Woman shopping using her Classic Mastercard Credit Card

Classic Mastercard

Woman shopping using her Classic Mastercard Credit Card
Cover your ongoing expenses and get cashback rewards with our low interest rate, low annual fee Classic Mastercard.
6 Month Special Introductory Purchase Rate^ 6.99 % p.a.

Key features

Earn $4 for every $1,000 spent as cashback rewards*
55 days interest-free period on all purchases
Low annual fee - $49
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Classic Mastercard Annual Rate Comparison Rate
6 Month Special Introductory Purchase Rate 6.99% p.a. n/a
Standard Purchase Rate 11.99% p.a. 11.99% p.a.
Cash Advances 19.49% p.a. 19.49% p.a.
Fees
Annual Fees $49

Frequently Asked Questions

If you’ve lost your Visa Debit card, or had it stolen, you can let us know by:

1. Contacting our Fraud Department on 1300 705 750 (available 24/7)

2. BOS Internet Banking

  • Log on to BOS Internet Banking
  • Select the debit card
  • Click on ‘Card Options’
  • Select ‘Lost/Stolen’
  • Select reason from the drop down menu and click ‘Submit’
  • Authorise the card lost/stolen via mobile notification (SMS or push notification)
  • Your card has been closed

3. Contact us on 13 95 00 (Monday to Friday from 9:30am - 5:00pm AEST)

  • Select Option 4: ‘Card Inquiries’
  • Then, Select Option 1: ’Lost or Stolen Cards’

4. Visit one of our branches

 

You can easily activate your BOS MasterCard. Here’s how:

  1. Contact us on 13 95 00 (Monday to Friday from 9:30am - 5:00pm AEST)
    • Select Option 4: ‘Card Inquiries’
    • Then, select Option 3: ‘Credit Card Inquiries’
  2. Visit one of our branches

You have three tries to key in the correct PIN. After that, we protect your account by locking it until the next day. If you’d like a new PIN contact us via the below options:

  1. BOS Internet Banking
    • Log on to BOS Internet Banking
    • Select the debit card
    • Select ‘Card Options’
    • Select ‘Modify Card PIN’
    • Enter the new PIN and confirm the new PIN on the following section
    • Authorise the new PIN via mobile notification (SMS or push notification)
    • Your PIN has now changed

  2. Contact Bank of Sydney

  • Contact us on 13 95 00 (Monday to Friday from 9am - 5:00pm AEST)
  • Or visit one of our branches

 

 

  1. Direct Debit

You can set up a direct debit by choosing a Bank of Sydney or non-Bank of Sydney transaction account to be debited monthly. This direct debit runs on the 10th of every month. You can set a direct debit to repay the full closing balance, minimum payment or a fixed amount. Please allow three business days for payments to clear.

Set up a direct debit by sending us a secure message using the below methods:

  1. BOS Internet Banking
  • Log on to BOS Internet Banking
  • Select the envelope icon from the top
  • Select ‘New Message’
  • Write a short message requesting the set up of a direct debit including the below details:
  • Account name
  • BSB
  • Account number
  • Repayment method (Full closing balance, minimum payment or fixed amount
  •  Click ‘Send’
  • Authorise the secure message via mobile notification (SMS or push notification)
  • Once the secure message is sent, someone from our Cards Department will contact you to confirm completion of the direct debit set up

 b. If you don’t have Internet Banking

  • Contact us on 13 95 00 (Monday to Friday from 9:30am - 5:00pm AEST)
    1. Select Option 4: ‘Card Inquiries’
    2. Then, select Option 3: ’Credit Card Inquiries’

  c. Visit one of our branches

  2.  BPAY

  • Your Biller Code and Reference number are enclosed in your credit card statement
  • Allow three business days for payments to clear
  • Login to your Internet Banking and proceed with BPAY as payment option, you will need the biller code and reference number

  3.  Online

  4.  Internet Banking via ’Domestic Payments’

    • Account details are enclosed in the credit card statement.

  5.  Visit one of our branches to organise the credit card payment

All purchases and cash advances made through your credit card are limited to the available credit limit of your credit card account. You can check your credit limit via the below methods:

  1. BOS Internet Banking
    • Log on to BOS Internet Banking
    • Select the MasterCard
    • You will be able to view:
    • Available balance
    • Current balance
    • Minimum payment
    • Last statement balance

  2. Contact us on 13 95 00 (Monday to Friday from 9:30am - 5:00pm AEST)

  • Select Option 4: ‘Card Inquiries’
  • Then, select Option 3: ’Credit Card Inquiries’

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Online Banking

Access your money 24/7 via our secure and easy to use Mobile and Internet Banking.

We are here to help

Visit our friendly staff at one of our branches

Find a branch near you

Ask questions or give feedback via our online enquiry form.

Submit enquiry

Talk to one of our friendly staff Mon - Fri, 9am–5pm AEST.

Call 13 95 00

^After the 6-month Special Introductory Purchase Rate, rate reverts to the Standard Purchase Rate of 11.99% p.a.

*Minimum spend of $5,000 on eligible purchases annually and capped at $30,000

Credit Card applications available to new and existing Bank of Sydney Home Loan customers only, and are subject to credit approval.
Please take a moment to read through the below information before applying, as this advice is general and does not take into account specific individual needs.

Credit Card Key Fact Sheet

Terms & Conditions for Credit Cards

More information about our product and services is available here

Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.