Bendigo Bank Credit Cards

Bendigo Bank offers credit cards to suit different needs, and its offerings include low rate cards, reward cards, platinum cards, and cards that support RSPCA.

Comparison of Bendigo Bank Credit Cards

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Name	Product	Purchase rate (p.a.)	Balance transfer rate (p.a.)	Annual fee	Product Description
Bendigo Bank Basic Black Credit Card		12.24% p.a.		$45 p.a.	A no-frills card that allows you to receive up to 44 interest-free days on purchases and add an additional cardholder for $0.	Go to site More info	Compare	loading Fetching your data...
Bendigo Bank Ready Red credit card		19.74% p.a.		$45 p.a.	Earn 1 reward point per dollar spent on eligible purchases and cash advances, plus enjoy up to 44 interest-free days on purchases.	More info	Compare	loading Fetching your data...
Bendigo Bank Platinum Rewards Visa		18.99% p.a.		$119 p.a.	Get rewarded for every $1 spent on eligible purchases and balance transfers. Plus, enjoy a range of premium benefits.	More info	Compare	loading Fetching your data...
Bendigo Bank Just Business Mastercard		13.99% p.a.		$48 p.a.	A business card with flexible liability arrangements, competitive interest rates and up to 44 days interest-free on purchases.	More info	Compare	loading Fetching your data...
Bendigo Bank RSPCA Rescue Rewards		7.89% p.a. for 6 months (reverts to 19.64% p.a.)	7.89% p.a. for 6 months	$24 p.a.	Automatically donate a tax-deductible $5 per month to the RSPCA, plus earn Bendigo Bank Rewards points.	More info	Compare	loading Fetching your data...
Bendigo Bank RSPCA Rescue Visa		7.89% p.a. for 6 months (reverts to 15.49% p.a.)	7.89% p.a. for 6 months	$24 p.a.	The RSPCA's Adopt A Pet program receives a percentage of the revenue generated from purchases made using this card.	More info	Compare	loading Fetching your data...

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Types of credit cards that Bendigo Bank offers

Bendigo Bank offers a variety of credit cards to suit different types of cardholders. If you’re turning to Bendigo Bank for a new credit card, here are some the card options you can compare:

• Low rate credit cards

If you struggle to repay your account's closing balance in full each month, the Basic Black Visa and Mastercard credit card could help keep your interest costs low. This card charges a low ongoing rate of 12.24% p.a. on purchases, cash advance and balance transfers. If you do pay your balance in full, you can take advantage of up to 44 interest-free days on purchases.

Learn more about Low Rate Credit Cards

• Rewards credit cards

If you want to earn rewards as per your spending, the Bendigo Bank Ready Red Visa or Mastercard could help you get extra value from your credit card. Allowing you to earn up to 1 point per $1 spent on eligible purchases, you can redeem points for Flight Centre gift cards, homewares, travel accessories, tech gadgets and more through the Bendigo Bank Rewards store.  Plus, existing Bendigo Bank home loan customers and Bendigo and Adelaide Bank shareholders can take advantage of exclusive interest rate discounts. If you pay your balance in full, you can also look forward to up to 44 interest-free days on purchases.

Learn more about Rewards Credit Cards

• Credit cards that support RSPCA

Do you want to make a difference with your dollars? The RSPCA Rescue Visa credit card and the RSPCA Rescue Rewards Visa credit card contribute to RSPCA’s Adopt-a-Pet program. While the former contributes a percentage of each purchase, the latter makes a set contribution of three dollars per month. Both these cards come with introductory interest rate offers for six months that applies to purchases, cash advances, and balance transfers. These cards offer interest-free days on purchases as well.

• Platinum credit cards

If you’re looking for a credit card that comes with a bunch of extra benefits, consider getting a platinum card. The Bendigo Bank Platinum Visa Credit Card comes linked to the Be Rewarded program, it provides complimentary insurance covers, a 24/7 concierge service, various travel discounts as well as Visa Front Line access. This card also offers up to 55 interest-free days on purchases.

Learn more about Platinum Credit Cards

• Business credit cards

If you're an employer, you can consider using the Just Business Mastercard credit card to manage your business expenses under the one card. You can take advantage of global acceptance, multiple cards with individual credit limits linked to a single account and accounting software like MYOB. You'll also be able to earn up to 1.5 Bendigo Bank Rewards points, complimentary insurances and more.

Learn more about Business Credit Cards

Benefits of banking with Bendigo Bank

• Access funds easily

No matter whether you get a Mastercard or Visa credit card, you can look forward to using your card at EFTPOS terminals and ATMs internationally. You can also use your card for online and over-the-phone transactions.

• Personalise your card

Bendigo Bank gives you the ability to customise your credit card using an image you provide, and you can also pick a picture from its large gallery of images.

• Rewards

Through the Be Rewarded program, Bendigo Bank gives its rewards cardholders the ability to accumulate reward points and then redeem them for rewards from categories like gifts, home, technology, kids, and more.

• Contactless payments

You can use your Bendigo Bank credit card to make contactless payments of less than $100, owing to Visa’s payWave and Mastercard’s PayPass technologies.

• Complimentary insurances

People looking for complimentary insurance covers can make use of complimentary transport accident insurance, overseas travel insurance, domestic flight inconvenience insurance, global hire car excess waiver, purchase protection insurance, extended warranty insurance, and best price guarantee through their Bendigo Bank Platinum credit cards.

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

• Applicants must be at least 18 years of age
• You must be a permanent Australian resident or an Australian citizen
• You're required to have a good credit history

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 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