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Bendigo Bank

Bendigo Bank Credit Cards

Bendigo Bank offers credit cards across major categories including low rate, rewards, balance transfer, business and more.

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Bendigo Bank isn't one of the Big Four but it offers a similar suite of products and banking services. Available to customers Australia-wide, a Bendigo Bank credit card can offer rewards, a balance transfer, Qantas Points and more. They are also unique in the way that interest is calculated. While most credit cards charge interest from the date you make a purchase, Bendigo Bank charges it from the date your statement is issued – potentially saving you up to 50% on interest costs.

Bendigo Bank Credit Card Offer

Bendigo Bank Low Rate Credit Card

0% p.a. for 12 months on purchases
0% p.a on balance transfers for 12 months with 2% BT fee

Offer ends 31 October 2021

Eligibility criteria, terms and conditions, fees and charges apply

Bendigo Bank Credit Card Offer

This card offers 0% p.a. on purchases and balance transfers for the first 12 months, with a $45 annual fee.

  • 0% p.a. on purchases for 12 months (reverts to 11.99% p.a.)
  • 0% p.a. on balance transfers for 12 months with 2% BT fee, reverts to 11.99% p.a.
  • Purchase interest rate: 11.99% p.a. | Annual fee: $45 p.a.
  • Up to 55 days interest-free on purchases
  • Minimum credit limit: $500 | No additional cardholder fee
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Bendigo Bank Credit Card Comparison

Data updated regularly
Name Product Purchase rate Interest-free period Annual fee Balance transfer rate
Bendigo Bank Low Rate Credit Card
Bendigo Bank Low Rate Credit Card
0% p.a. for 12 months, reverts to 11.99% p.a.
Up to 55 days on purchases
$45
0% p.a. for 12 months with 2% balance transfer fee
Save with 0% p.a. interest on purchases and balance transfers for up to 12 months, with a one-time 2% balance transfer fee.
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More Info
Bendigo Bank Low Rate Platinum Credit Card
Bendigo Bank Low Rate Platinum Credit Card
11.99% p.a.
Up to 55 days on purchases
$89
0% p.a. for 6 months
Offers a low variable purchase interest rate of 11.99% p.a., complimentary insurance covers and 0% interest for 6 months on balance transfers
More Info
Bendigo Bank Low Rate First Credit Card
Bendigo Bank Low Rate First Credit Card
11.99% p.a.
Up to 55 days on purchases
$29
0% p.a. for 6 months
Exclusively for customers aged 18 to 25 years, this card lets you enjoy a 0% p.a. for 6 months balance transfer offer and a low variable interest rate on purchases.
More Info
Bendigo Bank Platinum Rewards Credit Card
Bendigo Bank Platinum Rewards Credit Card
19.99% p.a.
Up to 55 days on purchases
$89
0% p.a. for 6 months
Enjoy a competitive earn rate, complimentary travel and purchase insurance options for an annual fee of $89 with the Bendigo Bank Platinum Rewards card.
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Bendigo Bank Qantas Platinum Credit Card
Bendigo Bank Qantas Platinum Credit Card
19.99% p.a.
Up to 55 days on purchases
$149
0% p.a. for 6 months
Offers Qantas Points per $1, a 0% balance transfer offer, plus 180 days of comprehensive travel insurance and extended warranty on purchases.
More Info
Bendigo Bank Qantas Business Credit Card
Bendigo Bank Qantas Business Credit Card
19.99% p.a.
Up to 55 days on purchases
$89
Earn Qantas Points on eligible purchases and get access to domestic travel insurance and extended warranty on purchases.
More Info
Bendigo Bank Business Credit Card
Bendigo Bank Business Credit Card
13.99% p.a.
Up to 44 days on purchases
$48
A business card with flexible liability arrangements, competitive rates and gives you the ability to personalise your card.
More Info
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Types of Bendigo Bank credit cards

Depending on your needs, you could get a Bendigo Bank credit card that helps you save through low rates, including a card that's only available if you're aged 18 to 25. You can also look at Bendigo Bank credit cards that reward you for spending, offer platinum benefits and business options.

  • Low rate credit cards

Bendigo Bank low rate credit cards are designed to help you save on interest charges when you carry a balance. If you're after a straightforward card, the Bendigo Bank Low Rate Credit Card offers an interest rate of 11.99% p.a. (variable) on purchases. There's also a Bendigo Bank Low Rate Platinum Credit Card that comes with complimentary insurance covers and the Bendigo Bank Low Rate First Credit Card that's available exclusively to people aged 18 to 25.

  • Rewards credit cards

If you want to earn rewards points through your credit card, the Bendigo Bank Platinum Rewards Credit Card offers 1.5 points per $1 spent on eligible purchases, with no points cap. You can redeem your points for gift cards, homewares, travel accessories, tech gadgets and more through the Bendigo Bank Rewards store.

  • Frequent flyer credit cards

The Bendigo Bank Qantas Platinum Credit Card is a frequent flyer credit card that earns 0.6 Qantas Points per $1 spent (capped at 20,000 points per month). It also offers complimentary insurance and up to 55 days interest-free on purchases.

  • Platinum credit cards

If you’re looking for a credit card that comes with a bunch of extra benefits, consider getting a platinum credit card. Bendigo Bank offers three different platinum options for you to choose from: the Low Rate Platinum, the Platinum Rewards and the Qantas Platinum. All three cards offer complimentary purchase insurance covers. The Platinum Rewards and Qantas Platinum also offer complimentary overseas travel insurance, while the Low Rate Platinum offers smartphone and tablet insurance.

  • Business credit cards

The Bendigo Bank Business Credit Card is designed to help you manage your business expenses. With this account, you can take advantage of global acceptance, multiple cards with individual credit limits linked to a single account and compatibility with accounting software such as MYOB.

Benefits of banking with Bendigo Bank

Here are some of the features and services you'll get access to with a Bendigo Bank credit card:

  • Interest savings

Bendigo Bank calculates credit card interest from the statement date instead of the date you made each purchase. This means you can enjoy interest-free days even if you carry a balance. Plus, any amount you pay off by the due date on your statement won't be charged interest. In comparison, most other credit cards charge interest from the date you make a purchase and won't offer you interest-free days when you carry a balance.

  • Access funds easily

You can use your card online, over the phone or in-person all around the world, anywhere Mastercard is accepted. You can also enjoy contactless payments at the checkout, with no need to enter a PIN if the transaction is under $100.

  • Rewards

Through the Bendigo Bank Rewards program, you can collect points for your spending and then redeem them for rewards from categories like gifts, home, technology, kids, and more. Meanwhile, if you're a frequent flyer, you could enjoy earning Qantas Points for your eligible spending on the Bendigo Bank Qantas Platinum Credit Card.

  • Complimentary insurances

Bendigo Bank platinum credit cards offer a range of complimentary insurance covers, with options including complimentary overseas travel insurance, purchase protection insurance, extended warranty insurance, best price guarantees and mobile device insurance.

  • Digital payments and contactless payments

You can link your Bendigo Bank credit card with Apple Pay, Samsung Pay, Google Pay, Fitbit Pay or Garmin Pay to make contactless payments using your qualifying device at the checkout.

How can I apply for a Bendigo Bank credit card?

If you've compared your options and decided to apply for a Bendigo Bank credit card, you can submit an online application, apply over the phone or submit your application to a Bendigo Branch. Before you apply, though, make sure you've met the following eligibility requirements and organised the necessary documents:

Eligibility criteria

  • You must be at least 18 years of age
  • Permanent Australian residents and Australian citizens are eligible to apply. Temporary residents are eligible to apply as long as you have a 188, 457 or 489 visa, have applied for permanent residency and have at least 12 months remaining on the visa.
  • You must not be bankrupt or insolvent

Required documents/information

  • Your complete name, date of birth, marital status, and number of dependents
  • Include your employer’s name and contact details
  • Details about your income, expenditure, assets, and liabilities

What happens after I have applied?

The time period Bendigo Bank takes to assess credit card applications can vary from one application to the next, depending on whether they have all of the information they need. A bank representative may contact you if they require further information. If you are approved, you should receive your new card between five to 10 business days.

From low rate cards and rewards cards to business cards, you can compare a variety of credit card options through Bendigo Bank. However, as many other companies offer similar products, it's important to compare your options before applying.

Frequently asked questions

More guides on Finder

  • Bendigo Bank Qantas Business Credit Card

    Earn Qantas Points on eligible spending and get access to Qantas Business Rewards offers and discounts with the Bendigo Bank Qantas Business Credit Card.
  • Bendigo Bank Low Rate Platinum

    The Bendigo Bank Low Rate Platinum Credit Card offers a competitive purchase rate of 11.99% p.a. alongside premium perks, including complimentary smartphone and tablet insurance cover.
  • Bendigo Bank Low Rate Credit Card

    Right now, the Bendigo Bank Low Rate Credit Card offers 0% interest in purchases and balance transfers for up to 12 months. But what about its others features?
  • Bendigo Bank Low Rate First Credit Card

    Available exclusively to people aged 18 to 25, the Bendigo Bank Low Rate First Credit Card offers low-cost convenience with an interest rate of 11.99% p.a. for purchases and an annual fee of $29.
  • Bendigo Bank Qantas Platinum Credit Card

    Collect Qantas Points per $1 spent and save with complimentary insurance covers with the Bendigo Bank Qantas Platinum Credit Card.
  • Bendigo Bank Rewards

    Earn points for your spending on a Bendigo Bank Rewards credit card redeem them for anything from travel packages and gift cards to the latest tech gadgets.

  • Bendigo Bank Business Credit Card

    Save on credit card costs with a low purchase rate and up to 44 days interest free with the Bendigo Bank Business Credit Card.
  • Bendigo Bank Platinum Rewards Credit Card

    Enjoy a competitive earn rate, complimentary travel and purchase insurance options and an annual fee of $89 with the Bendigo Bank Platinum Rewards card.

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36 Responses

    Default Gravatar
    DeeMay 4, 2018

    I recently completed a survey from Bendigo Bank and a question was asked re a Travel Card (which received a positive response from what appeared to be 99.99% of the participants)!!!
    My question is when will Bendigo Bank be producing these cards?
    I am leaving on 14th August so I am hopeful it will be before I leave. Can you advise please?

    Reply
      Avatarfinder Customer Care
      JeniMay 4, 2018Staff

      Hi Dee,

      Thank you for getting in touch with Finder.

      I’m afraid, we don’t have any update yet about Bendigo Bank’s travel card. I suggest that you contact Bendigo Bank directly regarding this new card.

      If you have time to look around, you may want to check our list of travel money cards that you can use abroad. On the page is a comparison table you can use to see which card suits you.

      I hope this helps.

      Have a great day!

      Cheers,
      Jeni

      Reply
    Default Gravatar
    JamieFebruary 1, 2016

    Does bendigo offer over draft account loans

    Reply
      Avatarfinder Customer Care
      JonathanFebruary 3, 2016Staff

      Hi Jamie, thanks for your inquiry!

      Please refer to the link I have sent to your email address for Bendigo Bank’s Overdraft Facility.

      Cheers,

      Jonathan

      Reply
    Default Gravatar
    BrittanyFebruary 27, 2015

    hi im on Centrelink payments would I be able to get a loan so I can buy a car? if not can you have someone like my father goes guarantor

    Reply
      Avatarfinder Customer Care
      JonathanFebruary 27, 2015Staff

      Hi Brittany,

      Thanks for your inquiry.

      You may be eligible for a car loan while receiving Centrelink benefits. A lender will look at how much you earn from your Centrelink payments or other income, then compare it to the repayment amounts. It might be a good idea to look at buying a used car rather than a new one.
      If you only need to borrow a smaller amount, such as under $3,000, you can also compare lenders who offer loans to Centrelink recipients and other government and community assistance programs that you can apply.

      Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you.

      Cheers,
      Jonathan

      Reply
    Default Gravatar
    danielJanuary 25, 2015

    Hi im on single parenting payments with family tax benefits part A & part B totalling $1490p/f that’s about nearly $36000p/a with expenses of $1880 monthly am I eligible to make a loan for a house as a first home buyer using my regular pension and my family tax benefit as my proof of income to approve a loan?

    I have read online that Bendigo Bank generally accepts centerlink benefits as a source of income on a case by case basis, how much is the interest rate for personal or home loans?

    I would like to borrow about %150,000-$200,000 as a first home buyers loan for a home which is 15km from Scottsdale north east Tasmania in south springfield its a rural 3 bedroom home on a 1080metre squared block of level land.

    Reply
      Avatarfinder Customer Care
      JonathanJanuary 28, 2015Staff

      Hi Daniel,

      Thanks for your inquiry.

      Please refer to Latest home loan offers for home loans, repayment calculator and the different lenders. The interest rate varies depending on the lender.

      I hope this helps.

      Cheers,

      Jonathan

      Reply
    Default Gravatar
    suzanneJanuary 22, 2015

    Im on a disability pension would I be able to get a small loan from my bank an pay back each fortnight

    Reply
      Avatarfinder Customer Care
      JonathanJanuary 22, 2015Staff

      Hi Suzanne,

      Thanks for your inquiry,

      While disability support pension is generally accepted, some lenders will not accept this as a form of income. You can check our Centrelink loan options page to know which lender may consider you for a small loan.

      On that page, there’s also a table that lists possible lenders. You can click the name of the lender to be redirected to our review page and learn more about the lender’s loan offer, rates, and requirements as well as the pros and cons of using their loan service. When you are ready, you may then click on the “Go to site” button if available and you will be redirected to the lender’s website where you can proceed with the application or get in touch with their representatives for further inquiries you may have.

      Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions.

      I hope this helps!

      Cheers,

      Jonathan

      Reply
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