Bendigo Bank credit cards can suit many different people, with low rate and low fee options, rewards cards and credit cards that support the RSPCA. There's even a card designed especially for people aged 18 to 25. Bendigo Bank Credit Cards are also unique in the way that interest is calculated. While most credit cards charge interest from the date you make a purchase, Bendigo Bank charges it from the date your statement is issued – potentially saving you up to 50% on interest costs.
Use this guide to compare Bendigo Bank credit cards and learn more about their different features and benefits so that you can decide if one of these cards is right for you.
Bendigo Bank Credit Card Offer
Bendigo Bank Low Rate Mastercard
0% p.a. for 18 months on balance transfers with a one-time 2% balance transfer fee
Offer ends 31 August 2019
Eligibility criteria, terms and conditions, fees and charges apply
Bendigo Bank Credit Card Offer
Save with a 0% introductory rate on balance transfers for 18 months and a competitive interest rate of 11.99% p.a. on purchases.
$45 p.a. annual fee.
11.99% p.a. on purchases
0% p.a. for 18 months with 2% BT fee on balance transfers
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, one that supports the RSPCA, plus 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.
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.
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.
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.
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 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:
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.
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.
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:
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
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
With all the required information nearby, you should be able to complete the application in around 15 minutes.
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.
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 after 36 months.
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.
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.
No longer offered, the Bendigo Bank Basic Black Card offered the benefits of 24-hour fraud monitoring, $0 fees for additional cardholders and competitive interest rates on purchases, balance transfers and cash advances for an annual fee of $45.
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