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Bank of Sydney Australia is a full-service retail bank that's been operating since 2001, with branches in Sydney, Melbourne and Adelaide. It has one credit card, the Bank of Sydney Platinum Mastercard, which offers cashback and competitive rates and fees.
Cards only available for select Bank of Sydney customers
Bank of Sydney credit cards are currently only available to new or existing home loan customers. If you don't meet these requirements, you can compare other credit cards on Finder.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
The Bank of Sydney Platinum Mastercard offers complimentary transport accident insurance for eligible overseas travel, as well as purchase protection insurance and extended warranty cover for eligible purchases. It also earns $8 cashback per $1,000 of eligible spending. It has a $129 annual fee and 18.49% p.a. purchase rate (outside of any promotions), which are both on par with other platinum rewards cards.
Bank of Sydney credit cards can be added to Apple Pay so you can make payments straight from your iPhone, iPad or Apple Watch.
Mastercard benefits
You can use a Bank of Sydney credit card with any business that accepts Mastercard, including over 200 countries and territories around the world. You'll also get access to travel, dining, shopping and entertainment offers through Mastercard Priceless.
Interest-free days
Similar to most other credit cards, BOS cards offer up to 55 days interest-free on purchases when you meet the repayment requirements listed on your statement.
Balance transfers
If you want to transfer a balance from an existing card held with another bank or brand, you can request a balance transfer with Bank of Sydney and get an introductory 0% p.a. balance transfer rate for the first 6 months. After the introductory period, any remaining balance will attract the card's purchase rate.
Account management features
You can check your balance, make payments and reset your PIN using Bank of Sydney's internet or mobile banking services. You can also put a temporary lock on your credit card by calling the bank on 13 95 00 or visiting a branch.
How to apply
Bank of Sydney credit cards are currently only available to new and existing home loan customers. If you have a home loan with Bank of Sydney, or are in the process of getting one, you can submit an enquiry for a credit card online. You could also call or visit a Bank of Sydney branch.
If you're eligible to apply, make sure you have the following documents and details on hand to complete the application:
Personal details. This includes your name, date of birth, mailing address, email address and phone number. You may also need to provide a valid form of ID, such as your driver's licence or passport./li>
Income details. You'll need to include details of your employment and income from all sources. You may be asked for recent payslips or other supporting documents, such as tax assessment notices from the Australian Taxation Office (ATO).
Liabilities and expenditure. If you have existing loans or credit cards, you’ll need to provide details on the application. This includes your Bank of Sydney home loan details. You also need to provide an estimate of your share of regular household spending.
If you have any questions about the application, you can contact Bank of Sydney by calling 13 95 00, using the online chat service or visiting a branch.
Credit card brands similar to Bank of Sydney
If you want a credit card from a bank that has branches in Sydney or offers platinum perks, here are 3 other credit card providers you could compare with Bank of Sydney:
The Bank of Sydney Platinum Mastercard has a minimum limit of $6,000. Your credit limit could be higher than this but is subject to lending criteria and assessment by the bank. You can also request a change to your credit limit at any time through internet banking or in a branch.
You can cancel your Bank of Sydney credit card account by calling 13 95 00 or visiting a branch. Just keep in mind that you will need to repay the entire balance before the account can be completely closed.
Contact details and related links
Bank of Sydney phone number: 13 95 00 9am-5pm Mon-Fri
Amy Bradney-George is the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 14 years’ experience as a journalist, with a particular focus on personal finance, and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald.
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