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.

Does Bendigo Bank own BDCU?

The member-owned bank BDCU operates as part of the Bendigo Community Bank network , following a transition in March 2023. This means all members for BDCU (formerly BDCU Alliance Bank) now have access to Bendigo Bank's account management facilities, including its mobile banking app. They can also apply for Bendigo Bank credit cards.

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.

Bendigo Bank Credit Cards: Compare & Apply

4.5 ★★★★★ (260 reviews) Write a review

Bendigo Bank isn't one of the Big Four Banks, but it offers a similar products and services, including credit cards with rewards and Qantas Points, balance transfers and low rates.
Bendigo Bank credit cards are also unique in the way that interest is calculated. Bendigo Bank charges interest from the date your statement is issued, not the purchase date – potentially saving you up to 50% on interest costs.

Bendigo Bank Credit Card Comparison

Purchase rate p.a.	Bonus points	Points per $ spent	Interest-free period	Balance transfer rate p.a.	Annual fee
Bendigo Bank Business Credit Card Most Loved	Purchase rate p.a. 13.99%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a. N/A	Annual fee $48	A business card with flexible liability arrangements, competitive rates and gives you the ability to personalise your card.	More info Compare product selectionCompare	loading
Bendigo Bank Bright Credit Card	Purchase rate p.a. 11.99%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 19.99%	Annual fee $59	A no-frills card that offers a low interest rate of 11.99% p.a. on purchases and a competitive $59 annual fee.	More info Compare product selectionCompare	loading
Bendigo Bank Ready Credit Card	Purchase rate p.a. 19.99%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 19.99%	Annual fee $0	Save with an ongoing $0 annual fee and no foreign transaction fees.	More info Compare product selectionCompare	loading
Bendigo Bank Platinum Rewards Credit Card Bendigo Rewards	Purchase rate p.a. 19.99%	Bonus points N/A	Points per $ spent 1.5	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 21.99%	Annual fee $89	Enjoy a competitive earn rate, complimentary travel and purchase insurance options for an annual fee of $89.	More info Compare product selectionCompare	loading
Bendigo Bank Qantas Platinum Credit Card Qantas Frequent Flyer	Purchase rate p.a. 19.99%	Bonus points N/A	Points per $ spent 0.6	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 21.99%	Annual fee $149	Offers Qantas Points per $1 spent, international travel insurance and extended warranty on purchases.	More info Compare product selectionCompare	loading
Bendigo Bank Qantas Business Credit Card Most LovedQantas Business Rewards	Purchase rate p.a. 19.99%	Bonus points 25,000	Points per $ spent 0.6	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. N/A	Annual fee $89	Offers 25,000 bonus Qantas Points, up to 1.6 points per $1 on eligible spending, and access to travel insurance and purchase protection.	More info Compare product selectionCompare	loading

Find a better credit card

Take our easy quiz and find the right card for you.

Congratulations, Bendigo Bank!

Bendigo Bank was a big winner in the 2025 Finder Awards.

Highly commended, Best Travel Credit Card: Ready Credit Card
Highly commended, Best No FX fees Credit Card: Ready Credit Card

Full list of 2025 credit card winners

Benefits of getting a credit card 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.

Balance transfers

If you're paying off a credit card from another bank, you could transfer the balance to a Bendigo Bank credit card before closing the other account. Sometimes, Bendigo Bank will even offer introductory low or 0% interest rates for balance transfers – which can help you save on charges when you first get the new card.

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. Or, if you're a frequent flyer, you could enjoy earning Qantas Points for your eligible spending on the Bendigo Bank Qantas Platinum Credit Card.

Complimentary insurance options

A Bendigo Bank credit card can give you access to a range of complimentary insurance covers, including complimentary overseas travel insurance, purchase protection insurance, extended warranty insurance and best price guarantees.

Mobile and contactless payments

You can link your Bendigo Bank credit card with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay or Garmin Pay to make payments straight from your mobile phone or device.

Digital credit card

Bendigo Bank gives you a way to set up a virtual credit card through Apple Pay before your plastic card comes in the mail. You just need to get the Bendigo Bank app, select the card and follow the prompts to link it to your Apple Wallet. This means if you're approved for a credit card, you could start using it even more quickly.

Security features

If your card is lost or stolen, you can put a temporary block on it through the Bendigo Bank app or internet banking service. Bendigo Bank credit cards also offer 24/7 fraud monitoring and zero liability against fraudulent transactions.

How to apply for a Bendigo Bank credit card

Applying for a credit card online is fast and easy. You'll need to be at least 18 years of age and meet the card's eligibility criteria. For more about eligibility, the kinds of documentation you'll need and the factors that can affect whether your card application is approved, check out our full guide to applying for a credit card.

Frequently asked questions

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.

Sources

Thank you for your feedback!

Written by

Amy Bradney-George

Journalist

Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full bio

Amy's expertise

Amy has written 505 Finder guides across topics including:

Credit cards
Frequent flyer
Credit score
BNPL
Money management
Sustainability

More resources on Finder

Ask a question

Click here to cancel reply.

Display name

Your email (will not be published)

Your question

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms Of Service and Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

42 Responses

AnnaOctober 19, 2024

I am waiting to be contacted about my credit card application. Its been a week, when should I expect to hear?

Finder

AngusOctober 21, 2024Finder

Hi Anna, Banks generally aim to process applications as quickly as possible, but it can take a week or two. You’d need to check directly with Bendigo to find out your application status – you can contact the bank on 1300 236 344. Hope this helps.

JosetteOctober 30, 2023

I would like to do a credit card Balance transfer
I need to know what is the maximum time that you give

Finder

AmyNovember 3, 2023Finder

Hi Josette,
Please be aware that Finder is an independent website not directly affiliated with Bendigo Bank. If you want a balance transfer with Bendigo Bank, it allows you to transfer up to 80% of the approved available credit limit on the card. Just make sure you compare the balance transfer interest rates on Bendigo Bank credit cards when you apply. You can also learn more about balance transfers and compare 0% balance transfer offers on Finder. I hope this helps.

ianSeptember 24, 2023

Please tell me what the current annual income threshhold is to be eligible for a Bendigo Platinum or Qantas Platinum credit card.

Finder

AmySeptember 25, 2023Finder

Hi Ian,
Bendigo Bank does not list a specific minimum income amount for the Bendigo Bank Platinum Rewards Credit Card or Qantas Platinum Credit Card. But you do need to show that you receive regular payments from employment (including self-employment) or superannuation. You also need to be able to afford at least the minimum credit limit on the card. Finder’s guide to credit card income requirements has more details and insights. If you have specific questions about Bendigo Bank credit cards, you can also call the bank on 1300 236 344. I hope this helps.

DeeMay 4, 2018

I recently completed a survey from Bendigo Bank and a question was asked re a Travel Card (which received a positive response from what appeared to be 99.99% of the participants)!!!
My question is when will Bendigo Bank be producing these cards?
I am leaving on 14th August so I am hopeful it will be before I leave. Can you advise please?

Finder

JeniMay 4, 2018Finder

Hi Dee,

Thank you for getting in touch with Finder.

I’m afraid, we don’t have any update yet about Bendigo Bank’s travel card. I suggest that you contact Bendigo Bank directly regarding this new card.

If you have time to look around, you may want to check our list of travel money cards that you can use abroad. On the page is a comparison table you can use to see which card suits you.

I hope this helps.

Have a great day!

Cheers,
Jeni

JamieFebruary 1, 2016

Does bendigo offer over draft account loans

Finder

JonathanFebruary 3, 2016Finder

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

Bendigo Bank Credit Cards

Bendigo Bank offers credit cards across major categories including low rate, rewards, balance transfer, business and more.