Bendigo Bank RSPCA Rescue Rewards – Rates and Fees

Information verified correct on April 29th, 2017

Support the RSPCA, enjoy a low introductory rate for 6 months and earn rewards for purchases and balance transfers.

The Bendigo Bank RSPCA Rescue Rewards is a charity reward credit card that offers 1 point per $1 spent for both purchases and balance transfers. It also charges a low introductory rate of 7.89% p.a. for the first 6 months. This rate applies to purchases and balance transfers and reverts to a standard rate of 19.64% p.a. at the end of the promotional period.

Product NameBendigo Bank RSPCA Rescue Rewards
Rewards ProgramBendigo Bank Reward
Balance transfer rate (p.a.)7.89% p.a. for 6 months
Balance Transfer Revert Rate
The interest rate after the balance transfer ends.
Standard Balance Transfer Revert Rate (19.64% p.a.)
Purchase rate (p.a.)7.89% p.a. for 6 months (reverts to 19.64% p.a.)
Annual fee$24 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 55 days on purchases
Cash advance rate (p.a.)19.64% p.a.
Min credit limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
Minimum Monthly Repayment$10 or 3% whichever is greater
Card TypeVisa
Late Payment Fee$15
Available To Temporary ResidentsNo
Joint ApplicationYes
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.
Min Credit Limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
Annual Fee$24 p.a.
Minimum Repayment$10 or 3% whichever is greater
Late Payment Fee$15
Over Limit Fee$0
Cash Advance Fee0.50% min. $3.25
Overseas Cash Advance Fee$3.25 or 0.5% of the transaction amount
Overseas Emergency Replacement$100
Overseas ATM Balance check$1.50
Overseas ATM Withdrawal Fee$5
Direct DebitYes
Australia PostYes
Phone BankingYes
Internet Banking TransfersYes
In BranchYes
Rewards ProgramBendigo Bank Reward
Rewards Points per $ (VISA/MC)1
Rewards Points per $ (AMEX)0
Rewards Points per $ (VISA/MC) CapUncapped
Rewards Points per $ (AMEX) CapN/A
Points Expiry36 months

Bendigo Bank RSPCA Rescue Rewards review

This charity credit card allows you to support the RSPCA with a monthly tax-deductible donation of $5 that's automatically debited from your account. It also offers complimentary membership to the Bendigo Bank Rewards program and earns points on both purchases and balance transfers.

In addition to these features, the Bendigo Bank RSPCA Rescue Rewards offers up to 55 interest-free days on purchases. It charges the same interest rate for purchases, balance transfers and cash advances and has a low annual fee of $24.

Benefits of the Bendigo Bank RSPCA Rescue Rewards

Some of the highlights of this credit card include:

  • RSPCA donations. The monthly, automatic donations to the RSPCA allow you to support "all creatures great and small" without lifting a finger. In a 12-month period, you'll donate a total of $60 and, at the end of each financial year, you'll also be issued with a receipt that you can submit with your tax return.
  • Rewards on balance transfers. The Bendigo Bank RSPCA Rescue Rewards is one of a limited number of cards that offers reward point per $1 spent on a balance transfer.
  • Rewards on purchases. This card earns 1 point per $1 spent on purchases. Bendigo Bank may also have bonus point promotions from time-to-time, with current offers listed on the Bendigo Bank Rewards website.
  • Low introductory interest rate. This card offers a low rate of 7.89% on purchases and balance transfer for the first 6 months. At the end of this time, a standard variable rate of 19.64% p.a. applies.
  • Interest-free days. This card offers up to 55 days interest-free on purchases, even when you don't pay your balance in full. This is because Bendigo Bank charges interest from the statement date, not the purchase date like most other providers.
  • Contactless and mobile payments. This card has Visa payWave technology that allows you to "tap-and-go" for payments of $100 or less when you use it in-store. It's also compatible with Android Pay, allowing you to use a compatible smartphone to make payments with your card.

Features of the Bendigo Bank RSPCA Rescue Rewards

If you're interested in the Bendigo Bank RSPCA Rescue Rewards, make sure you consider the following features:

  • Annual fee. This card has an annual fee of $24.
  • Standard interest rate. An ongoing variable interest rate of 19.64% p.a. applies to purchases, balance transfers and cash advances made on this card.
  • Foreign transaction fee. This card charges a fee of $3 for each transaction made in an international currency.
  • Additional cardholders. You can request a secondary cardholder at no extra cost, allowing you to maximise your account spending and rewards. Note that you will still be responsible for all management and payments to the account.
  • Security features. This card includes 24/7 fraud monitoring, a zero liability policy for fraudulent charges and additional account protection through the Protect+Pay app.

How to apply for the Bendigo Bank RSPCA Rescue Rewards

If you've compared cards and decided you want to get the Bendigo Bank RSPCA Rescue Rewards, you can apply online in around 20 minutes. Before you get started, make sure you meet the application criteria and have all your relevant details and documents on hand to help speed up the process.

Eligibility criteria

        • Age. You must be at least 18 years old.
        • Residency status. You must be an Australian citizen or a permanent Australian resident.
        • Credit history. You must not have any defaults, court judgments or bankruptcy listings on your credit history.

Required documents

        • Personal information. This includes your full name, date of birth, residential address, email address, contact number and relationship status. You'll also be required to verify your identity by providing details of your Australian driver’s license number, Medicare details or passport.
        • Employment details. This includes your position, length of employment, salary and your employer's contact details.
        • Financial information. This includes any income from other sources (such as investments) and assets such as savings. You'll also be required to provide details of any existing debts such as home loans or credit card balances, and regular expenses such as household bills.

The Bendigo Bank RSPCA Rescue Rewards is unique in offering charity support and rewards – especially with the ability to earn points on balance transfers. When you factor in the cost of RSPCA donations and the annual fee, you'll pay $84 per year for this card, with $60 of it tax deductible. While this card does provide some competitive features, it's important to consider your needs and compare a range of options so that you can find the credit card that's right for you.

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2 Responses to Bendigo Bank RSPCA Rescue Rewards – Rates and Fees

  1. Default Gravatar
    Stephen | June 19, 2016

    Seeking fees/charges for using bendigo bank credit card overseas, as existing customer.

    • Staff
      Anndy | July 20, 2016

      Hi Stephen,

      Thanks for your question.

      If you are going to use your Bendigo Bank credit card overseas, the following fees apply:

      Foreign cash advance – $3.25 or 0.5% of the transaction amount, whichever is greater

      International transaction fee – 3% of all cash advances, ATM withdrawals and retail purchase transactions in currencies other than AUD

      Non-Bendigo Bank international ATM enquiry- $1.50

      Non-Bendigo Bank international ATM withdrawal – $5.00


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