Bendigo Bank

Bendigo Bank Credit Cards

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

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Bendigo Bank isn't one of the Big Four but it offers a similar range of products and banking services. Available to customers Australia-wide, a Bendigo Bank credit card can offer rewards, a balance transfer, Qantas Points and more. 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.

Bendigo Bank Credit Card Offer

Bendigo Bank Low Rate Credit Card

0% p.a. for 18 months
on purchases

Offer ends 28 February 2022

Eligibility criteria, terms and conditions, fees and charges apply

Bendigo Bank Credit Card Offer

This no-frills card offers 0% p.a. on purchases for the first 18 months, with a $45 annual fee.

  • 0% p.a. on purchases for 18 months (reverts to 11.99% p.a.)
  • Annual fee: $45 p.a. | No additional cardholder fee
  • Up to 55 days interest-free on purchases after introductory period
  • Minimum credit limit: $500
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Bendigo Bank credit card comparison

Name Product Purchase rate Interest-free period Balance transfer rate Annual fee
Bendigo Bank Low Rate Credit Card
0% p.a. for 18 months, reverts to 11.99% p.a.
Up to 55 days on purchases
13.99% p.a.
Save on interest costs with 0% p.a. on purchases for up to 18 months (reverts to 11.99% p.a.). Plus, a $45 annual fee.
Bendigo Bank Platinum Rewards Credit Card
0% p.a. for 12 months, reverts to 19.99% p.a.
Up to 55 days on purchases
21.99% p.a.
Offers 0% p.a. for up to 12 months on purchases, complimentary travel and purchase insurance options for an annual fee of $89.
Bendigo Bank Qantas Platinum Credit Card
19.99% p.a.
Up to 55 days on purchases
19.99% p.a.
Offers Qantas Points per $1 spent, plus 180 days of comprehensive travel insurance and extended warranty on purchases.
Bendigo Bank Qantas Business Credit Card
19.99% p.a.
Up to 55 days on purchases
Earn Qantas Points on eligible purchases and get access to domestic travel insurance and extended warranty on purchases.
Bendigo Bank Business Credit Card
13.99% p.a.
Up to 44 days on purchases
A business card with flexible liability arrangements, competitive rates and gives you the ability to personalise your card.

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Types of credit cards from Bendigo Bank

Depending on what you want, you can 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

If you're after a straightforward card, the Bendigo Bank Low Rate Credit Card offers an interest rate of 11.99% p.a. (variable) on purchases. This is competitive with other low rate credit cards, which typically offer interest rates from around 8.99% p.a. to 14.99% p.a.

  • Rewards credit cards

The Bendigo Bank Platinum Rewards Credit Card comes with its own rewards program and offers 1.5 Bendigo Rewards points per $1 spent on eligible purchases. 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 Credit Card is a frequent flyer credit card that earns 0.6 Qantas Points per $1 spent (capped at 20,000 points per month). It also gives you a way to join Qantas Frequent Flyer for free (saving on the usual $99.50 joining fee) and offers complimentary insurance, with a $149 p.a. annual fee.

  • Platinum credit cards

Bendigo Bank gives you a choice of two different platinum credit cards: the Platinum Rewards Credit Card and the Qantas Platinum Credit Card. Both of these cards offer complimentary purchase insurance and overseas travel insurance cover. This is similar to other platinum credit cards (although you can find some that also offer perks like airport lounge passes and concierge services).

  • Business credit cards

The Bendigo Bank 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 such as MYOB.

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. Meanwhile, 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

Bendigo Bank's platinum credit cards offer 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, Samsung Pay, Google Pay, Fitbit Pay or Garmin Pay to make contactless payments using your qualifying device at the checkout.

  • 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. This means if you're approved for a credit card, you could start using it even more quickly.

Eligibility criteria

You can apply for a Bendigo credit card online in around 15 minutes by filling in a secure application form on the bank's website. You could also apply over the phone or submit your application to a Bendigo Branch.

Before you apply make sure you've met the following eligibility requirements and organised the necessary documents:

  • Australian residency requirements. 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.
  • Regular income. You must earn a regular income from employment or one of the following other accepted sources.
    • Austudy
    • Family tax benefit A and B
    • Age, disability or veterans affairs pension
    • Carer pension (only for dependent children)
  • Credit history. You must not be bankrupt or insolvent
  • Age. You must be at least 18 years of age

Information and documents you need to apply

Bendigo Bank credit card applications include details everyone needs to fill in, and information that's specific to your Australian residency and how you earn income – plus documents that verify these details. Some of the key details you'll need to share on the application include:

  • Personal details. Your complete name, date of birth, marital status and number of dependants. You'll also need to provide ID, such as your driver's licence, Australian passport or Medicare card information.
  • Income details. If you're employed, this includes details of your employment status and your employer's name and contact information. Plus documents that verify your income for the last 3 months, such as payslips, bank statements or a letter from Centrelink confirming you receive eligible payments.
  • Financial details. Any other forms of income and assets, plus your regular expenses and liabilities, including any other cards or loans.

Credit card details

During the application, you'll also be asked about the following details for your new credit card:

  • Credit limit. If you have a credit limit in mind, you can include that as part of the application. Just be aware that Bendigo Bank will only offer you a credit limit that is based on its assessment of your application (so the actual limit you get could be lower than the one you've requested).
  • Balance transfers. If you want to move an existing credit card debt onto your new Bendigo Bank card, you need to include the account details and the amount of debt you want to transfer. Just keep in mind that the balance transfer is approved separately and the amount that's transferred depends on the credit limit you get for your new Bendigo Bank card.

What happens after I have applied?

The time period Bendigo Bank takes to assess credit card applications can vary, depending on whether the bank has all of the information it needs. A bank representative may contact you if they need further information. If you are approved, you should receive your new card within 10 business days.

Frequently asked questions

Want to compare a wider range of credit cards? Check out the latest offers for rewards, balance transfers, low rates and more.

More guides on Finder

  • Bendigo Bank Qantas Business Credit Card

    Earn Qantas Points on eligible spending and get access to Qantas Business Rewards offers and discounts with the Bendigo Bank Qantas Business Credit Card.

  • Bendigo Bank Low Rate Credit Card

    Right now, the Bendigo Bank Low Rate Credit Card offers 0% interest in purchases for up to 18 months. But what about its other features?

  • Bendigo Bank Qantas Platinum Credit Card

    Collect Qantas Points per $1 spent and save with complimentary insurance covers with the Bendigo Bank Qantas Platinum Credit Card.

  • Bendigo Bank Rewards

    Earn points for your spending on a Bendigo Bank Rewards credit card redeem them for anything from travel packages and gift cards to the latest tech gadgets.

  • Bendigo Bank Business Credit Card

    Save on credit card costs with a low purchase rate and up to 44 days interest free with the Bendigo Bank Business Credit Card.

  • Bendigo Bank Platinum Rewards Credit Card

    Enjoy a competitive earn rate, complimentary travel and purchase insurance options and an annual fee of $89 with the Bendigo Bank Platinum Rewards card.

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36 Responses

    Default Gravatar
    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?

      Avatarfinder Customer Care
      JeniMay 4, 2018Staff

      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!


    Default Gravatar
    JamieFebruary 1, 2016

    Does bendigo offer over draft account loans

      Avatarfinder Customer Care
      JonathanFebruary 3, 2016Staff

      Hi Jamie, thanks for your inquiry!

      Please refer to the link I have sent to your email address for Bendigo Bank’s Overdraft Facility.



    Default Gravatar
    BrittanyFebruary 27, 2015

    hi im on Centrelink payments would I be able to get a loan so I can buy a car? if not can you have someone like my father goes guarantor

      Avatarfinder Customer Care
      JonathanFebruary 27, 2015Staff

      Hi Brittany,

      Thanks for your inquiry.

      You may be eligible for a car loan while receiving Centrelink benefits. A lender will look at how much you earn from your Centrelink payments or other income, then compare it to the repayment amounts. It might be a good idea to look at buying a used car rather than a new one.
      If you only need to borrow a smaller amount, such as under $3,000, you can also compare lenders who offer loans to Centrelink recipients and other government and community assistance programs that you can apply.

      Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you.


    Default Gravatar
    danielJanuary 25, 2015

    Hi im on single parenting payments with family tax benefits part A & part B totalling $1490p/f that’s about nearly $36000p/a with expenses of $1880 monthly am I eligible to make a loan for a house as a first home buyer using my regular pension and my family tax benefit as my proof of income to approve a loan?

    I have read online that Bendigo Bank generally accepts centerlink benefits as a source of income on a case by case basis, how much is the interest rate for personal or home loans?

    I would like to borrow about %150,000-$200,000 as a first home buyers loan for a home which is 15km from Scottsdale north east Tasmania in south springfield its a rural 3 bedroom home on a 1080metre squared block of level land.

      Avatarfinder Customer Care
      JonathanJanuary 28, 2015Staff

      Hi Daniel,

      Thanks for your inquiry.

      Please refer to Latest home loan offers for home loans, repayment calculator and the different lenders. The interest rate varies depending on the lender.

      I hope this helps.



    Default Gravatar
    suzanneJanuary 22, 2015

    Im on a disability pension would I be able to get a small loan from my bank an pay back each fortnight

      Avatarfinder Customer Care
      JonathanJanuary 22, 2015Staff

      Hi Suzanne,

      Thanks for your inquiry,

      While disability support pension is generally accepted, some lenders will not accept this as a form of income. You can check our Centrelink loan options page to know which lender may consider you for a small loan.

      On that page, there’s also a table that lists possible lenders. You can click the name of the lender to be redirected to our review page and learn more about the lender’s loan offer, rates, and requirements as well as the pros and cons of using their loan service. When you are ready, you may then click on the “Go to site” button if available and you will be redirected to the lender’s website where you can proceed with the application or get in touch with their representatives for further inquiries you may have.

      Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions.

      I hope this helps!



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