Rating based on 37 reviews

Big Sky

  • Free ATM fees
  • Overseas card access
  • Low-interest starting from 13.58%

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Big Sky homepage
Author Big Sky. Screenshot of Big Sky website.
[Accessed May 26, 2023]

About Big Sky

Big Sky is one of Australia’s largest credit unions that affordable financial services. Their aim is to serve customers across regional, metropolitan and remote Australia and they have been doing so for more than 40 years.

Big Sky has some really competitive and comprehensive range of services and products. Their products and services range from insurance to banking and money advice.

Profits are reinvested

The organization returns profits to all of members by offering attentive services and competitive rates. Big Sky has been one of the best alternatives to large banks for many years and continues to grow and offer outstanding value and great customer service.

The same principals apply

Although they also have a large range of competitive services and financial products that operate under the exact same regulations as banks as well as having the same guarantees when it comes to saving and investment products.

Not the same as other banks

Even though Big Sky is a great alternative to large banks they are not beholden to pay shareholders. They are not conflicted at any time when it comes to their dealings with customers because the difference is extremely crucial to Big Sky.

Big Sky Services

The approach of Big Sky is simple. They always aim to help their customers to meet all their financial needs during the course of their lives ranging from the financial literacy in childhood straight through to retirement.

Some of the personal banking products offered by Big Sky include:

  • Everyday Transaction Accounts
  • Investment Accounts such as eKids, Net Invest, Golden Saver and Term Deposits
  • EFTPOS, Visa Debit Cards, Credit Cards and rediCARD
  • General Insurance
  • A range of loans 
  • Transfers, Foreign Currency or Cards

Something for everyone

Big Sky has a range of products suited for all walks of life that are able to be used every day. Big Sky always tries to understand their clients and help them grow in their wealth.

When choosing to work with one of the Financial Advisors at Big Sky you can be sure to receive only the best and sound advice that is appropriate for your situation and financial needs.

Credit card products

Big Sky offers a low rate credit card and a rewards credit card which offer Big Sky Cash Rewards. Both cards offer 45 days interest free purchases after which their ongoing interest rate will apply. They also charge a fixed interest rate for balance transfers, purchases and cash advances.

Big Sky – Credit card

  • Loan Type Credit cards
  • Interest Rate 13.5818.99% p/a

Benefits of Big Sky

  • Apply for a credit card online
  • Get low rates on your card
  • Get rewards for everyday spending

High value credit cards with low rates

Applying for a credit card is simple and easy provided you have all the relevant documentation and information.

You can easily apply for a credit card online via an online loan application or you can download the forms and mail it to the office handling the applications.

How do I qualify?

  • Need to be 18 years or older
  • Have an income
  • Be an Australian Citizen
  • Be able to prove all income and expenditure
  • Be financially secure to make repayments

Pay ID

Pay ID is lovely to use for you and the members that might need to pay you or you may need to pay a bill you can now do that with Pay ID. All you have to do is follow the easy steps to register for the option. First, all you have to do is get yourself login details for Australia Unity and then you will click on Pay ID where you will choose either your cell number or your email address. You to then link your Pay ID to one of your accounts whether it be a Savings or a credit card once you have done that then you will need to verify your account which you can do by clicking get SMS and you will receive your code and you will be up and running. You will be able to make payments with ease and not have to stress about how long it may take for the cash to reflect in another account.

What information do you need?

  • Proof of income
  • All personal information
  • Personal information such as expenditures, savings and fixed-term deposits
  • Proof of employer such as address and contact details
  • All assets such as vehicles, other personal loans  and properties
  • Valid Driver’s License and Passport
  • Proof of residence

They offer you health insurance

If you are looking for a way to have easier access to a doctor but can’t afford full medical aid then they have a product for you that will give you some of the benefits of being on a medical aid at a lower price. With this benefit, you will be able to see private doctors and dentists and more.

man holding thumbs up

Big Sky is a trusted & reliable provider of credit cards

In our review, Big Sky adheres to the compliance criteria in accordance with the National Consumer Protection Act, where the granting the loan will not cause financial distress to the consumer.

✅ Big Sky is a registered credit provider in Australia: ACL 237994

Customer Reviews & Testimonials

June 2018

Paying staff has never been easier with the Pay ID option all my staff get their salaries on time and the best part is I can be anywhere all I have to do is log onto my profile and start.

Shaun W
— Perth —

November 2018

With this company, you really don’t have to go anywhere else to loans and credit cards to insurance and even health insurance you are covered by them I recommend them.

Marleen J
— Sydney —

January 2019

My wife and I love this company they are always here to help and do their best to make sure that you get what you need.

John B
— Brisbane —

Big Sky Contact

Contact Number



Physical Address

  • 114 Albert Road, South Melbourne South Melbourne VIC 3205 Australia
  • Get Directions

Postal Address

  • GPO Box 1801, Melbourne, 3001, Australia

Opening Hours

  • Monday 08:30 – 17:30
  • Tuesday 08:30 – 17:30
  • Wednesday 08:30 – 17:30
  • Thursday 08:30 – 17:30
  • Friday 08:30 – 17:30
  • Saturday – Closed
  • Sunday – Closed