In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
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Bendigo Bank Bright Credit Card
Terms and conditions apply
Balance transfer rate with no balance transfer fee
19.99% p.a.
Purchase rate
9.99% p.a.
Annual fee
$59 p.a.
Interest-free on purchases
Up to 55 days

Our verdict

This low rate credit card charges 9.99% p.a. on purchases, with a $59 annual fee.

The Bendigo Bank Bright Credit Card gives you a way to save on costs with a low 9.99% p.a. interest rate for purchases that's very competitive with other low rate cards currently on the market. Its $59 annual fee is also similar to other low rate cards.

Pros

  • Low 9.99% p.a. interest rate for purchases
  • Competitive $59 p.a. annual fee
  • No additional cardholder fee

Cons

  • No introductory offers on purchases and balance transfers
  • 3% international transaction fee

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question

The Bendigo Bank Bright Credit Card is simple, low-cost credit card that has a minimum credit limit of $1,000. As well as a low purchase rate, it offers up to 55 days interest-free on new purchases and can be used anywhere Mastercard is accepted.

Details

Product details

Product Name Bendigo Bank Bright Credit Card
Balance transfer rate p.a. 19.99%
Purchase rate p.a. 9.99%
Interest-free period Up to 55 days on purchases
Cash advance rate p.a. 19.99%
Min credit limit $1,000
Card type Mastercard

Eligibility

Available to temporary residents No
Joint application No

Rewards

Bonus points N/A

Fees

Annual fee $59
Minimum monthly repayment 3% of the closing balance or $10, whichever is greater
Late payment fee $15
Foreign currency conversion fee 3%
Cash advance fee 3% or $3, whichever is greater
Overseas ATM withdrawal fee $5
Additional cardholder fee $0

How to apply

You can apply for the Bendigo Bank Bright Credit Card online. Before you get started, check if you meet the eligibility criteria and have the necessary information to complete the application.

Eligibility criteria

  • Residency. If you're an Australian permanent resident or citizen, you can apply for this card.
  • Income. You need to have regular income from employment, self-employment or superannuation.

Card benefits

  • Low rate for purchases. The Bendigo Bank Bright Credit Card has a 9.99% p.a. interest rate for purchases, which is much lower than the average standard credit card rate in Australia of 20.07% p.a.
  • Mastercard benefits. This card offers worldwide acceptance through the Mastercard network and access to exclusive offers on travel, shopping, dining and more through Mastercard Priceless Cities.

Rates & fees

  • Annual fee. This card's $59 annual fee is competitive for a low rate card.
  • Interest-free days. You'll get up to 55 days interest-free on purchases with this card, which consists of your 30-day statement cycle and the 25 days to the payment due date.

Your reviews

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Ask a question

Ask a question
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Amy Finder

Editor

Hi there, looking for more information? Ask us a question.

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Carol

October 04, 2023

Does this card have a monthly fee.


Avatar

Amy Bradney-George Finder

October 04, 2023

Hi Carol,

The Bendigo Bank Bright Credit Card does not have a monthly fee but it does have a $59 annual fee, at the time of writing. This fee is charged once every 12 months based on when the account is opened. I hope this helps.


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Judith

May 29, 2023

I wish to apply for this card but do not know how to apply


Avatar

Amy Bradney-George Finder

May 29, 2023

Hi Judith,

This card isn’t currently available through Finder, but you can apply directly through the Bendigo Bank website or by calling 1300 236 344. I hope that helps.


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