Bendigo Bank Credit Cards

Bendigo Bank Credit Card Offer

Bendigo Bank Low Rate Mastercard

$0 annual fee for the first year
$150 Woolworths gift card

Offer ends 30 September 2020

Eligibility criteria, terms and conditions, fees and charges apply

Bendigo Bank Credit Card Offer

Receive a $150 Woolworths gift card when you meet the spend requirement, plus enjoy a first-year annual fee waiver and a 0% balance transfer rate.

• $0 annual fee for the first year ($45 p.a. thereafter)
• $150 Woolworths gift card when you spend $1,000 in the first 60 days
• Balance transfer rate of 0% p.a. for 6 months (reverts to 11.99% p.a.)
• Purchase rate: 11.99% p.a. | Minimum credit limit: $500

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Bendigo Bank Credit Card Comparison

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Name	Product	Purchase rate (p.a.)	Interest-free period	Annual fee	Balance transfer rate	Balance transfer rate
Bendigo Bank Low Rate Mastercard		11.99% p.a.	Up to 55 days on purchases	$0 p.a. annual fee for the first year ($45 p.a. thereafter)	0% p.a. for 6 months	0% p.a. for 6 months	Save with a $0 first-year annual fee and get a $150 Woolworths Supermarket gift card when you spend $1,000 in the first 60 days.	Go to site More Info	Compare	loading Fetching your data...
Bendigo Bank Low Rate Platinum Mastercard		11.99% p.a.	Up to 55 days on purchases	$89 p.a.	0% p.a. for 6 months	0% p.a. for 6 months	Offers a low variable purchase interest rate of 11.99% p.a., complimentary insurance covers and 0% interest for 6 months on balance transfers	More Info	Compare	loading Fetching your data...
Bendigo Bank Low Rate First Mastercard		11.99% p.a.	Up to 55 days on purchases	$29 p.a.	0% p.a. for 6 months	0% p.a. for 6 months	Exclusively for customers aged 18 to 25 years, this card lets you enjoy a 0% p.a. for 6 months balance transfer offer and a low variable interest rate on purchases.	More Info	Compare	loading Fetching your data...
Bendigo Bank Platinum Rewards Mastercard		19.99% p.a.	Up to 55 days on purchases	$89 p.a.	0% p.a. for 6 months	0% p.a. for 6 months	Enjoy a competitive earn rate, complimentary travel and purchase insurance options for an annual fee of $89 with the Bendigo Bank Platinum Rewards card.	More Info	Compare	loading Fetching your data...
Bendigo Bank Qantas Platinum Mastercard		19.99% p.a.	Up to 55 days on purchases	$149 p.a.	0% p.a. for 6 months	0% p.a. for 6 months	Offers Qantas Points per $1, a 0% balance transfer offer, plus 180 days of comprehensive travel insurance and extended warranty on purchases.	More Info	Compare	loading Fetching your data...
Bendigo Bank Qantas Business Mastercard		19.99% p.a.	Up to 55 days on purchases	$89 p.a.			Earn Qantas Points on eligible purchases and get access to domestic travel insurance and extended warranty on purchases.	More Info	Compare	loading Fetching your data...
Bendigo Bank Business Credit Mastercard		13.99% p.a.	Up to 44 days on purchases	$48 p.a.			A business card with flexible liability arrangements, competitive rates and gives you the ability to personalise your card.	More Info	Compare	loading Fetching your data...

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Types of Bendigo Bank credit cards

Depending on your needs, you could get a Bendigo Bank credit card that helps you save through low rates, including a card that's only available if you're aged 18 to 25. You can also look at Bendigo Bank credit cards that reward you for spending, offer platinum benefits 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. 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.

• Rewards credit cards

If you want to earn rewards points 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.

• Frequent flyer credit cards

The Bendigo Bank Qantas Platinum Mastercard is a frequent flyer credit card that 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.

• Platinum credit cards

If you’re looking for a credit card that comes with a bunch of extra benefits, consider getting a platinum credit 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.

• Business credit cards

The Bendigo Bank Business Credit Mastercard 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.

Benefits of banking with Bendigo Bank

Here are some of the features and services you'll get access to with a Bendigo Bank credit card:

• Interest savings

Bendigo Bank calculates credit card interest 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.

• 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.

• Digital payments and contactless payments

You can link your Bendigo Bank credit card with Apple Pay, Samsung Pay, Google Pay, Fitbit Pay or Garmin Pay to make contactless payments using your qualifying device at the checkout.

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
• 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.
• 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?

  With all the required information nearby, you should be able to complete the application in around 15 minutes.

• How can I apply for a Bendigo Bank credit card credit limit increase?

  If you already have a Bendigo Bank credit card and want a higher credit limit, call 1300 236 344 or visit a Bendigo Bank branch and request a limit increase. Note that any request for a change to your credit limit is subject to approval based on Bendigo Bank's lending criteria.

• Does Bendigo Bank provide additional cards?

  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.

• How do I find out how many rewards points I’ve accumulated?

  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.

• How do I redeem my points?

  You get to redeem your reward points through the Bendigo Bank Rewards website.

• When do my reward points expire?

  Bendigo Bank reward points expire after 36 months.

• What is the history of Bendigo Bank?

  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.

• 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.