Bank of Sydney Classic Credit Card

Bank of Sydney Classic Credit Card

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My annual fee: 
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Card features
balance transfer
purchase rate
annual fee
Money saved
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%
saved over 6 months
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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:

    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.

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    Rated 4.8 out of 5 for customer satisfaction.
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