Bendigo Bank RSPCA Mastercard

No longer offered in the market

The Bendigo Bank RSPCA Mastercard is no longer available for new applications. However, we’ve kept the information online for the benefit of existing customers and for those who are interested.

You can compare the current range of Bendigo Bank credit cards here.

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19.99% p.a.

Balance transfer rate

19.99% p.a.

Purchase rate

$45 p.a.

Annual fee

55 days

Interest free period

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Product NameBendigo Bank RSPCA Mastercard - DISCONTINUED
Balance transfer rate19.99% p.a.
Purchase rate19.99% p.a.
Annual fee$45
Interest-free periodUp to 55 days on purchases
Cash advance rate21.99% p.a.
Min credit limit$500
Card typeMastercard
Foreign currency conversion fee3%
Available to temporary residentsNo
Joint applicationNo


  • Enjoy up to 55 days interest-free on purchases.
  • A percentage of your card spend goes to RSPCA Adoptapet program.


  • There is no rewards program linked to this card.
  • The purchase rate of 19.99% p.a. is relatively high.
Bonus pointsN/A
Annual fee$45
Minimum monthly repayment3% of the closing balance or $10, whichever is greater
Late payment fee$15
Foreign currency conversion fee3%
Cash advance fee0.5% or $3.25, whichever is greater
Overseas cash advance fee$3.25 or 0.5% of the transaction amount, whichever is greater
Overseas ATM withdrawal fee$5

How to apply

You can apply for the Bendigo Bank RSPCA Mastercard online. Check if you meet the eligibility criteria and have the necessary information to complete the application before you get started:

Eligibility criteria

  • Residency status. You must be a permanent resident or Australian citizen.
  • Credit history. You must have a good credit score and not be a bankrupt or insolvent.

Card benefits

  • RSPCA donations. With this card, Bendigo Bank donates a percentage of your monthly spend to the RSPCA Adoptapet program. Essentially, this means you could donate money without actually spending any more than you usually would on purchases. You can also opt-in to donate $5 per month from your account, with a receipt issued annually so you can claim them as a tax deduction.
  • Choose your card image. You can customise your card with a choice of a cat or dog image at no extra cost. Just choose the image you want when you apply.

Rates & fees

  • Annual fee. This card charges an annual fee of $45 p.a.
  • Purchase interest rate. This card charges a variable interest rate of 19.99% p.a. for purchases. This same interest rate also applies to balance transfers.

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