Bendigo Bank Rewards

The Bendigo Bank Rewards program lets you earn and redeem points on your everyday spending with a Bendigo Bank Platinum Rewards Credit Card. You can also check your reward point balance in real-time, search rewards and then redeem them online. Reward options include a wide range of merchandise, gift vouchers, cashback and charitable donations. The program’s Points Plus Pay option also allows you to make up for any points shortfall with cash.

Find out which other Bendigo Bank credit cards offer rewards

How does the Bendigo Bank credit card rewards program work?

You get complimentary membership to this rewards program when you sign up for the Bendigo Bank Platinum Rewards Credit Card. Only personal account holders can be members of the Bendigo Bank Rewards program, and membership is set up when you activate your card. You’ll then earn points for spending on your credit card account, which can later be redeemed for a variety of rewards.

Earning Bendigo Bank rewards points

The Bendigo Bank Platinum Rewards Credit Card offers 1.5 points per $1 spent on eligible transactions. While most purchases qualify as eligible transactions, some transactions will not earn points. These include cash advances, foreign exchange purchases, credit card fees and charges and bill payments made using BPAY.

How to earn more points with a Bendigo Bank credit card

Here is a list of ways to boost your points balance with a Bendigo Bank Rewards credit card.

• Special offers. Bendigo Bank Rewards may provide promotions and special offers periodically which allow members to earn additional points. For example, the bank might reward you for taking out a home loan during a specific qualifying period. You can check for these offers on the Promotions page of the Bendigo Bank Rewards website.
• Additional cardholders. You can request an additional cardholder for free, which can boost your points earning capability on the account.

Using Bendigo Bank Rewards points

These are some of the different rewards you can get through this program. In most instances, you may use purely points or a combination of Points Plus Pay, as long as you pay with more than 25% of the required points.

• Travel. You may redeem your points for travel accessories including luggage, backpacks, travel adaptors and travel pillows.
• Gift cards. Using points only, you may redeem gift cards for shopping at Big W, Bunnings, Coles, Dymocks, Flight Centre, iTunes and more.
• Homeware. The homeware category offers items from grill pans and coffee machines to candles and duvets.
• Technology. Technology gadgets include a host of products including headphones, iPhones, iPads, iPods, iMacs and more.
• Kids items. The kids category offers both large and small toy items, and recreational gear such as bikes.
• Health and lifestyle. Shopping under the “Be Active” and “Be Pampered” categories on the program website gives you access to health and lifestyle products from massagers to perfumes, dress watches to electric shavers.
• Charity donations. If you’re feeling charitable, you may also give your points away to select charities including the RSPCA or Medical Research Appeal Mothers & Babies.

How to compare Bendigo Bank Rewards credit cards

If you're thinking of getting a Bendigo Bank Rewards credit card, it's important to compare your options first. This will help you to apply for the card that best suits your needs and financial situation. When narrowing down your options, you can consider the following factors:

• Earn rate. The earn rate for a card determines how quickly you’ll be making those rewards redemptions. In this case, the Bendigo Bank Platinum Rewards Credit Card has an earn rate of 1.5 points per $1 spent, which is competitive to other cards on the market.
• Points cap. While other credit cards may limit the number of points you can earn, the Bendigo Bank Platinum Reward does not have a points cap.
• Bonus points offers. Many reward credit cards offer introductory bonus points when you sign up and meet the spending requirements. These promotions change all the time, so make sure you check to see what offers are available and consider how much value you'd get from one when you apply.
• Annual fee. The annual fee represents the major administrative cost of your credit card, and you should compare this against the value of potential benefits from rewards. For example, the Bendigo Bank Platinum Rewards has an annual fee of $89. In comparison, some other platinum reward cards have annual fees over $100.
• Promotional interest rates. Promotional interest rates can help you save money on charges when you first get a credit card. Similar to bonus point offers, these deals change all the time. Check what options are available when you want to apply for a card and remember to always look at the standard purchase rate as well.
• Ongoing interest rates. This is the prevailing rate charged for balances on your card on an ongoing basis or once a promotional period is over. The Bendigo Bank Platinum Rewards Credit Card has an ongoing variable purchase rate of 19.99% p.a. and a cash advance interest rate of 21.99% p.a. (variable).
• Interest-free days. The Bendigo Platinum Rewards credit card offers up to 55 interest-free days on purchases. This feature is available from the start of each statement period and allows you to save money on interest charges for your purchases. Because Bendigo Bank calculates interest from the statement date (instead of the date the purchase is made), you can get interest-free days even if you carry a balance. In comparison, most other credit card providers only offer interest-free days if you pay your balance in full by the statement due date.
• Complimentary extras. Extra features and perks can help offset the cost of the card you choose. In this case, the Bendigo Bank Platinum Rewards Credit Card offers complimentary extras including international travel insurance and purchase insurances.

Compare Bendigo Bank credit cards

• Bendigo Bank Credit Cards
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Name	Product	Purchase rate	Interest-free period	Annual fee	Balance transfer rate
Bendigo Bank Low Rate Credit Card		0% for 15 months, reverts to 11.99% p.a.	Up to 55 days on purchases	$45	13.99% p.a.	Get 0% p.a. interest on purchases for 15 months and a $150 Woolworths Supermarket gift card when you spend $1,000 in the first 90 days.	Go to site More Info	Compare	loading Fetching your data...
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	Compare	loading Fetching your data...
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	Compare	loading Fetching your data...
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.	More Info	Compare	loading Fetching your data...
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	Compare	loading Fetching your data...
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	Compare	loading Fetching your data...
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	Compare	loading Fetching your data...

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Sort: Bonus points (high-low) Bonus points (low-high) Rewards program (high-low) Rewards program (low-high) Rewards points per $ spent (high-low) Rewards points per $ spent (low-high) Purchase rate (high-low) Purchase rate (low-high) Annual fee (high-low) Annual fee (low-high)

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Name	Product	Bonus points	Rewards program	Rewards points per $ spent	Purchase rate	Annual fee
Qantas American Express Premium Card		100,000	Qantas Frequent Flyer	1	20.74% p.a.	$249	Enjoy 100,000 bonus Qantas Points, 50 bonus Status Credits and 2 complimentary Qantas Club lounge invitations per year. Ends 4 November 2020.	Go to site More Info	Compare	loading Fetching your data...
NAB Qantas Rewards Signature Card Finder Award		130,000	Qantas Frequent Flyer	1	19.99% p.a.	$295 annual fee for the first year ($395 p.a. thereafter)	Collect up to 130,000 bonus Qantas Points (100k when you spend $3,000 in the first 60 days and 30k after 12 months). Plus, 75 bonus Status Credits.	Go to site More Info	Compare	loading Fetching your data...
Qantas Premier Platinum		100,000	Qantas Frequent Flyer	1	19.99% p.a.	$199 annual fee for the first year ($299 p.a. thereafter)	Get 100,000 bonus Qantas Points, 75 bonus Status Credits and a 0% p.a. balance transfer rate for 18 months (with a one-time 1% BT fee).	Go to site More Info	Compare	loading Fetching your data...
ANZ Frequent Flyer Black		120,000	Qantas Frequent Flyer	1	20.24% p.a.	$425	Collect 120,000 bonus Qantas Points and $200 back when you spend $3,000 in the first 3 months. Plus, complimentary lounge passes.	Go to site More Info	Compare	loading Fetching your data...
Citi Rewards Card - Flybuys Offer		75,000	flybuys,Citi Rewards Program	1	21.49% p.a.	$49 annual fee for the first year ($149 p.a. thereafter)	Receive 75,000 bonus Flybuys points and a $100 Kmart eGift Card when you meet the spend requirement. Plus, a reduced first-year annual fee.	Go to site More Info	Compare	loading Fetching your data...
Westpac Altitude Platinum Qantas		60,000	Qantas Frequent Flyer	0.5	20.49% p.a.	$99 annual fee for the first year ($200 p.a. thereafter)	Get 60,000 bonus Qantas Points when you spend $3,000 within 90 days. Plus, a first-year annual fee discount and a long-term balance transfer offer.	Go to site More Info	Compare	loading Fetching your data...
Citi Rewards Card - $500 Voucher Offer		N/A	Citi Rewards Program	1	21.49% p.a.	$99 annual fee for the first year ($199 p.a. thereafter)	Get a $500 e-voucher to spend at Myer, JB Hi-Fi or Coles when you spend $3,000 in the first 90 days. Plus, earn points with the Citi Rewards Program.	Go to site More Info	Compare	loading Fetching your data...
Suncorp Clear Options Platinum Credit Card		100,000	Suncorp Bank Rewards Program	1.25	20.74% p.a.	$129	Earn 100,000 bonus points when you spend $3,000 in the first 90 days. Plus, complimentary insurance covers included.	Go to site More Info	Compare	loading Fetching your data...
Virgin Australia Velocity Flyer Card - Balance Transfer Offer		30,000	Velocity Frequent Flyer	0.66	20.74% p.a.	$64 annual fee for the first year ($129 p.a. thereafter)	Get 0% p.a. for 22 months on balance transfers and a reduced first-year annual fee. Plus, earn up to 30,000 bonus Velocity Points.	Go to site More Info	Compare	loading Fetching your data...
American Express Qantas Business Rewards Card		120,000	Qantas Business Rewards	1.25	N/A	$450	ABN holders w/ $75,000 revenue. Get 120,000 bonus points, 3x points on eligible Qantas flights & 2 lounge passes per year. Ends 4 November 2020.	Go to site More Info	Compare	loading Fetching your data...
St.George Amplify Platinum - Qantas		70,000	Qantas Frequent Flyer	0.5	19.74% p.a.	$99	Earn 70,000 bonus Qantas Points, plus enjoy 0% p.a. on balance transfers for 15 months and complimentary insurance covers.	Go to site More Info	Compare	loading Fetching your data...
Citi Rewards Card - Exclusive Offer		N/A	Citi Rewards Program	1	21.49% p.a.	$49 annual fee for the first year ($149 p.a. thereafter)	Finder Exclusive Save on interest with 0% p.a. on balance transfers for 30 months with no balance transfer fee. Plus, a $49 first-year annual fee and Citi Rewards.	Go to site More Info	Compare	loading Fetching your data...
HSBC Platinum Qantas Credit Card		20,000	Qantas Frequent Flyer	1	19.99% p.a.	$99	Receive 20,000 bonus Qantas Points and a long-term balance transfer offer. Plus, complimentary travel insurance.	Go to site More Info	Compare	loading Fetching your data...
Coles Rewards Mastercard		N/A		2	19.99% p.a.	$0 annual fee for the first year ($99 p.a. thereafter)	Enjoy $100 off a Coles Supermarket shop and a $0 first-year annual fee. Plus, 0% p.a. on balance transfers for 18 months (1.5% fee applies).	Go to site More Info	Compare	loading Fetching your data...
Bank of Melbourne Amplify Platinum - Qantas		70,000	Qantas Frequent Flyer	0.5	19.74% p.a.	$99	Receive 70,000 bonus Qantas Points when you spend $1,500 each month for the first 3 months and earn up to 0.5 Qantas Points per $1 spent.	Go to site More Info	Compare	loading Fetching your data...

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Mistakes to avoid with a Bendigo Bank Rewards credit card

• Overspending. The promise of earning points per dollar spent could tempt you to spend. Remember that you have to repay everything you charge and any interest accrued could easily offset the value of your reward points.
• Carrying a balance. Rewards credit cards often have high interest rates and failing to pay your monthly balance in full could result in unmanageable debt. Always do your best to pay your card in full, otherwise, the interest costs could easily outweigh the benefits of the points.
• Not considering the standard features. While you might be attracted to the Bendigo Rewards program, don't forget to consider the standard features of the card. Consider the annual fee, purchase rate and any other extra features to ensure the card is right for you.
• Making new purchases when you have transferred a balance. While purchases will earn you points on a rewards card, they’ll also add to your existing debt and interest charges.
• Not using other complimentary extras. Even though they are termed “complimentary”, these extra perks have all been factored into the price of your card. Cards with more complimentary extras come with higher annual fees, so you should avoid those unless you actually make use of all their perks.
• Making cash advance transactions. Cash advances made on your credit card incur cash advance fees and immediately accrue interest at the higher cash advance rate. Avoid withdrawing money on your credit card except in emergencies and avoid transactions that constitute cash advances such as certain bills and government payments, gambling transactions or the purchase of gift cards and prepaid cards.

How to apply for a Bendigo Bank Rewards credit card

1. Compare your options. Research all the different credit cards on the market and read our finder.com.au card reviews before deciding which card to apply for.
2. Read the fine print. Read the card’s product disclosure statement and small print, and get acquainted with all the terms and conditions of your chosen card. Make sure that you also meet all of the card’s listed eligibility criteria.
3. Apply online. When you’re ready, head over to the Bendigo card page of your choice and click “Apply now”.
4. Fill out the online form. The form asks for your requested credit limit at the outset, followed by your financial details, then your regular personal details. Have the relevant information ready pertaining to employment, earnings and expenses, assets and liabilities so as to speed up the process. You will finally be asked to submit documentation for identity verification purposes and to authorise the customary credit check.
5. Submit the application. Once you’ve submitted your card application, you will receive confirmation about whether or not you have been conditionally approved, and further instructions about what to do to advance your application.

Depending on your spending habits, lifestyle and rewards earning preferences, the Bendigo Bank Rewards program may be a suitable fit for you. Remember though to compare your options and to weigh up all potential costs against benefits before choosing a card.

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