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Ready for smarter and safer card transactions?
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Credit and debit card fraud remains a major concern for cardholders and a very costly risk for financial institutions around the world. In response to this continuing issue, some of the leading card providers have worked together to develop a new global standard in card security – microchip technology.
From 1 January 2010, Big Sky Visa cardholders can look forward to smarter and safer transactions with their Visa cards. We’re in the process of upgrading all cards to the new chip card technology. From 1 January 2010 Big Sky Visa Cardholders will begin to receive Visa chip cards.
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A new level of security
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The microchip is a smart chip, which appears as a gold or silver square embedded on the left hand side on the front of the cards. Like the magnetic stripe on the back of current Visa cards, the embedded chip stores your account details – your account name, number and account expiry date. But unlike the magnetic stripe, the microchip is virtually impossible to copy, which provides an unrivalled level of protection against counterfeiting, card skimming and other fraudulent use.
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A new way to transact with Visa
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Chip technology is already in use in Europe, Asia and New Zealand and has quickly become the preferred way to transact for cardholders and merchants alike. New chip terminals will soon be in use across Australia so look out for the chip marque wherever Visa is accepted.
With this new technology, instead of swiping your card, you may soon be asked to insert your card in the new EFTPOS terminals. The card remains in the terminal throughout the transaction and confirms your identity and transaction authorisation by requesting your PIN.
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The new global standard
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During the upgrade transition period, you will still be able to swipe and sign for transactions as before. As merchant terminals are upgraded, however, ‘dipping the chip’ and entering a PIN will become the new easier, faster and safer way to transact. If you are travelling overseas, we suggest you memorise your PIN as this is now the preferred payment authorisation method for most merchants.
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Click here for Frequently Asked Questions on the Visa Chip Cards
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At last, a credit card with a low interest rate and no annual fee, that's fully serviced by Big Sky staff who live and work in Australia!
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|  Download a Credit Card Application Form
| Please note that if you are requesting an additional card holder for a Credit Card, and they are not a current Big Sky Member they will need to provide 100 points of identification and fill out form below.
| 100 Point Identification Form
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Big Sky has developed a credit card with some great features, making it one of the best cards available in Australia. There's also a terrific rewards program that makes it as easy to redeem reward points as it is to earn them.
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 | | Visa Credit Card with Cash Rewards
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| | | | | | | | | | Up to 45 interest free days
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Cash Rewards
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For every $1 you spend you earn 1 reward point. For every 250 points = $1 Cash Reward. These Cash Rewards are credited directly to your Rewards Account which you can transfer to your at-call savings via internet or telephone banking or by contacting a consultant for immediate access.
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An introductory rate without any hidden catches!
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Many credit cards offer low balance transfer rates - but that's not the entire rate you actually end up paying because you're charged the full rate on any purchases you make.
Big Sky are offering a true introductory rate of 8.80%p.a. (variable) for 6 months on any balance, including balance transfers and new purchases on Big Sky's Visa Credit Card.
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Credit Card Calculator
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Credit Card Repayments Calculator
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Serviced by Big Sky Staff in Australia
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At Big Sky we believe in providing you the best service possible. And the best way to do that is with full service by Big Sky consultants who live and work in Australia. You may visit your local Service Centre and speak to a consultant in person or contact one of our friendly consultants on 1300 654 321...it's your choice!
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Download a Credit Card Application Form
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Please note that if you are requesting an additional card holder for a Credit Card, and they are not a current Big Sky Member they will need to provide 100 points of identification and fill out form below.
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100 Point Identification Form
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> back to top
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Related information
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Loan Calculators
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Overdraft
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terms & conditions and dispute resolution
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Normal lending criteria apply, interest rate is per annum and is variable. Terms and conditions apply for the Credit Card and Cash Rewards Program and are available on request. 11 February 2008
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