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Bendigo Bank Platinum Rewards Mastercard

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Collect Bendigo Rewards points and enjoy a range of complimentary extras with the Bendigo Bank Platinum Rewards Mastercard.

This platinum credit card offers 1.5 Bendigo Bank Rewards points per $1 spent, which you can redeem for gift cards, retail items, cash back and a range of other rewards. It also offers complimentary international travel insurance, purchase protection insurance and extended warranty covers.

0% p.a.

Balance transfer rate

for 6 months

19.99% p.a.

Purchase rate


Reward points

Per $ spent

$89 p.a.

Annual fee


Product NameBendigo Bank Platinum Rewards Mastercard
Rewards programBendigo Rewards
Balance transfer rate0% p.a. for 6 months
Balance transfer revert ratePurchase Rate (19.99% p.a.)
Balance transfer limit80% of available limit
Purchase rate19.99% p.a.
Annual fee$89
Interest-free period55 days
Cash advance rate21.99% p.a.
Min credit limit$3,000
Card typeMastercard
Foreign currency conversion fee3%
Available to temporary residentsYes - Conditions apply
Joint applicationYes


  • 1.5 reward points per $1 spent on purchases
  • Compatible with Apple Pay, Google Pay and Samsung Pay
  • Balance transfer rate of 0% p.a. for 6 months


  • Rewards cannot be exchanged for frequent flyer points
  • Does not currently offer bonus points upon sign-up
Rewards programBendigo Rewards
Bonus pointsN/A
Rewards points per $ spent1.5
Annual fee$89
Minimum monthly repayment10% of the closing balance or $3, whichever is greater
Late payment fee$15
Foreign currency conversion fee3%
Cash advance fee0.5% or $3.25, whichever is greater
Overseas cash advance fee0.5% or $3.25, whichever is greater
Overseas ATM withdrawal fee$5
Additional cardholder fee$0

Expert review

Amy Bradney-George

Review by

Amy Bradney-George is the acting editor for Finder X and a senior writer for credit cards and Finder Green. She has more than 13 years' experience as a journalist and writer, with bylines in publications including The Equity Magazine, The Sydney Morning Herald, ABC News and produce industry website FreshPlaza. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University, and when she’s not putting (virtual) pen to paper, she spends her time as an actress.

Expert review

The Bendigo Bank Platinum Rewards credit card gives you both rewards and perks for a competitive annual fee of $89. If you’re interested in travel rewards, be aware that the Bendigo Bank Rewards program does not offer point transfers to frequent flyer programs (unlike many other credit card reward programs). But you can still redeem points for a variety of gift cards, cash back, charity donations or retail items available online.

How to apply

If you've compared your options and want to apply for the Bendigo Bank Platinum Rewards Mastercard, you can fill in a secure online application form. Before you apply, make sure you meet the eligibility requirements and have all the relevant details and supporting documentation ready.

Eligibility criteria

  • Residency. Permanent Australian residents and Australian citizens are eligible to apply. Temporary residents are eligible to apply as long as you have a 188, 457 or 489 visa, have applied for permanent residency and have at least 12 months remaining on the visa.
  • Eligible balance transfer debt. If you're looking to transfer a balance to this card, Bendigo Bank allows you to transfer from accounts not serviced by Bendigo.

Card benefits

  • Points on purchases. This credit card offers a competitive 1.5 points per $1 spent on purchases (uncapped). Note that there are some transactions that won't earn points, including cash advances, credit card fees and charges, foreign exchange purchases and bills paid through BPAY.
  • Interest-free days. The Bendigo Bank Platinum Rewards Mastercard offers up to 55 days interest-free on purchases. Bendigo Bank calculates interest from the statement date instead of the purchase date. This means you can enjoy an interest-free period on purchases even if you don't pay off your balance in full.

Rates & fees

  • Purchase rate. This card charges a variable interest rate of 19.99% p.a. on purchases.
  • Additional cardholder. If you want to share your account with a family member, you can request an additional cardholder with a $0 additional cardholder annual fee. Note that you will still be responsible for keeping the account in good standing.

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  1. Default Gravatar
    March 7, 2019


    With regard to Bendigo Bank Platinum Rewards Mastercard, can you confirm that I can convert points to Krisflyer miles? And if so, can you tell me what the conversion rate is to Krisflyer miles please?

    Thank you.

    • Avatarfinder Customer Care
      March 8, 2019

      Hi Steve,

      Thank you for getting in touch with Finder.

      Currently, you can not convert this Bendigo Bank Platinum Rewards Mastercard’s rewards points to Krisflyer miles. You may check out this page to find out credit cards that you may convert to Krisflyer miles.

      I hope this helps.

      Thank you and have a wonderful day!


  2. Default Gravatar
    November 15, 2018

    I am going to Vietnam and Cambodia in April, I am 72 yrs old, I have paid the whole trip with my credit card, will qualify for the Travel insurance ? Thank you.

    • Avatarfinder Customer Care
      November 16, 2018

      Hi Margaret,

      Thank you for leaving a question.

      Yes, you qualify for the complimentary travel insurance since you paid for your return overseas tickets with your Bendigo Platinum and get international travel insurance for up to 180 days. Hope this helps!


  3. Default Gravatar
    July 4, 2018

    Hi. I am travelling to Sri Lanka for 2 weeks in October and have charged my total trip including return airfare to my Bendigo Platinum Rewards Credit Card. Am I covered and do I get any evidence of insurance cover provided i.e. a Policy number or acknowledgement? Thanks

    • Default Gravatar
      July 5, 2018

      Hi Kerron,

      Thanks for contacting finder.

      The Bendigo Platinum Rewards credit card automatically gives you complimentary international travel insurance for up to 180 days within a 12 month period. There is no need for any travel insurance document or policy number.

      You travel cover is effective for a trip that doesn’t exceed 90 days, from the day you leave your home to the day your trip ends. To be clear, you will no be eligible for cover if your trip goes beyond 90 days. This insurance also covers your eligible spouse and/or children who are travelling with you if their tickets were also bought on your card.

      Hope this clarifies!


  4. Default Gravatar
    May 25, 2017

    Does Bendigo bank have a credit card with either a Qantas or Virgin Frequent flyer rewards program?

    • Avatarfinder Customer Care
      May 25, 2017

      Hi Keith,

      Thank you for your inquiry.

      Unfortunately, none, but you can always check the list of credit card/s with Qantas Frequent Flyer rewards programs through this page.

      I hope this information has helped.


  5. Default Gravatar
    March 28, 2017

    we are looking for a joint credit card with individual card numbers so when one looses or the card get swallowed by atm the other card will still be active.

    does this card do this?

    • Default Gravatar
      March 30, 2017

      Hello Leonie,

      Thanks for your questions,

      If you are looking for a credit card that lets you have the option of applying as a joint account, you may visit this page will provide you the available financial institutions that offers joint account credit card applications. Let me also add to please read and understand the terms and conditions on their PDS before selecting a particular product.


  6. Default Gravatar
    July 23, 2016

    Is it necessary to activate travel insurance cover for travel interstate on a platinum Visa card or is it automatically available?

    • Avatarfinder Customer Care
      July 28, 2016

      Hi Anthony,

      Thanks for your question.

      The Domestic Flight Inconvenience Insurance cover attached to a Bendigo Platinum Visa Card is activated when you use your card to pay for the full value of the return domestic flight fare before the commencement of your flight.


  7. Default Gravatar
    June 14, 2016

    Is there an age limit. My husband is a healthy 75 year old.

    • Avatarfinder Customer Care
      June 14, 2016

      Hi Jan,

      Thanks for your question.

      If you are referring to the complimentary insurance coverage for this card, its terms and conditions states that they will not cover loss of any cause if “you are over seventy-five (75) years of age. This will not prejudice any entitlement to claim benefits which has arisen before you attain the age of seventy-six (76) years.”

      In reference to the second sentence, I suggest that you directly contact Bendigo to verify if your husband is still covered.


  8. Default Gravatar
    February 20, 2016

    does my ready red visa card transfer frequent flyer points

    • Avatarfinder Customer Care
      February 22, 2016

      Hi Nicos, thanks for your inquiry!

      Unfortunately Bendigo Rewards currently do not have a partnership with a frequent flyer program. You may like to compare frequent flyer credit cards on this page.



  9. Default Gravatar
    December 5, 2015

    Does the platinum card have Qantas frequent flyer rewards?


    • Avatarfinder Customer Care
      December 7, 2015

      Hi Ted,

      Thanks for your question.

      The Bendigo Bank Platinum card does come with a rewards program, but it’s not connected with Qantas Frequent Flyer points. Instead you can redeem your points for merchandise from the Bendigo rewards online store.

      You can compare credit cards with Qantas Frequent Flyer rewards programs here.

      I hope this has helped.



  10. Default Gravatar
    October 19, 2015

    Does the Bendigo Platinum visa allow access into Priority Pass or other world wide airline lounge schemes? If so which ones? A
    Do what are the rules?

    • Avatarfinder Customer Care
      October 19, 2015

      Hi JenFly, thanks for your inquiry!

      Unfortunately this card does not come with complimentary Priority Pass access. For a list of cards that include this feature please see this page.



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