7.8 / 10

based on 44 reviews as rated by Mozo community

Bank of Sydney credit cards

Bank of Sydney credit cards offer a range of packages for different needs. And this year, this provider snagged a 2020 Mozo Experts Choice Award for best Premium Rewards Credit Card. Check out our range of credit cards for an overview of interest rates, fees and more. Or you can compare with our credit card comparison tools.

What credit cards do Bank of Sydney offer?

Rates and fees verified as correct at 18 January, 2021. Other information correct at the time of writing. Advertiser disclosure.

Low rate credit cards

Product Purchase rate Balance transfer rate Annual fees Interest free days on purchases

6.99% p.a. for 6 months then 11.99% p.a.

0% p.a. for 6 months and then 11.99% p.a.

$49

55

Low fee credit cards

Product Purchase rate Balance transfer rate Annual fees Interest free days on purchases

6.99% p.a. for 6 months then 11.99% p.a.

0% p.a. for 6 months and then 11.99% p.a.

$49

55

Rewards credit cards

Product Points per dollar Purchase rate Balance transfer rate Annual fees

1 point per dollar on Mastercard, up to $30,000 per year

6.99% p.a. for 6 months then 11.99% p.a.

0% p.a. for 6 months and then 11.99% p.a.

$49

1 point per dollar on Mastercard, uncapped

6.99% p.a. for 6 months then 18.49% p.a.

0% p.a. for 6 months and then 18.49% p.a.

$129

Prestige cards

Product Points per dollar Purchase rate Balance transfer rate Annual fees

1 point per dollar on Mastercard, uncapped

6.99% p.a. for 6 months then 18.49% p.a.

0% p.a. for 6 months and then 18.49% p.a.

$129

**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.

How are Bank of Sydney credit cards rated?

Mozo users have rated Bank of Sydney credit cards on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of credit-cards
Bank of Sydney credit cards
Overall
8.6/10
Price
Features
Customer service
Convenience
Trust

8 Reviews

Recent Bank of Sydney credit card reviews

Bank of Sydney Credit Card review
Overall 10/10
lovely lovely

need a phone

Read full review

need a phone

Price
10/10
Features
10/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Samantha, New South Wales, reviewed over 5 years ago
Bank of Sydney Credit Card review
Overall 8/10
Good

it the Best

Read full review

it the Best

Price
8/10
Features
8/10
Customer service
8/10
Convenience
8/10
Trust
10/10
Less
Suq, New South Wales, reviewed over 5 years ago
Bank of Sydney Credit Card review
Overall 10/10
Great customer service

Because they are very friendly, they offer a lot better .

Read full review

Because they are very friendly, they offer a lot better .

Price
10/10
Features
10/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Latifa, Western Australia, reviewed over 5 years ago
Bank of Sydney Credit Card review
Overall 9/10
best

Very good

Read full review

Very good

Price
5/10
Features
9/10
Customer service
7/10
Convenience
7/10
Trust
8/10
Less
Sushila, New South Wales, reviewed over 5 years ago
Bank of Sydney Credit Card review
Overall 6/10
Not too bad - better than Westpac

Standard care -little more personal than a standard bank.

Read full review

Standard care -little more personal than a standard bank.

Price
3/10
Features
5/10
Customer service
7/10
Convenience
5/10
Trust
7/10
Less
Steven, Queensland, reviewed almost 6 years ago

What do you need to apply for a Bank of Sydney credit card?

  • Personal details for each applicant (if necessary)
  • Contact details including a valid email address
  • Proof of salary (i.e. payslips) and evidence of other income including government payments and rental income
  • Statements for any liabilities including credit cards or other existing loans
  • A copy of your council rates notice
  • A copy of your driver's licence or passport
  • Home loan statements (if you’re refinancing)

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