Bendigo Bank Credit Cards
From saving money on rates and fees to earning rewards, compare Bendigo Bank Credit Cards to find one that suits your needs.
Bendigo Bank credit cards can suit many different people, with low rate and low fee options and rewards cards. 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.
$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
Bendigo Bank Credit Card Comparison
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:
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.
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
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
- 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
- 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.
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Credit Cards Comparison
* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au 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.