Bendigo Bank Credit Cards

From saving money on interest charges to earning rewards and supporting the RSPCA, compare Bendigo Bank credit cards and apply for one that suits your needs.

Comparison of Bendigo Bank Credit Cards

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Name	Product	Purchase rate (p.a.)	Balance transfer rate (p.a.)	Annual fee	Product Description
Bendigo Bank Basic Black Credit Card		12.24% p.a.		$45 p.a.	A no-frills card that allows you to receive up to 44 interest-free days on purchases and add an additional cardholder for $0.	More info	Compare	loading Fetching your data...
Bendigo Bank Ready Red credit card		19.74% p.a.		$45 p.a.	Earn 1 reward point per dollar spent on eligible purchases and cash advances, plus enjoy up to 44 interest-free days on purchases.	More info	Compare	loading Fetching your data...
Bendigo Bank Platinum Rewards Visa		18.99% p.a.		$119 p.a.	Get rewarded for every $1 spent on eligible purchases and balance transfers. Plus, enjoy a range of premium benefits.	More info	Compare	loading Fetching your data...
Bendigo Bank Just Business Mastercard		13.99% p.a.		$48 p.a.	A business card with flexible liability arrangements, competitive interest rates and up to 44 days interest-free on purchases.	More info	Compare	loading Fetching your data...
Bendigo Bank RSPCA Rescue Rewards		7.89% p.a. for 6 months (reverts to 19.64% p.a.)	7.89% p.a. for 6 months	$24 p.a.	Automatically donate a tax-deductible $5 per month to the RSPCA, plus earn Bendigo Bank Rewards points.	More info	Compare	loading Fetching your data...
Bendigo Bank RSPCA Rescue Visa		7.89% p.a. for 6 months (reverts to 15.49% p.a.)	7.89% p.a. for 6 months	$24 p.a.	The RSPCA's Adopt A Pet program receives a percentage of the revenue generated from purchases made using this card.	More info	Compare	loading Fetching your data...

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Types Bendigo Bank credit cards

Bendigo Bank offers a variety of credit cards to suit different people. Depending on your needs, you could get a Bendigo Bank credit card that helps you save through low rates, a card that rewards you for spending or one that supports the RSPCA. You can also compare platinum Bendigo Bank credit cards and business options.

• Low rate credit cards

If you struggle to repay your account's closing balance in full each month, the Bendigo Basic Black credit card could help keep your interest costs low. This card charges a low ongoing rate of  12.24% p.a. on purchases, cash advance and balance transfers. It also offers up to 44 interest-free days on purchases.

Learn more about Low Rate Credit Cards

• Rewards credit cards

If you want to earn rewards through your credit card, both the Bendigo Bank Ready Red and Platinum Rewards cards offer points per $1 spent on eligible purchases. They also earn points per $1 spent on balance transfers. You can redeem your points for gift cards, homewares, travel accessories, tech gadgets and more through the Bendigo Bank Rewards store.

Learn more about Rewards Credit Cards

• Credit cards that support RSPCA

Bendigo Bank's RSPCA Rescue and RSPCA Rescue Rewards credit cards help support the RSPCA’s Adopt-a-Pet program. With the RSPCA Rescue, a percentage of your spend is donated to the charity each time you make a purchase, while the RSPCA Rescue Rewards automatically deducts a $5 donation from your account each month and issues a tax receipt at the end of each financial year. The RSPCA Rescue Rewards also earns points on your purchases and balance transfers.

• Platinum credit cards

If you’re looking for a credit card that comes with a bunch of extra benefits, consider getting a platinum card. The Bendigo Bank Platinum Rewards card offers extra perks including complimentary insurance covers, a 24/7 concierge service, various travel discounts and Visa Front Line access. This card also offers up to 55 interest-free days on purchases.

Learn more about Platinum Credit Cards

• Business credit cards

The Bendigo Bank Just Business credit card is designed to help you manage your business expenses. With this account, you can take advantage of global acceptance, multiple cards with individual credit limits linked to a single account and compatibility with accounting software like MYOB.

Learn more about Business Credit Cards

Benefits of banking with Bendigo Bank

• Interest savings

With a Bendigo Bank credit card, your interest will be calculated from the statement date instead of the date you made each purchase. This means you can enjoy interest-free days even if you carry a balance. Plus, any amount you pay off by  the due date on your statement won't be charged interest. In comparison, most other credit cards charge interest from the date you make a purchase and won't offer you interest-free days when you carry a balance.

• Access funds easily

No matter whether you get a Mastercard or Visa credit card, you can look forward to using your card at EFTPOS terminals and ATMs internationally. You can also use your card for online and over-the-phone transactions.

• Personalise your card

Bendigo Bank gives you the ability to customise your credit card using an image you provide, and you can also pick a picture from its large gallery of images.

• Rewards

Through the Be Rewarded program, Bendigo Bank gives its rewards cardholders the ability to accumulate reward points and then redeem them for rewards from categories like gifts, home, technology, kids, and more.

• Contactless payments

You can use your Bendigo Bank credit card to make contactless payments of less than $100, owing to Visa’s payWave and Mastercard’s PayPass technologies.

• Complimentary insurances

With a platinum Bendigo Bank credit card, you can enjoy complimentary transport accident insurance, overseas travel insurance, domestic flight inconvenience insurance, global hire car excess waiver, purchase protection insurance, extended warranty insurance and best price guarantees.

How can I apply for a Bendigo Bank credit card?

If you've compared your options and decided to apply for a Bendigo Bank credit card, you can submit an online application, apply over the phone or submit your application to a Bendigo Branch. Before you apply, though, make sure you've met the following eligibility requirements and organised the necessary documents:

Eligibility criteria

• You must be at least 18 years of age
• You must be a permanent Australian resident or an Australian citizen
• You're required to have a good credit history

Required documents/information

• Your complete name, date of birth, marital status, and number of dependents
• Include your employer’s name and contact details
• Details about your income, expenditure, assets, and liabilities

What happens after I have applied?

The time period Bendigo Bank takes to assess credit card applications can vary from one application to the next, depending on whether they have all of the information they need. A bank representative may contact you if they require further information. If you are approved, you should receive your new card between five to 10 business days.

From low rate cards and rewards cards to business cards, you can compare a variety of credit card options through Bendigo Bank. However, as many other companies offer similar products, it's important to compare your options before applying.

Frequently asked questions