Bendigo Bank Credit Cards

bendigo-bank-logo

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.

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.

Bendigo Bank’s array of financial services and products include transaction accounts, savings accounts, term deposits, credit cards, personal loans, home loans, as well as insurance solutions. When it comes to getting a Bendigo Bank credit card, you get multiple options from which to choose, which include Visa and MasterCard affiliated cards.

Comparison of Bendigo Bank Credit Cards

Rates last updated December 7th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Bendigo Bank Black Basic Credit Card
Features a low annual fee and interest rate and get up to 44 interest-free days.
12.24% p.a. $45 p.a. More info
Bendigo Bank Ready Red Credit Card
Enjoy up to 44 interest free days after a purchase and no interest will be charged.
19.74% p.a. $45 p.a. More info
Bendigo Bank Platinum Credit Card
Get rewarded for every dollar spent plus up to 55 days interest free on your purchases.
18.99% p.a. $119 p.a. More info
Bendigo Bank Just Business MasterCard Credit Card
Enjoy low interest rates plus a low annual fee of $48 p.a.
13.99% p.a. $48 p.a. More info
Bendigo Bank RSPCA Rescue Rewards Visa
Up to 55 interest free days plus an introductory interest rate offer on purchases.
7.89% p.a. for 6 months (reverts to 19.64% p.a.) 7.89% p.a. for 6 months $24 p.a. More info

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.

Rates last updated December 7th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
Bendigo Bank Black Basic Credit Card
Features a low annual fee and interest rate and get up to 44 interest-free days.
12.24% p.a. $45 p.a. Up to 44 days on purchases More info
Rates last updated December 7th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
ANZ Low Rate Platinum Credit Card
$250 Back plus 0% p.a. for the first 6 months on purchases from approval.
0% p.a. for 6 months (reverts to 13.49% p.a.) $99 p.a. Up to 55 days on purchases Go to site More info
NAB Low Fee Card
Enjoy a low introductory rate of 0% p.a. on balance transfers and purchases for 15 months.
0% p.a. for 15 months (reverts to 19.74% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $30 p.a. Up to 44 days on purchases Go to site More info
ME Bank frank Credit Card
A low interest rate on purchases and cash advances with no annual fee charge.
11.99% p.a. $0 p.a. Up to 55 days on purchases Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Up to 55 days on purchases Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $59 p.a. Up to 55 days on purchases Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
Westpac Low Rate Card
A simple low interest rate card featuring a low ongoing rate on purchases, up to 55 days interest-free on purchases and a low annual fee.
1% p.a. for 12 months (reverts to 13.49% p.a.) 0% p.a. for 16 months $59 p.a. Up to 55 days on purchases Go to site More info
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 18 months and an introductory purchase offer of 1% p.a. for 12 months with an annual fee waiver for the first year.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Up to 55 days on purchases Go to site More info
Coles Low Rate MasterCard
A low rate MasterCard with a competitive rate on purchases and a low annual fee.
12.99% p.a. 0% p.a. for 6 months $49 p.a. Up to 62 days on purchases Go to site More info
Bank of Melbourne Vertigo Visa Credit Card
Enjoy a low annual fee combined with 0% p.a. balance transfer offer for 18 months and 1% p.a. for up to 12 months on purchases.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
Bank of Melbourne Vertigo Platinum
A platinum card with a low balance transfer offer of 0% p.a. interest for 18 months and 1% p.a. for 12 months on purchases combined with complimentary insurance covers.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Up to 55 days on purchases Go to site More info
Australian Military Bank Low Rate Visa Credit Card
Enjoy a low interest rate of 10.99% p.a. on purchases, combined with a balance transfer offer of 0% p.a. for 12 months and a low annual fee.
10.99% p.a. 0% p.a. for 12 months $49 p.a. Up to 55 days on purchases Go to site More info
ANZ Low Rate
$100 Back plus 0% p.a. for the first 6 months on purchases from approval.
0% p.a. for 6 months (reverts to 13.49% p.a.) $58 p.a. Up to 55 days on purchases Go to site More info
BankSA Vertigo Visa
Enjoy a low balance transfer offer of 0% p.a. for 18 months and a low ongoing purchase rate from BankSA.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
Citi Clear Platinum Card
Enjoy 0% p.a. for 9 months interest-free purchasing and 0% p.a. for 9 months on balance transfers.
0% p.a. for 9 months (reverts to 14.99% p.a.) 0% p.a. for 9 months $99 p.a. Up to 55 days on purchases Go to site More info
BankSA Vertigo Platinum
Experience Platinum card benefits with complimentary insurance policies and 24/7 Visa Platinum Concierge Service. Get 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months if you apply by 4 January 2017.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Up to 55 days on purchases Go to site More info
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.

Rates last updated December 7th, 2016
Rewards Points per $ spent (AMEX) Rewards Points per $ spent (VISA/MC) Bonus Points Annual fee
Bendigo Bank Ready Red Credit Card
Enjoy up to 44 interest free days after a purchase and no interest will be charged.
0 1 $45 p.a. More info
Rates last updated December 7th, 2016
Rewards Points per $ spent (AMEX) Rewards Points per $ spent (VISA/MC) Bonus Points Annual fee
American Express Explorer Credit Card
Receive 100,000 Membership Rewards Bonus Points on eligible spend within the first 2 months of Card Membership. Also enjoy a $400 travel voucher and two complimentary airline passes per year.
2 100,000 bonus points $395 p.a. Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
1 $0 p.a. Go to site More info
HSBC Platinum Credit Card
Enjoy an annual fee refund every year if you meet the spend requirement with a balance transfer offer, high credit limits and prestige services including a personal concierge service and VISA Platinum rewards program.
0 1 $149 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
0 1 60,000 bonus points $199 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn bonus Velocity Points in the first 3 months plus a low balance transfer offer of 0% p.a. for 18 months
0 0.66 $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
NAB Qantas Rewards Premium Card - Exclusive Offer
Get 75,000 bonus Qantas Points plus enjoy a low promotional offer of 4.99% p.a. for 6 months on balance transfers.
1.5 0.5 75,000 bonus points $250 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Earn Velocity Points plus enjoy an introductory interest-free offer of 0% p.a. on purchases for 12 months, and 0% p.a. for 6 months on balance transfers.
0 0.66 $129 p.a. Go to site More info
ANZ Rewards Platinum
Earn points for every dollar spent on purchases plus a 50,000 Reward Points after your first eligible purchase is made within 3 months of card approval.
2 1 50,000 bonus points $95 p.a. Go to site More info
American Express Velocity Platinum Card
Enjoy up to 50,000 bonus Velocity Points when you meet the minimum required spend and earn up to 3 rewards points per dollar spent. Also receive a complimentary return flight every year.
1 0 50,000 bonus points $349 p.a. Go to site More info
American Express Platinum Edge Credit Card
Receive 10,000 Membership Rewards Bonus Points when you meet the minimum spend requirement. Enjoy a $200 travel credit every year and get 0% p.a. for 12 months on balance transfers.
1 0 10,000 bonus points $195 p.a. Go to site More info
ANZ Rewards Travel Adventures card
Pay no overseas transaction fee on purchases and receive complimentary domestic return flight and lounge passes each year you hold the card when you spend $500 on eligible purchases within the first three months.
2 1 $225 p.a. Go to site More info
Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
Receive 30,000 bonus Velocity Points and earn 1 Velocity Points per $1 spent. Receive an exclusive $129 Virgin Australia Gift Voucher and two complimentary Single Entry Virgin Australia domestic Lounge passes each year.
0 1 30,000 bonus points $144 p.a. annual fee for the first year ($289 p.a. thereafter) Go to site More info
American Express Qantas Discovery Card
A no annual fee frequent flyer credit card with Earn 7,500 bonus points and enjoy 0% p.a. on balance transfers for 12 months when you apply and are approved. Earn 1 Qantas Point per $1 spend.
1 0 7,500 bonus points $0 p.a. Go to site More info
American Express Velocity Escape Card
Enjoy 7,500 bonus Velocity Points when you meet the minimum spend requirement and earn up to 2 points for every $1 you spend, together with a $0 annual fee.
1 0 7,500 bonus points $0 p.a. Go to site More info
Westpac Altitude Black - Exclusive Offer
Earn 100,000 bonus points when you spend $5,000 on eligible purchases, choose between two reward programs offering Altitude or Qantas Rewards and receive premium cardholder benefits.
3 1.25 100,000 bonus points $395 p.a. Go to site More info
American Express Qantas Premium Card
Earn as much as 30,000 bonus Qantas Points when you meet the minimum spend requirement. Enjoy frequent flyer benefits including uncapped Qantas Points per $1 spent, complimentary travel insurance and Qantas Club lounge invitations.
1 0 30,000 bonus points $249 p.a. Go to site More info
David Jones American Express Platinum Card
Receive 40,000 Membership Rewards points or 30,000 Qantas Points. Plus earn up to 4 rewards point per $1 spend.
1 40,000 bonus points $295 p.a. Go to site More info
Citi Qantas Signature Credit Card
Earn up to 50,000 bonus Qantas Points when you spend $2,000 or more on eligible purchases in the first 90 days. Plus, enjoy introductory interest rates on balance transfers and purchases with a discounted annual fee of $199 in the first year.
0 1 50,000 bonus points $199 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
American Express Platinum Business Card
Receive 100,000 bonus points when you meet the minimum spend requirement and earn up to 2 Membership Rewards points for every dollar spent.
1 0 100,000 bonus points $1,500 p.a. Go to site More info
Commonwealth Bank Business Platinum Awards Credit Card
Earn up to 3 Awards points per dollar spent and enjoy a range complimentary insurances.
3 1 $300 p.a. Go to site More info
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.

Rates last updated December 7th, 2016
Rewards Points per $ spent (AMEX) Rewards Points per $ spent (VISA/MC) Bonus Points Annual fee
Bendigo Bank RSPCA Rescue Visa
Get a low introductory interest rate on purchases and a low annual fee.
$24 p.a. More info
  • 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.

Rates last updated December 7th, 2016
Points per $ spent Complimentary Travel Insurance Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Bendigo Bank Platinum Credit Card
Get rewarded for every dollar spent plus up to 55 days interest free on your purchases.
VISA/MC: 1.5 AMEX: 0 Yes 18.99% p.a. $119 p.a. More info
Rates last updated December 7th, 2016
Points per $ spent Complimentary Travel Insurance Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
ANZ Low Rate Platinum Credit Card
$250 Back plus 0% p.a. for the first 6 months on purchases from approval.
Yes 0% p.a. for 6 months (reverts to 13.49% p.a.) $99 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
VISA/MC: 1 AMEX: 0 Yes 19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
NAB Qantas Rewards Premium Card - Exclusive Offer
Get 75,000 bonus Qantas Points plus enjoy a low promotional offer of 4.99% p.a. for 6 months on balance transfers.
VISA/MC: 0.5 AMEX: 1.5 Yes 19.99% p.a. 4.99% p.a. for 6 months $250 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn bonus Velocity Points in the first 3 months and a low 0% p.a. for 18 months on balance transfers. Receive a free Virgin Australia $129 Gift Voucher each year. Available from mid-2016.
VISA/MC: 0.66 AMEX: 0 No 20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Also, enjoy an annual fee waiver in the first year.
VISA/MC: 0 AMEX: 0 Yes 0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
VISA/MC: 1 AMEX: 0 Yes 19.99% p.a. $199 p.a. Go to site More info
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 18 months and an introductory purchase offer of 1% p.a. for 12 months with an annual fee waiver for the first year.
VISA/MC: 0 AMEX: 0 Yes 1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Go to site More info
Citi Rewards Credit Card - Platinum Card
Enjoy a long term balance transfer offer and earn 1.25 Citi Reward Points on per $1 spent for all domestic purchases.
VISA/MC: 1.25 AMEX: 0 Yes 20.99% p.a. 0% p.a. for 24 months with 1.5% balance transfer fee $199 p.a. annual fee for the first year ($249 p.a. thereafter) Go to site More info
American Express Platinum Edge Credit Card
Receive 10,000 Membership Rewards Bonus Points when you meet the minimum spend requirement. Enjoy a $200 travel credit every year and get 0% p.a. for 12 months on balance transfers.
VISA/MC: 0 AMEX: 1 Yes 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $195 p.a. Go to site More info
Bank of Melbourne Vertigo Platinum
A platinum card with a low balance transfer offer of 0% p.a. interest for 18 months and 1% p.a. for 12 months on purchases combined with complimentary insurance covers.
VISA/MC: 0 AMEX: 0 Yes 1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Go to site More info
Citi Qantas Signature Credit Card
Earn up to 50,000 bonus Qantas Points when you spend $2,000 or more on eligible purchases in the first 90 days. Plus, enjoy introductory interest rates on balance transfers and purchases with a discounted annual fee of $199 in the first year.
VISA/MC: 1 AMEX: 0 Yes 20.99% p.a. 0% p.a. for 6 months $199 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
American Express Velocity Platinum Card
Enjoy up to 50,000 bonus Velocity Points when you meet the minimum required spend and earn up to 3 rewards points per dollar spent. Also receive a complimentary return flight every year.
VISA/MC: 0 AMEX: 1 Yes 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $349 p.a. Go to site More info
ANZ Frequent Flyer Platinum
Get 50,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases within the first 3 months. Enjoy a waived annual fee for the first year and earn up to 1.5 Qantas Points per dollar spent.
VISA/MC: 0.5 AMEX: 1.5 Yes 19.99% p.a. $0 p.a. annual fee for the first year ($295 p.a. thereafter) Go to site More info
American Express Explorer Credit Card
Receive 100,000 Membership Rewards Bonus Points on eligible spend within the first 2 months of Card Membership. Also enjoy a $400 travel voucher and two complimentary airline passes per year.
2 Yes 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $395 p.a. Go to site More info
ANZ Rewards Travel Adventures card
Pay no overseas transaction fee on purchases and receive complimentary domestic return flight and lounge passes each year you hold the card when you spend $500 on eligible purchases within the first three months.
VISA/MC: 1 AMEX: 2 Yes 20.24% p.a. $225 p.a. Go to site More info
American Express Qantas Premium Card
Earn as much as 30,000 bonus Qantas Points when you meet the minimum spend requirement. Enjoy frequent flyer benefits including uncapped Qantas Points per $1 spent, complimentary travel insurance and Qantas Club lounge invitations.
VISA/MC: 0 AMEX: 1 Yes 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $249 p.a. Go to site More info
Citi Rewards Platinum Card - Cashback Offer
Earn $250 cashback on eligible spend, plus enjoy 0% p.a. balance transfer offer for 12 months, discounted annual fees for the life of the card and a complimentary travel insurance.
VISA/MC: 1.25 AMEX: 0 Yes 20.99% p.a. 0% p.a. for 12 months $99 p.a. annual fee for the first year ($199 p.a. thereafter) Go to site More info
American Express Platinum Card
Receive 100,000 Membership Rewards Bonus Points when you meet the minimum spend requirement and earn up to 3 points per dollar spent. Gain access to travel insurance, $300 Platinum Travel Credit every year and access to 900 VIP airport lounges.
VISA/MC: 0 AMEX: 1 Yes $1,200 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
An interest-free period on both purchases and balance transfers.
VISA/MC: 0.66 AMEX: 0 No 0% p.a. for 12 months (reverts to 20.74% p.a.) 0% p.a. for 6 months $129 p.a. Go to site More info
Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
Receive 30,000 bonus Velocity Points and earn 1 Velocity Points per $1 spent. Receive an exclusive $129 Virgin Australia Gift Voucher and two complimentary Single Entry Virgin Australia domestic Lounge passes each year.
VISA/MC: 1 AMEX: 0 Yes 20.74% p.a. 1.9% p.a. for 15 months $144 p.a. annual fee for the first year ($289 p.a. thereafter) Go to site More info
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.

Rates last updated December 7th, 2016
Bonus Points Points per $ spent Complimentary Travel Insurance Cover Annual fee Minimum Income
Bendigo Bank Just Business MasterCard Credit Card
Enjoy low interest rates plus a low annual fee of $48 p.a.
0 months $48 p.a. More info
Rates last updated December 7th, 2016
Bonus Points Points per $ spent Complimentary Travel Insurance Cover Annual fee Minimum Income
Commonwealth Bank Business Interest-Free Days Credit Card
Take advantage of $0 annual fee for the first year and receive $250 cash back (spend $500 by 31 March 2017).
$0 p.a. annual fee for the first year ($60 p.a. thereafter) Go to site More info
Commonwealth Bank Business Platinum Awards Credit Card
Earn up to 3 Awards points per dollar spent and enjoy a range complimentary insurances.
VISA/MC: 1 AMEX: 3 6 months $300 p.a. Go to site More info
American Express Platinum Business Card
Receive 100,000 bonus points, earn up to 2 Membership Rewards points for every dollar spent, complimentary insurances and access to 800 VIP Lounges in 100 countries.
100,000 bonus points VISA/MC: 0 AMEX: 1 6 months $1,500 p.a. $75,000 Go to site More info
American Express Business Card
One of the original charge cards from American Express that offers complimentary insurances including purchase protection and accident cover.
VISA/MC: 0 AMEX: 1 0 months $109 p.a. $24,000 Go to site More info
American Express Gold Business Card
Receive 10,000 bonus points on signup and earn 1 Membership Rewards points per $1 spent with uncapped earnings.
10,000 bonus points VISA/MC: 0 AMEX: 1 0 months $169 p.a. $24,000 Go to site More info
American Express Velocity Business Card
A truly dedicated business rewards credit card. Download all your card expenses in a format readable by Quicken, MYOB, Microsoft Excel and more.
VISA/MC: 0 AMEX: 1 0 months $249 p.a. $24,000 Go to site More info
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

How quickly can I complete an online application?

With all the required information nearby, you should be able to complete the application in around 10 minutes.

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 in three years.
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34 Responses to Bendigo Bank Credit Cards

  1. Default Gravatar
    Jamie | February 1, 2016

    Does bendigo offer over draft account loans

    • Staff
      Jonathan | February 3, 2016

      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

  2. Default Gravatar
    Brittany | February 27, 2015

    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

    • Staff
      Jonathan | February 27, 2015

      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

  3. Default Gravatar
    daniel | January 25, 2015

    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.

    • Staff
      Jonathan | January 28, 2015

      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

  4. Default Gravatar
    suzanne | January 22, 2015

    Im on a disability pension would I be able to get a small loan from my bank an pay back each fortnight

    • Staff
      Jonathan | January 22, 2015

      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

  5. Default Gravatar
    tina | January 9, 2015

    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?

    • Staff
      Jonathan | January 12, 2015

      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

  6. Default Gravatar
    Brendan | November 9, 2014

    what happens if I pay with my credit card and don’t receive the goods

    • Staff
      Elizabeth | November 10, 2014

      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

  7. Default Gravatar
    Gee | September 19, 2014

    Hi, does Bendigo offer a business credit card?

    • Staff
      Shirley | September 19, 2014

      Hi Gee,

      Thanks for your question.

      Yes, they do. I’ve emailed you a link to this.

      All the best,
      Shirley

  8. Default Gravatar
    Len | August 13, 2014

    How.do I buy an iPhone through Bendigo to gain reward points.

    • Staff
      Jeremy | August 13, 2014

      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

  9. Default Gravatar
    peter | November 17, 2013

    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.

    • Staff
      Jacob | November 18, 2013

      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.

  10. Default Gravatar
    aaron | October 30, 2013

    Do you get flyer points on a visa debit card or just on credit cards? Thanks.

    • Staff
      Jacob | October 31, 2013

      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.

Credit Cards Comparison

Rates last updated December 7th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
11.99% p.a. $0 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $59 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
19.99% p.a. $199 p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are 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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