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 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 of 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
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 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.
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
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. Find out more about their rewards program.
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:
- 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
- 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.