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
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.
Does bendigo offer over draft account loans
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
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
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
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.
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
Im on a disability pension would I be able to get a small loan from my bank an pay back each fortnight
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
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?
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
what happens if I pay with my credit card and don’t receive the goods
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
Hi, does Bendigo offer a business credit card?
Hi Gee,
Thanks for your question.
Yes, they do. I’ve emailed you a link to this.
All the best,
Shirley
How.do I buy an iPhone through Bendigo to gain reward points.
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
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.
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.
Do you get flyer points on a visa debit card or just on credit cards? Thanks.
Hi Aaron.
Generally it’s just credit cards that earn rewards and frequent flyer points. But there are debit cards that do come with extra features like purchase protection and extended warranty insurance. You can read more about this here.
Thanks for your question.