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
Types of 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
Bendigo Bank low rate credit cards are designed to help you save on interest charges when you carry a balance. If you're after a straightforward card, the Bendigo Bank Low Rate Mastercard offers an interest rate of 11.99% p.a. (variable) on purchases and balance transfers. There's also a Bendigo Bank Low Rate Platinum Mastercard that comes with complimentary insurance covers and the Bendigo Bank Low Rate First Mastercard that's available exclusively to people aged 18 to 25.
Learn more about Low Rate Credit Cards
Rewards credit cards
If you want to earn rewards through your credit card, the Bendigo Bank Platinum Rewards Mastercard offers 1.5 points per $1 spent on eligible purchases, with no points cap. 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
Frequent flyer credit cards
The Bendigo Bank Qantas Platinum Mastercard earns 0.6 Qantas Points per $1 spent (capped at 20,000 points per month). It also offers complimentary insurance and up to 55 days interest-free on purchases.
Compare Frequent Flyer Credit Cards
Platinum credit cards
If you’re looking for a credit card that comes with a bunch of extra benefits, consider getting a platinum card. Bendigo Bank offers three different platinum options for you to choose from: the Low Rate Platinum, the Platinum Rewards and the Qantas Platinum. All three cards offer complimentary purchase insurance covers. The Platinum Rewards and Qantas Platinum also offer complimentary overseas travel insurance, while the Low Rate Platinum offers smartphone and tablet insurance.
Learn more about Platinum Credit Cards
Credit cards that support RSPCA
Bendigo Bank's RSPCA Mastercard help support the RSPCA’s Adoptapet program. With this card, Bendigo Bank donates a percentage of your monthly spending to the RSPCA. You can also opt-in to have a tax deductible donation of $5 debited from your account each month.
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 such as 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
You can use your card online, over the phone or in-person all around the world, anywhere Mastercard is accepted. You can also enjoy contactless payments at the checkout, with no need to enter a PIN if the transaction is under $100.
Rewards
Through the Bendigo Bank Rewards program, you can collect points for your spending and then redeem them for rewards from categories like gifts, home, technology, kids, and more. Meanwhile, if you're a frequent flyer, you could enjoy earning Qantas Points for your eligible spending on the Bendigo Bank Qantas Platinum Mastercard. Find out more about their rewards program.
Complimentary insurances
Bendigo Bank platinum credit cards offer a range of complimentary insurance covers, with options including complimentary overseas travel insurance, purchase protection insurance, extended warranty insurance, best price guarantees and mobile device insurance.
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 must not be bankrupt or insolvent
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
How quickly can I complete an online application?
Does Bendigo Bank provide additional cards?
How do I find out how many rewards points I’ve accumulated?
How do I redeem my points?
When do my reward points expire?
What is the history of Bendigo Bank?
What other products does Bendigo Bank offer?
As well as credit cards, Bendigo Bank’s array of financial services and products include transaction accounts, savings accounts, term deposits, personal loans, home loans and insurance solutions.
Does bendigo offer over draft account loans
Hi Jamie, thanks for your inquiry!
Please refer to the link I have sent to your email address for Bendigo Bank’s Overdraft Facility.
Cheers,
Jonathan
hi im on Centrelink payments would I be able to get a loan so I can buy a car? if not can you have someone like my father goes guarantor
Hi Brittany, thanks for your inquiry!
Please see this page for more information on loans for people on centrelink payments, with personal loan options and a list of credit card lenders who accept centrelink benefits as a form of income.
Cheers,
Jonathan
Hi im on single parenting payments with family tax benefits part A & part B totalling $1490p/f that’s about nearly $36000p/a with expenses of $1880 monthly am I eligible to make a loan for a house as a first home buyer using my regular pension and my family tax benefit as my proof of income to approve a loan?
I have read online that Bendigo Bank generally accepts centerlink benefits as a source of income on a case by case basis, how much is the interest rate for personal or home loans?
I would like to borrow about %150,000-$200,000 as a first home buyers loan for a home which is 15km from Scottsdale north east Tasmania in south springfield its a rural 3 bedroom home on a 1080metre squared block of level land.
Hi Daniel,
Thanks for your inquiry.
Please refer to this page for home loans, repayment calculator and the different lenders. The interest rate varies depending on the lender.
I hope this helps.
Cheers,
Jonathan
Im on a disability pension would I be able to get a small loan from my bank an pay back each fortnight
Hi Suzanne,
Thanks for your inquiry,
Credit card applications have minimum income requirements which vary from lender to lender, for a list of lenders that accept centrelink as a form of income please see this page. Please note that lenders have individual lending policies. Each lender will need to assess your financial and personal situation to be able to advise on your options and eligibility.
I hope this helps!
Cheers,
Jonathan
Hi, I have been a client of Bendigo for 8 yrs now, I’m on the pension and family tax benefit a+b and wondering if you do personal loans?
Hi Tina,
Thanks for your question,
We are actually a financial-products comparison service so unfortunately we do not provide personal loans on-site. However personal loans are available with Bendigo Bank, with more information in regards to the types of loans available and the application criteria on this page.
I hope this has helped.
Cheers,
Jonathan
what happens if I pay with my credit card and don’t receive the goods
Hi Brendan,
Thanks for your question.
If this happens and you are unable to receive a refund from the retailer, you may be able to reverse the transaction on your credit card. Please see this page for more information.
I hope this has helped.
Thanks,
Elizabeth
Hi, does Bendigo offer a business credit card?
Hi Gee,
Thanks for your question.
Yes, they do. I’ve emailed you a link to this.
All the best,
Shirley
How.do I buy an iPhone through Bendigo to gain reward points.
Hi Len
Thanks for your question. Bendigo offers rewards through it’s Platinum, Ready Red and RSPCA Rescue Rewards credit cards. Any eligible purchases on those cards will earn you Bendigo Rewards points.
Please let me know if you have any further questions I can help with.
Thanks,
Jeremy
I need help. I’m on the pension, I earn a steady income and, I keep getting, ‘sorry but cant help u at this time’ from the banks. Is there a place I can get a credit card from that will be glad to help me.
Hi Peter.
Thanks for your question.
You may want to have a look at our low rate credit card comparison page. Click on the card name to read a review of the card. If you would like to compare more than one card, please click on the check box to the left of the card name, and then click compare at the top or bottom of the table. This will let you compare a number of cards in a side by side comparison. Look for the minimum income requirement for each card. This will let you know how much you need to be earning before you can apply for a card. The pension is considered a form of income.
I hope this helps.
Do you get flyer points on a visa debit card or just on credit cards? Thanks.
Hi Aaron.
Generally it’s just credit cards that earn rewards and frequent flyer points. But there are debit cards that do come with extra features like purchase protection and extended warranty insurance. You can read more about this here.
Thanks for your question.