Bank of Sydney Classic Credit Card

Bank of Sydney Classic Credit Card

Offer
Card features
balance transfer
purchase rate
annual fee
Apply
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%
$49
ongoing

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
Single
Card tier
Standard
Card type
Visa
Card use
Personal
Credit rating
N/A
Gambling transactions allowed
No
Joint application
N/A
Minimum age
18 years old
Minimum income
N/A
Minimum income for pensioners
N/A
Pensioners
N/A
Rewards program
None
Temporary residents
N/A

Cardholders

Additional cardholders
1
Additional card fee
$0 p.a.

Credit limits

Minimum credit limit
$500
Maximum credit limit
$30,000

Repayments

Interest charged from
N/A
Interest free period
Up to 55 days on purchases
Minimum repayment
2%

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
No
Balance transfer fee payment due
First statement
Balance transfer from personal loan
No
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
No

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

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

Fees

Annual fee
$49 p.a.
Cash advance fee
N/A
Dishonour fee
$10
Duplicate statement fee
$10
Foreign exchange fee
3%
Late payment fee
$10
Over limit fee
$-
Overseas ATM balance fee
$5
Overseas ATM withdrawal fee
$5
Overseas emergency card replacement fee
$50
Transaction verification fee
N/A

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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