Bank of Sydney Classic Credit Card

Bank of Sydney Classic Credit Card

Card features
balance transfer
purchase rate
annual fee
Bank of Sydney Classic Credit Card
Bank of Sydney Classic Credit Card
Save money with 0% p.a. for 6 months on balances transferred.
Earn $4 for every $1000 when you spend over $5,000 without expiry.
Secure shopping for your online payments.
Add to comparison
6 months
0% p.a.
then 11.99%
with a 0% fee
6 months
6.99% p.a.
then 11.99%

Pros & cons

What's good?

What's not so good?

At $49 p.a. this card’s annual fee could be lower, but is still very affordable.
0% p.a. for 6 months on balances transferred from another card. You can transfer up to 95% of credit limit.
The interest charged on balance transfers reverts to the 11.99% p.a. purchase rate as opposed to the 19.49% p.a. cash advance rate.
Standard interest rate on purchases is 11.99% p.a. This is extremely competitive.
Visa payWave enabled. Just tap your card to pay at the checkout.
Earn $4 for every $1000 when you spend over $5,000 without expiry.
Comes with Apple Pay.
While the introductory offer on purchases (6.99% p.a. for 6 months) is welcome, much more attractive offers are available on other cards.
Disclaimer: Reviews rely upon third party information that may not be correct or may be changed without Credit Card Compare’s knowledge. You must carefully consider your own circumstances before making any commitments and confirm all offers and terms with credit card providers before accepting them. Please refer to our T&Cs for more.

The basics

About this card

Card setup
Card tier
Card type
Card use
Credit rating
Gambling transactions allowed
Joint application
Minimum age
18 years old
Minimum income
Minimum income for pensioners
Rewards program
Temporary residents


Additional cardholders
Additional card fee
$0 p.a.

Credit limits

Minimum credit limit
Maximum credit limit


Interest charged from
Interest free period
Up to 55 days on purchases
Minimum repayment

Balance transfers

The offer

Interest ratePeriodFeeLimitRevert rate
Balance transfers0% p.a.6 months0%95% of credit limit11.99% p.a.

Balance transfers to this card

Balance transfer earns rewards
Balance transfer fee payment due
First statement
Balance transfer from personal loan
Balance transfer processing time
10 - 14 days
Interest free days with unpaid balance
0 days
Maximum balance transfer
95% of credit limit
Available to existing customers

Banks you can't balance transfer from

You can't balance transfer to the Bank of Sydney Classic Credit Card at the promotional balance transfer rate from:

  • Bank of Sydney

Rates & fees

Promotional interest rates

Interest ratePeriodFeeLimitRevert rate
Balance transfers0% p.a.6 months0%95% of credit limit 11.99% p.a.
Purchases6.99% p.a.6 monthsN/AN/A 11.99% p.a.

Ongoing interest rates

Cash advances 1.62% 19.49% p.a.
Purchases 1.00% 11.99% p.a.


Annual fee
$49 p.a.
Cash advance fee
Dishonour fee
Duplicate statement fee
Foreign exchange fee
Late payment fee
Over limit fee
Overseas ATM balance fee
Overseas ATM withdrawal fee
Overseas emergency card replacement fee
Transaction verification fee

Minimum criteria for this card

What you need before applying

Be over 18 years old
You are a resident or citizen of Australia
You have your personal details ready to complete the online application
Have not applied for multiple credit cards recently
Disclaimer: The minimum criteria are intended only to be a guide. Your application may still be rejected by the bank even if you can answer 'Yes' to all the minimum criteria. The final decision regarding your application is up to the bank.

Similar cards

More cards like this one

This card is listed in these comparisons

Protect your identity. Monitor your credit score for free.

Join more than 17,000 Australians and get your score today.
  1. Protect yourself from identity fraud
    Get alerted to large credit score drops.
  2. Know where you stand
    The banks know your score. Shouldn’t you too?
  3. Avoid a nasty surprise
    Before applying, check if your credit is good enough.
  4. Always with you
    Check online or download the app.
People are happy
Rated 4.8 out of 5 for customer satisfaction.
You may have seen us in
Compare these cards: