The Skye card was useful overseas but paying them is a headache. The app is slow to update its data and they take an eternity to process payments. They are however quick to charge for overdue payments (which can be held up in their slow processing when they apply the charge). It is a no-win. If you use direct payment from your bank they are slow to process it, if you use BPay they charge you. In future, I will make use of some of the (better) alternatives.

As i get paid monthly, I always paid more than the monthly minimum by a significant amount, yet each month they would tell I need to pay $20 and if I didn't i would be charged late fee even though I had paid more than required. The people I spoke to were mostly useless and I ended up just paying off way before the end of the interest free period to close the account. Then I ring up to close the account which seemed easy enough..... wrong... I now owe another $99 for the annual fee, which by the way will refuse to pay. Absolute scammers, avoid at all costs (even for that laptop you want)

Do not deal with this company stay as far away as possible, I flipped from once to skye mind you never got an email to say this was going to happen the they charge me over $1600 just in interest so I ring up and get told three different amounts, I ring complaints a they tell me sorry we will wipe interest and start again . well guess what she never did it and now I am still getting harassment calls .. next stop ombudsman lucky for me I recorded all phone calls

Despite several hours (no exaggeration my last chat session was 50minutes alone) on live chat support my efforts to purchase a holiday using my Skye Mastercard and convert it to a SkyePlan is a failure. All I am left with is a large purchase with high interest.

I had 3-4 chat sessions before the purchase and now this session afterwards. At every point information was withheld. The full picture was never disclosed, and what is described as a simple process on their website is nothing but a web designed to trap customers.

I can't believe a repeat customer would be treated as badly as this. Horrible service and worse product.

I applied for interest free with Skye last week only to spend most of the afternoon filling in an application form online that had no real professional structure.
Completed form only for them to try calling me at least 5 or 6 times at about 7pm while I was out to dinner on a Friday night, and text me to contact them the same amount of times. After I finally gave up on eating I answered only to be told they did not get to read my account information in time and I needed to resend.
Lucky for me I was so annoyed they called me at that hour, I told them to cancel my application and forget my number. Lucky Me especially after reading these reviews.

Have been chasing a simple account closure statement including the last payment made stating the amount paid and showing zero balance, instead have received about 20 copies of the same template slapped onto a letter head just stating account closure in words. They have also taken it upon themselves to block my account just before the monthly generated statement would be available for me to download myself. A bunch of frauds running a so called company, do not associate with them no matter how desperate

We applied for this card through Flight Center.
Our direct debit is all set up correctly and was due to be taken out yesterday the22nd. It hasn't been taken out all our details are correct. I can't even call the call center to talk to some one.
I will not pay a late dishonest fee due to there mistake.
I want this rectified immediately.

2 online application, wrong links sent; 2 hrs & 5 fone calls to them, they still got it wrong. They approved my application with faulty inaccurate info. Then withdrew it & declined it.

Be very careful with this company, when you try to close the account they try and talk you in to staying. Once you insist they then put you on hold for ages then come back with a lame excuse saying they cant process the payment as they are having computer troubles. This is in the hope that if you give up and call again the next day they will have received increased interest.
Dodgy, beware !!!!!

Basically the fact is - you cannot transfer the balance to another card! So if you intend buying something over a period of time using a couple of credit cards with 0% balance transfers, be aware that Skye Card to not allow balance transfers.

Skye assured if I closed my account before a certain date, I wont be paying annualfee. After unfair charge, Fernando Cabilla reported unfair charge of $99 supervisor. Still awaiting refund

As of the 21st of June, Lombard (flexigroup) changed to skye, cancelled a lot of peoples credit cards.
If this has happened to you, contact AFCA Australian Financial Complaints Authority and lodge a formal complaint. This formal complaint will halt any phone calls and/or legal proceedings against you until investigated. They cancelled my card due to their restructure.

I took well over a week to get a replacement card. I had to email four times, each with different identifying information for compliance purposes. Every time I called the 24-hour line I record a voicemail saying I had called out of hours. Two weeks later and no closed to having my lost card replaced. I will be applying elsewhere before my international travel.