low Rate Credit Card
Enjoy this low rate card with a low variable interest rate and up to 45 days interest free on purchases.
11.99% p.a. $29 p.a. More info

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.

Rates last updated December 9th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
Big Sky Credit Union Visa Low Rate Credit Card
Enjoy this low rate card with a low variable interest rate and up to 45 days interest free on purchases.
11.99% p.a. $29 p.a. Up to 45 days on purchases More info
Rates last updated December 9th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
ANZ Low Rate Platinum Credit Card
$250 Back plus 0% p.a. for the first 6 months on purchases from approval.
0% p.a. for 6 months (reverts to 13.49% p.a.) $99 p.a. Up to 55 days on purchases Go to site More info
NAB Low Fee Card
Enjoy a low introductory rate of 0% p.a. on balance transfers and purchases for 15 months.
0% p.a. for 15 months (reverts to 19.74% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $30 p.a. Up to 44 days on purchases Go to site More info
ME Bank frank Credit Card
A low interest rate on purchases and cash advances with no annual fee charge.
11.99% p.a. $0 p.a. Up to 55 days on purchases Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Up to 55 days on purchases Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $59 p.a. Up to 55 days on purchases Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
Westpac Low Rate Card
A simple low interest rate card featuring a low ongoing rate on purchases, up to 55 days interest-free on purchases and a low annual fee.
1% p.a. for 12 months (reverts to 13.49% p.a.) 0% p.a. for 16 months $59 p.a. Up to 55 days on purchases Go to site More info
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 18 months and an introductory purchase offer of 1% p.a. for 12 months with an annual fee waiver for the first year.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Up to 55 days on purchases Go to site More info
Coles Low Rate MasterCard
A low rate MasterCard with a competitive rate on purchases and a low annual fee.
12.99% p.a. 0% p.a. for 6 months $49 p.a. Up to 62 days on purchases Go to site More info
Bank of Melbourne Vertigo Visa Credit Card
Enjoy a low annual fee combined with 0% p.a. balance transfer offer for 18 months and 1% p.a. for up to 12 months on purchases.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
Bank of Melbourne Vertigo Platinum
A platinum card with a low balance transfer offer of 0% p.a. interest for 18 months and 1% p.a. for 12 months on purchases combined with complimentary insurance covers.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Up to 55 days on purchases Go to site More info
Australian Military Bank Low Rate Visa Credit Card
Enjoy a low interest rate of 10.99% p.a. on purchases, combined with a balance transfer offer of 0% p.a. for 12 months and a low annual fee.
10.99% p.a. 0% p.a. for 12 months $49 p.a. Up to 55 days on purchases Go to site More info
ANZ Low Rate
$100 Back plus 0% p.a. for the first 6 months on purchases from approval.
0% p.a. for 6 months (reverts to 13.49% p.a.) $58 p.a. Up to 55 days on purchases Go to site More info
BankSA Vertigo Visa
Enjoy a low balance transfer offer of 0% p.a. for 18 months and a low ongoing purchase rate from BankSA.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
Citi Clear Platinum Card
Enjoy 0% p.a. for 9 months interest-free purchasing and 0% p.a. for 9 months on balance transfers.
0% p.a. for 9 months (reverts to 14.99% p.a.) 0% p.a. for 9 months $99 p.a. Up to 55 days on purchases Go to site More info
BankSA Vertigo Platinum
Experience Platinum card benefits with complimentary insurance policies and 24/7 Visa Platinum Concierge Service. Get 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months if you apply by 4 January 2017.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Up to 55 days on purchases Go to site More info

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.

Rates last updated December 9th, 2016
Rewards Points per $ spent (AMEX) Rewards Points per $ spent (VISA/MC) Bonus Points Annual fee
Big Sky Credit Union Visa Credit Card with Rewards
Enjoy earning cash rewards for every dollar that you spend on the credit card.
0 1 $49 p.a. More info
Rates last updated December 9th, 2016
Rewards Points per $ spent (AMEX) Rewards Points per $ spent (VISA/MC) Bonus Points Annual fee
American Express Explorer Credit Card
Receive 100,000 Membership Rewards Bonus Points on eligible spend within the first 2 months of Card Membership. Also enjoy a $400 travel voucher and two complimentary airline passes per year.
2 100,000 bonus points $395 p.a. Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
1 $0 p.a. Go to site More info
HSBC Platinum Credit Card
Enjoy an annual fee refund every year if you meet the spend requirement with a balance transfer offer, high credit limits and prestige services including a personal concierge service and VISA Platinum rewards program.
0 1 $149 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
0 1 60,000 bonus points $199 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn bonus Velocity Points in the first 3 months plus a low balance transfer offer of 0% p.a. for 18 months
0 0.66 $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
NAB Qantas Rewards Premium Card - Exclusive Offer
Get 75,000 bonus Qantas Points plus enjoy a low promotional offer of 4.99% p.a. for 6 months on balance transfers.
1.5 0.5 75,000 bonus points $250 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Earn Velocity Points plus enjoy an introductory interest-free offer of 0% p.a. on purchases for 12 months, and 0% p.a. for 6 months on balance transfers.
0 0.66 $129 p.a. Go to site More info
ANZ Rewards Platinum
Earn points for every dollar spent on purchases plus a 50,000 Reward Points after your first eligible purchase is made within 3 months of card approval.
2 1 50,000 bonus points $95 p.a. Go to site More info
American Express Velocity Platinum Card
Enjoy up to 50,000 bonus Velocity Points when you meet the minimum required spend and earn up to 3 rewards points per dollar spent. Also receive a complimentary return flight every year.
1 0 50,000 bonus points $349 p.a. Go to site More info
American Express Platinum Edge Credit Card
Receive 10,000 Membership Rewards Bonus Points when you meet the minimum spend requirement. Enjoy a $200 travel credit every year and get 0% p.a. for 12 months on balance transfers.
1 0 10,000 bonus points $195 p.a. Go to site More info
ANZ Rewards Travel Adventures card
Pay no overseas transaction fee on purchases and receive complimentary domestic return flight and lounge passes each year you hold the card when you spend $500 on eligible purchases within the first three months.
2 1 $225 p.a. Go to site More info
Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
Receive 30,000 bonus Velocity Points and earn 1 Velocity Points per $1 spent. Receive an exclusive $129 Virgin Australia Gift Voucher and two complimentary Single Entry Virgin Australia domestic Lounge passes each year.
0 1 30,000 bonus points $144 p.a. annual fee for the first year ($289 p.a. thereafter) Go to site More info
American Express Qantas Discovery Card
A no annual fee frequent flyer credit card with Earn 7,500 bonus points and enjoy 0% p.a. on balance transfers for 12 months when you apply and are approved. Earn 1 Qantas Point per $1 spend.
1 0 7,500 bonus points $0 p.a. Go to site More info
American Express Velocity Escape Card
Enjoy 7,500 bonus Velocity Points when you meet the minimum spend requirement and earn up to 2 points for every $1 you spend, together with a $0 annual fee.
1 0 7,500 bonus points $0 p.a. Go to site More info
Westpac Altitude Black - Exclusive Offer
Earn 100,000 bonus points when you spend $5,000 on eligible purchases, choose between two reward programs offering Altitude or Qantas Rewards and receive premium cardholder benefits.
3 1.25 100,000 bonus points $395 p.a. Go to site More info
American Express Qantas Premium Card
Earn as much as 30,000 bonus Qantas Points when you meet the minimum spend requirement. Enjoy frequent flyer benefits including uncapped Qantas Points per $1 spent, complimentary travel insurance and Qantas Club lounge invitations.
1 0 30,000 bonus points $249 p.a. Go to site More info
David Jones American Express Platinum Card
Receive 40,000 Membership Rewards points or 30,000 Qantas Points. Plus earn up to 4 rewards point per $1 spend.
1 40,000 bonus points $295 p.a. Go to site More info
Citi Qantas Signature Credit Card
Earn up to 50,000 bonus Qantas Points when you spend $2,000 or more on eligible purchases in the first 90 days. Plus, enjoy introductory interest rates on balance transfers and purchases with a discounted annual fee of $199 in the first year.
0 1 50,000 bonus points $199 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
American Express Platinum Business Card
Receive 100,000 bonus points when you meet the minimum spend requirement and earn up to 2 Membership Rewards points for every dollar spent.
1 0 100,000 bonus points $1,500 p.a. Go to site More info

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.

How quickly can I complete the application?

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.

How can I check the status of my application?

You can check the status of your application online or over the phone.

How can I make repayments?

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.

What is the minimum credit limit and can I ask for an increase?

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.

How can I get an additional card?

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.

How do I earn reward points?

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.

Is there a cap of the number of points I can earn?

Yes, you cannot earn more than 100,000 cash rewards points in any given membership year.

How can I redeem my reward points?

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.

How can I keep track of my reward points?

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.

What should I do to report a lost or stolen card?

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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American Express Essential Credit Card
American Express Essential Credit Card

Interest rate

14.99

Annual fee

0
ME Bank frank Credit Card
ME Bank frank Credit Card

Interest rate

11.99

Annual fee

0
HSBC Platinum Credit Card
HSBC Platinum Credit Card

Interest rate

19.99

Annual fee

149

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