Bendigo Bank Credit Cards


Bendigo Bank offers credit cards to suit different needs, and its offerings include low rate cards, reward cards, platinum cards, and cards that support RSPCA.

Bendigo Bank began operations in the form of Bendigo Land and Building Society in the late 1850s, when the gold rush was at its peak. This institution took the form of a bank only in 1995, when the current name came into effect. Now, Bendigo Bank boasts approximately 1.5 million customers, over 90,000 shareholders, and more than 6,500 employees.

Bendigo Bank’s array of financial services and products include transaction accounts, savings accounts, term deposits, credit cards, personal loans, home loans, as well as insurance solutions. When it comes to getting a Bendigo Bank credit card, you get multiple options from which to choose, which include Visa and Mastercard affiliated cards.

Comparison of Bendigo Bank Credit Cards

Rates last updated July 24th, 2017
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.
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.
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.
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.
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.
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.

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Types of credit cards that Bendigo Bank offers

Bendigo Bank offers a variety of credit cards to suit different types of cardholders. If you’re turning to Bendigo Bank for a new credit card, here are some the card options you can compare:

  • Low rate credit cards

If you struggle to repay your account's closing balance in full each month, the Basic Black Visa and Mastercard 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. If you do pay your balance in full, you can take advantage of up to 44 interest-free days on purchases.

Learn more about Low Rate Credit Cards

  • Rewards credit cards

If you want to earn rewards as per your spending, the Bendigo Bank Ready Red Visa or Mastercard could help you get extra value from your credit card. Allowing you to earn up to 1 point per $1 spent on eligible purchases, you can redeem points for Flight Centre gift cards, homewares, travel accessories, tech gadgets and more through the Bendigo Bank Rewards store.  Plus, existing Bendigo Bank home loan customers and Bendigo and Adelaide Bank shareholders can take advantage of exclusive interest rate discounts. If you pay your balance in full, you can also look forward to up to 44 interest-free days on purchases.

Learn more about Rewards Credit Cards

  • Credit cards that support RSPCA

Do you want to make a difference with your dollars? The RSPCA Rescue Visa credit card and the RSPCA Rescue Rewards Visa credit card contribute to RSPCA’s Adopt-a-Pet program. While the former contributes a percentage of each purchase, the latter makes a set contribution of three dollars per month. Both these cards come with introductory interest rate offers for six months that applies to purchases, cash advances, and balance transfers. These cards offer interest-free days on purchases as well.

  • 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 Visa Credit Card comes linked to the Be Rewarded program, it provides complimentary insurance covers, a 24/7 concierge service, various travel discounts as well as 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

If you're an employer, you can consider using the Just Business Mastercard credit card to manage your business expenses under the one card. You can take advantage of global acceptance, multiple cards with individual credit limits linked to a single account and accounting software like MYOB. You'll also be able to earn up to 1.5 Bendigo Bank Rewards points, complimentary insurances and more.

Learn more about Business Credit Cards

Benefits of banking with Bendigo Bank

  • 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

People looking for complimentary insurance covers can make use of 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 guarantee through their Bendigo Bank Platinum credit cards.

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

    • Applicants 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 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

With all the required information nearby, you should be able to complete the application in around 10 minutes.
Yes, it does, and you can get one for anyone who is over 16 years of age. You can apply for one online, over the phone, or by visiting any Bendigo Bank branch.
An easy way to do this is to visit the Bendigo Bank Rewards website, and you can also find out by looking at your monthly statement online or over the phone.
You get to redeem your reward points through the Bendigo Bank Rewards website.
Bendigo Bank reward points expire in three years.
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34 Responses

  1. Default Gravatar
    JamieFebruary 1, 2016

    Does bendigo offer over draft account loans

    • Staff
      JonathanFebruary 3, 2016Staff

      Hi Jamie, thanks for your inquiry!

      Please refer to the link I have sent to your email address for Bendigo Bank’s Overdraft Facility.



  2. Default Gravatar
    BrittanyFebruary 27, 2015

    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

    • Staff
      JonathanFebruary 27, 2015Staff

      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.



  3. Default Gravatar
    danielJanuary 25, 2015

    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.

    • Staff
      JonathanJanuary 28, 2015Staff

      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.



  4. Default Gravatar
    suzanneJanuary 22, 2015

    Im on a disability pension would I be able to get a small loan from my bank an pay back each fortnight

    • Staff
      JonathanJanuary 22, 2015Staff

      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!



  5. Default Gravatar
    tinaJanuary 9, 2015

    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?

    • Staff
      JonathanJanuary 12, 2015Staff

      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.



  6. Default Gravatar
    BrendanNovember 9, 2014

    what happens if I pay with my credit card and don’t receive the goods

    • Staff
      ElizabethNovember 10, 2014Staff

      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.



  7. Default Gravatar
    GeeSeptember 19, 2014

    Hi, does Bendigo offer a business credit card?

    • Staff
      ShirleySeptember 19, 2014Staff

      Hi Gee,

      Thanks for your question.

      Yes, they do. I’ve emailed you a link to this.

      All the best,

  8. Default Gravatar
    LenAugust 13, 2014 I buy an iPhone through Bendigo to gain reward points.

    • Staff
      JeremyAugust 13, 2014Staff

      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.


  9. Default Gravatar
    peterNovember 17, 2013

    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.

    • Staff
      JacobNovember 18, 2013Staff

      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.

  10. Default Gravatar
    aaronOctober 30, 2013

    Do you get flyer points on a visa debit card or just on credit cards? Thanks.

    • Staff
      JacobOctober 31, 2013Staff

      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.

Credit Cards Comparison

Rates last updated July 24th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
St.George Vertigo Visa
Receive up to 55 days interest-free on purchases and the ability to make contactless payments with Visa payWave technology.
13.24% p.a. 0% p.a. for 14 months $0 p.a. annual fee for the first year ($55 p.a. thereafter) Go to site More info
Virgin Australia Velocity Flyer Card - Exclusive Offer
Apply by 31 July 2017 to earn bonus Velocity Points for the first three months and a $129 Virgin Australia Gift Voucher each year.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months.
0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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