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.
Bendigo Bank offers a wide range of credit card options, including low rate cards, reward cards that earn points for purchases and balance transfers and credit cards that support the RSPCA. 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.
Comparison of Bendigo Bank Credit Cards
Types 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
If you struggle to repay your account's closing balance in full each month, the Bendigo Basic Black 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. It also offers up to 44 interest-free days on purchases.
Rewards credit cards
If you want to earn rewards through your credit card, both the Bendigo Bank Ready Red and Platinum Rewards cards offer points per $1 spent on eligible purchases. They also earn points per $1 spent on balance transfers. You can redeem your points for gift cards, homewares, travel accessories, tech gadgets and more through the Bendigo Bank Rewards store.
Credit cards that support RSPCA
Bendigo Bank's RSPCA Rescue and RSPCA Rescue Rewards credit cards help support the RSPCA’s Adopt-a-Pet program. With the RSPCA Rescue, a percentage of your spend is donated to the charity each time you make a purchase, while the RSPCA Rescue Rewards automatically deducts a $5 donation from your account each month and issues a tax receipt at the end of each financial year. The RSPCA Rescue Rewards also earns points on your purchases and balance transfers.
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 Rewards card offers extra perks including complimentary insurance covers, a 24/7 concierge service, various travel discounts and Visa Front Line access. This card also offers up to 55 interest-free days on purchases.
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 like MYOB.
Benefits of banking with Bendigo Bank
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
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.
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.
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.
With a platinum Bendigo Bank credit card, you can enjoy 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 guarantees.
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're required to have a good credit history
- 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
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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.