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 Name | Bendigo Bank RSPCA Rescue Rewards |
|---|---|
| Rewards Program | Bendigo 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. | $500 |
| Minimum Monthly Repayment | $10 or 3% whichever is greater |
| Card Type | Visa |
| Late Payment Fee | $15 |
| Available To Temporary Residents | No |
| Joint Application | Yes |
| Minimum Age | 18 years of age |
|---|---|
| Available to Temporary Residents | No |
| 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 |
| 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. | $500 |
| Annual Fee | $24 p.a. |
|---|---|
| Minimum Repayment | $10 or 3% whichever is greater |
| Late Payment Fee | $15 |
| Over Limit Fee | $0 |
| Cash Advance Fee | 0.50% 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 |
| BPAY | Yes |
| Cheque | Yes |
| Direct Debit | Yes |
| Australia Post | Yes |
| Phone Banking | Yes |
| Internet Banking Transfers | Yes |
| In Branch | Yes |
| Yes |
| Rewards Program | Bendigo Bank Reward |
|---|---|
| Rewards Points per $ (VISA/MC) | 1 |
| Rewards Points per $ (AMEX) | 0 |
| Rewards Points per $ (VISA/MC) Cap | Uncapped |
| Rewards Points per $ (AMEX) Cap | N/A |
| Points Expiry | 36 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.
- Card Security. You can download the free Bendigo Bank Protect+Pay app, which allows you to temporarily block your card if you’ve misplaced it, block specific types of transactions, update your PIN, check your balance, report a lost or stolen card, or cancel the card from your mobile.
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.
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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Seeking fees/charges for using bendigo bank credit card overseas, as existing customer.
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
Cheers,
Anndy