Bendigo Bank credit cards can suit many different people, with low rate and low fee options and rewards cards. 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 Offer
Bendigo Bank Low Rate Mastercard
0% p.a. for 18 months on balance transfers
Offer ends 30 April 2020
Eligibility criteria, terms and conditions, fees and charges apply
Bendigo Bank Credit Card Offer
Save with an interest-free introductory offer on balance transfers. Plus, a competitive annual fee and a low interest rate on purchases.
0% p.a. on balance transfers for 18 months, with 2% balance transfer fee
Purchase rate of 11.99% p.a. | Cash advance rate of 13.99% p.a.
Annual fee of $45 for primary cardholders and $0 for additional cardholders
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, 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. 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.
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
Permanent Australian residents and Australian citizens are eligible to apply. Temporary residents are eligible to apply as long as you have a 188, 457 or 489 visa, have applied for permanent residency and have at least 12 months remaining on the visa.
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
With all the required information nearby, you should be able to complete the application in around 15 minutes.
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.
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.
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.
You get to redeem your reward points through the Bendigo Bank Rewards website.
Bendigo Bank reward points expire after 36 months.
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.
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.
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?
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.
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.
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.
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.
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.
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.
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.
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.
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.
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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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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?
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
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.