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.

Comparison of Bendigo Bank Credit Cards

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Name	Product	Purchase rate (p.a.)	Interest Free Period	Annual fee	Balance transfer rate (p.a.)	Product Description
Bendigo Bank Platinum Rewards Mastercard		19.99% p.a.	Up to 55 days on purchases	$89 p.a.		Earn 1.5 Bendigo Rewards points per $1 spent. Receive complimentary insurance covers, plus, access to Mastercard Priceless Cities.	More info	Compare	loading Fetching your data...
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 first year annual fee waiver, a low variable purchase interest rate of 11.99% p.a. and up to 55 interest-free days on purchases.	More info	Compare	loading Fetching your data...
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.	More info	Compare	loading Fetching your data...
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.	More info	Compare	loading Fetching your data...
Bendigo Bank Qantas Platinum Mastercard		19.99% p.a.	Up to 55 days on purchases	$149 p.a.		Earn 0.6 Qantas Points per $1 spent on eligible purchases, get 180 days of comprehensive travel insurance and extended warranty on purchases.	More info	Compare	loading Fetching your data...
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.	More info	Compare	loading Fetching your data...
Bendigo Bank Just Business Mastercard		13.99% p.a.	Up to 44 days on purchases	$48 p.a.		A business card with flexible liability arrangements, competitive rates and up to 44 days interest-free on purchases that charges a monthly fee.	More info	Compare	loading Fetching your data...

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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.

Learn more about Low Rate Credit Cards

• 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.

Learn more about Rewards Credit Cards

• 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.

Compare Frequent Flyer Credit Cards

• 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.

Learn more about Platinum Credit Cards

• 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 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 such as MYOB.

Learn more about Business Credit Cards

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

• How quickly can I complete an online application?

  With all the required information nearby, you should be able to complete the application in around 15 minutes.

• How can I apply for a Bendigo Bank credit card credit limit increase?

  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.

• Does Bendigo Bank provide additional cards?

  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.

• How do I find out how many rewards points I’ve accumulated?

  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.

• How do I redeem my points?

  You get to redeem your reward points through the Bendigo Bank Rewards website.

• When do my reward points expire?

  Bendigo Bank reward points expire after 36 months.

• What is the history of Bendigo Bank?

  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.

• 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.