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Bendigo Bank Business Credit Mastercard

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Better manage your business expenses and save with a low purchase interest rate.

Bendigo Bank’s Business Credit Mastercard offers a 13.99% p.a. interest rate on purchases and you can link additional cards to the account to manage employee spending.

13.99% p.a.

Purchase rate

$48 p.a.

Annual fee

44 days

Interest free period


Product NameBendigo Bank Business Credit Mastercard
Balance transfer revert rateCash Advance Rate (13.99% p.a.)
Purchase rate13.99% p.a.
Annual fee$48
Interest-free period44 days
Cash advance rate13.99% p.a.
Card typeMastercard
Foreign currency conversion fee3%
Available to temporary residentsNo
Joint applicationNo


  • Low annual fee of $48 (Monthly fee of $4.00 per card)
  • 13.99% p.a. on purchases and cash advances


  • Charges a 3% foreign transaction fee
Bonus pointsN/A
Annual fee$48
Minimum monthly repayment3% of the closing balance or $10, whichever is greater
Late payment fee$15
Foreign currency conversion fee3%

Expert review

Sally McMullen

Review by

Sally McMullen is a creative content producer at Finder, co-hosts our Pocket Money podcast and wrote about credit cards for almost five years. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone. She has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.

Expert review

The Bendigo Bank Business Credit Mastercard is suited to small and medium sized Austrlaian businesses that want a no-frills car to manage their expenses.

Like many business cards, you can request multiple cardholders and set individual credit limits per card. This card charges a lower purchase interest rate than most business credit cards, which could help cut your business costs if you regularly carry a balance from month to month.

How to apply

You can apply for this card by making an online enquiry or requesting to speak to a business specialist through the Bendigo Bank website. You can also visit a Bendigo Bank branch to apply. Make sure that you check the eligibility criteria and have the necessary information before you get started.

Eligibility criteria

  • Business details. You'll need to confirm your business name and provide your ABN or ACN.
  • Credit criteria. You'll need to confirm that you can meet the credit criteria according to the chosen type of liability arrangement.

Card benefits

  • Low purchase rate. With a competitive variable purchase interest rate of 13.99% p.a., your business could save on interest costs if you don't pay your balance in full by the statement due date.
  • Additional cardholders. You can easily manage your employees' spending by linking additional cards to the account. You can set up each card with individual credit limits and grant ATM access to particular cardholders.

Rates & fees

  • Annual fee. You'll be charged an annual fee of $48 p.a., charged at $4 per month, per card.
  • Cash advances. When the card is used to make cash advances, such as ATM withdrawals, you'll collect the 13.99% p.a. interest rate.

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  1. Default Gravatar
    August 28, 2017

    Can i get a credit card

    • Avatarfinder Customer Care
      August 28, 2017

      Hi Dean,

      Thank you for your inquiry.

      You can apply for this card as long as you can meet the following criteria.

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

      Additionally, you can check your options here.

      I hope this information has helped.


  2. Default Gravatar
    March 10, 2016

    does this card link to any frequent flyer programs

    • Avatarfinder Customer Care
      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.


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