Bendigo Bank Just Business MasterCard Review

Information verified correct on December 9th, 2016

Get better control over financial management, promote your business by personalising your credit card and get interest-free days on purchases

Bendigo Bank’s Just Business MasterCard offers up to 44 interest-free days on purchases, and it comes with both the business name and the individual name embossed on the card.

You can get multiple cards linked to a primary account and you have the ability to allocate different limits to each card. You also get multiple liability options from which to choose.

Product NameBendigo Bank Just Business MasterCard Credit Card
Purchase rate (p.a.)13.99% p.a.
Annual fee$48 p.a.
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
Up to 44 days on purchases
Cash advance rate (p.a.)13.99% p.a.
Minimum Monthly Repayment3% or $10, whichever is greater
Card TypeMasterCard
Complimentary Travel Insurance Cover0 months
Available To Temporary ResidentsNo
Minimum Age18 years of age
Available to Temporary ResidentsNo
Credit Rating Requirement
Credit rating requirement is provided only as a guide. Understanding your credit file helps you make more informed decisions in regards to your finances. Learn more about what this means here.
Good
Annual Fee$48 p.a.
Minimum Repayment3% or $10, whichever is greater
Phone BankingYes
Internet Banking TransfersYes

Bendigo Bank Just Business MasterCard review

Businesses looking at streamlining their expenses can benefit by getting the Bendigo Bank Just Business MasterCard that allows multiple cardholders under a single umbrella. As the primary account holder you can assign individual spending limits, and you get a consolidated statement as well as itemised addendums. If you pay the account’s closing balance in its entirety every billing cycle, you can receive up to 44 interest-free days on purchases.

Benefits of Bendigo Bank Just Business MasterCard

  • Low purchase rate. If you don’t plan to pay the account’s balance in full each month, you can benefit from this card’s low ongoing rate of 13.99% p.a.
  • Increased financial control. In addition to being able to assign individual credit limits, you have the ability to grant ATM access to particular cardholders. You get consolidated statements that detail all transactions, and you also get itemised addendums for every cardholder. Uploading transactional details to accounting software like MYOB is also easy.
  • Flexible liability arrangements. Business with company structures can opt for company liability, where Bendigo Bank assesses the business for the credit facility, and the business accepts liability for all transactions. Individual liability is for employees of businesses and sole traders, where Bendigo Bank assesses the individuals in question and they accept liability for all transactions they make using their individual cards. Joint and several liability comes into play with partnerships, where all partners have to accept joint and several liability for all transactions.
  • Personalise your card. This service gives you the ability to promote your card every time a cardholder uses it, and apart from the embossed name of your business, you can get your card to carry your business logo or any other image that represents it best.

Bendigo Bank Just Business MasterCard features

  • Monthly fee. You have to pay a nominal monthly fee of $4 for each card.
  • Interest-free days. Pay your balance back in full each statement period and you can get as many as 44 interest-free days on purchases.
  • Global access to funds. Owing to the MasterCard affiliation, cardholders can use their cards just about anywhere in the world, at EFTPOS terminals and at ATMs. They can also use their cards for online and phone transactions.
  • MasterCard Global Service. Cardholders can access emergency services the world over using the MasterCard Global Service.
  • MasterCard PayPass. The Just Business MasterCard makes use of PayPass technology, and this allows cardholders to make contactless purchases of under $100 at any merchant that displays the PayPass sign.
  • Card security. The Just Business MasterCard is microchip enabled, making for easy payments and protecting you each time you spend.Back to top

How to apply for the Bendigo Bank Just Business MasterCard

You can apply for the Bendigo Bank Just Business MasterCard by visiting any Bendigo Bank branch, or you can initiate the process over the phone. Bear in mind you have to meet certain eligibility criteria, which are as follows:

Application Criteria

  • The registration of your business is in Australia
  • Applicants meet required credit criteria according to the chosen type of liability arrangement

The application requires that you submit a variety of information, which comprises the following:

  • Registration details of your business
  • Name, phone number and address of your business
  • Your business' financial details

The Just Business MasterCard Credit Card gives you an easy way of monitoring and regulating business expenses, but given that other business credit cards offer similar features, it’s best that you compare a few before applying.

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2 Responses to Bendigo Bank Just Business MasterCard Review

  1. Default Gravatar
    peter | March 10, 2016

    does this card link to any frequent flyer programs

    • Staff
      Debbie | March 10, 2016

      Hi Peter,

      Thanks for your inquiry.

      Unfortunately, there is no rewards program attached to Bendigo Bank Just Business MasterCard.

      For other options, you may check our comparison page for frequent flyer credit cards.

      I hope this helps.

      Cheers,
      Debbie

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