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Bendigo Bank Credit Cards

From saving money on rates and fees to earning rewards and supporting the RSPCA, 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, 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

Bendigo Bank Low Rate Mastercard

11.99% p.a. interest rate on purchases
$0 annual fee for the first year

Offer ends 31 January 2019

Eligibility criteria, terms and conditions, fees and charges apply

Bendigo Bank Credit Card

Bendigo Bank offers a low ongoing purchase interest rate and a long interest-free period.

  • $0 p.a. annual fee for the first year ($45 p.a. thereafter).
  • 11.99% p.a. on purchases
  • Cash advance rate of 13.99% p.a.
  • Up to 55 days interest free
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Bendigo Bank Credit Card Comparison

Rates last updated December 15th, 2018
Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate (p.a.) Product Description
Bendigo Bank Low Rate Mastercard
11.99% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($45 p.a. thereafter)
A no-frills card with a low variable purchase interest rate of 11.99% p.a. and a $0 first year annual fee.
Bendigo Bank Platinum Rewards Mastercard
19.99% p.a.
Up to 55 days on purchases
$89 p.a.
Get 75,000 bonus points when you spend $2,500 within 90 days. Plus, access to complimentary insurance covers and Mastercard Priceless Cities.
Bendigo Bank Low Rate First Mastercard
11.99% p.a.
Up to 55 days on purchases
$29 p.a.
Exclusively for customers aged 18 to 25 years, this card gives you up to 55 interest-free days and a low variable interest rate on purchases.
Bendigo Bank Low Rate Platinum Mastercard
11.99% p.a.
Up to 55 days on purchases
$89 p.a.
Offers premium features such as mobile phone and tablet insurance and purchase protections, plus, up to 55 days interest-free on purchases.
Bendigo Bank RSPCA Mastercard
19.99% p.a.
Up to 55 days on purchases
$45 p.a.
The RSPCA's Adoptapet program receives a percentage of the revenue generated from purchases made using this card with a low $45 annual fee.
Bendigo Bank Qantas Platinum Mastercard
19.99% p.a.
Up to 55 days on purchases
$149 p.a.
Earn Qantas Points on eligible spend, plus enjoy 180 days of comprehensive travel insurance and extended warranty on purchases.
Bendigo Bank Qantas Business Mastercard
19.99% p.a.
Up to 55 days on purchases
$89 p.a.
Earn Qantas Points on eligible purchases and get access to domestic travel insurance and extended warranty on purchases.
Bendigo Bank Business Credit Mastercard
13.99% p.a.
Up to 44 days on purchases
$48 p.a.
A business card with flexible liability arrangements, competitive rates and gives you the ability to personalise your card.

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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, 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:

  • 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.

  • 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.

  • 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 Mastercard. Find out more about their rewards program.

  • Complimentary insurances

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:

Eligibility criteria

  • 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

Required documents/information

  • 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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Credit Card Offers

Important Information*
Citi Clear Platinum Credit Card

Interest rate

12.99

Annual fee

0*

*$99 p.a. after first year

ANZ Low Rate

Interest rate

12.49

Annual fee

58
Suncorp Clear Options Platinum Credit...

Interest rate

20.74

Annual fee

49*

*$129 p.a. after first year

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36 Responses

  1. Default Gravatar
    May 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 Customer Care
      JeniMay 4, 2018Staff

      Hi Dee,

      Thank you for getting in touch with finder.

      As a friendly reminder, while we do not represent any company we feature on our pages, we can offer you general advice.

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

      If you have time to look around, you may want to visit this page for list of travel cards that you can use abroad.

      I hope this helps.

      Have a great day!

      Cheers,
      Jeni

  2. Default Gravatar
    JamieFebruary 1, 2016

    Does bendigo offer over draft account loans

    • finder 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.

      Cheers,

      Jonathan

  3. 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

    • finder Customer Care
      JonathanFebruary 27, 2015Staff

      Hi Brittany, thanks for your inquiry!

      Please see this page for more information on loans for people on centrelink payments, with personal loan options and a list of credit card lenders who accept centrelink benefits as a form of income.

      Cheers,

      Jonathan

  4. 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.

    • finder Customer Care
      JonathanJanuary 28, 2015Staff

      Hi Daniel,

      Thanks for your inquiry.

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

      I hope this helps.

      Cheers,

      Jonathan

  5. 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

    • finder Customer Care
      JonathanJanuary 22, 2015Staff

      Hi Suzanne,

      Thanks for your inquiry,

      Credit card applications have minimum income requirements which vary from lender to lender, for a list of lenders that accept centrelink as a form of income please see this page. Please note that lenders have individual lending policies. Each lender will need to assess your financial and personal situation to be able to advise on your options and eligibility.

      I hope this helps!

      Cheers,

      Jonathan

  6. Default Gravatar
    tinaJanuary 9, 2015

    Hi, I have been a client of Bendigo for 8 yrs now, I’m on the pension and family tax benefit a+b and wondering if you do personal loans?

    • finder Customer Care
      JonathanJanuary 12, 2015Staff

      Hi Tina,

      Thanks for your question,

      We are actually a financial-products comparison service so unfortunately we do not provide personal loans on-site. However personal loans are available with Bendigo Bank, with more information in regards to the types of loans available and the application criteria on this page.

      I hope this has helped.

      Cheers,

      Jonathan

  7. Default Gravatar
    BrendanNovember 9, 2014

    what happens if I pay with my credit card and don’t receive the goods

    • finder Customer Care
      ElizabethNovember 10, 2014Staff

      Hi Brendan,

      Thanks for your question.

      If this happens and you are unable to receive a refund from the retailer, you may be able to reverse the transaction on your credit card. Please see this page for more information.

      I hope this has helped.

      Thanks,

      Elizabeth

  8. Default Gravatar
    GeeSeptember 19, 2014

    Hi, does Bendigo offer a business credit card?

    • finder Customer Care
      ShirleySeptember 19, 2014Staff

      Hi Gee,

      Thanks for your question.

      Yes, they do. I’ve emailed you a link to this.

      All the best,
      Shirley

  9. Default Gravatar
    LenAugust 13, 2014

    How.do I buy an iPhone through Bendigo to gain reward points.

    • finder Customer Care
      JeremyAugust 13, 2014Staff

      Hi Len

      Thanks for your question. Bendigo offers rewards through it’s Platinum, Ready Red and RSPCA Rescue Rewards credit cards. Any eligible purchases on those cards will earn you Bendigo Rewards points.

      Please let me know if you have any further questions I can help with.

      Thanks,
      Jeremy

  10. Default Gravatar
    peterNovember 17, 2013

    I need help. I’m on the pension, I earn a steady income and, I keep getting, ‘sorry but cant help u at this time’ from the banks. Is there a place I can get a credit card from that will be glad to help me.

    • finder Customer Care
      JacobNovember 18, 2013Staff

      Hi Peter.

      Thanks for your question.

      You may want to have a look at our low rate credit card comparison page. Click on the card name to read a review of the card. If you would like to compare more than one card, please click on the check box to the left of the card name, and then click compare at the top or bottom of the table. This will let you compare a number of cards in a side by side comparison. Look for the minimum income requirement for each card. This will let you know how much you need to be earning before you can apply for a card. The pension is considered a form of income.

      I hope this helps.

Credit Cards Comparison

Rates last updated December 15th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
NAB Low Fee Platinum Card - Exclusive Offer
19.74% p.a.
0% p.a. for 25 months
$90 p.a.
finder Exclusive: Take advantage of 0% p.a. interest for 25 months on balance transfers with no balance transfer fee. Ends 16 December 2018
More info
Citi Clear Platinum Credit Card
12.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers a 0% p.a. for 14 months balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks.
Suncorp Clear Options Platinum Credit Card - Online Offer
20.74% p.a.
0% p.a. for 18 months
$49 p.a. annual fee for the first year ($129 p.a. thereafter)
Save with a 0% balance transfer offer and earn up to 60,000 Bonus Rewards Points. Plus, a discounted first year annual fee when you apply online.
ANZ Low Rate
12.49% p.a.
0% p.a. for 15 months
$58 p.a.
Save with a 0% p.a. introductory rate on balance transfers for 15 months with no BT fee. Plus a low 12.49% p.a. interest rate on purchases.

Compare up to 4 providers

* 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.

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