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 Business Credit Card

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Bendigo Bank Business Credit Card
Terms and conditions apply
Purchase rate
13.99% p.a.
Annual fee
$48 p.a.
Interest-free on purchases
Up to 44 days

Our verdict

Offers a low 13.99% p.a. interest rate for purchases and individual card limits, with a $4 monthly fee per card.

The Bendigo Bank Business Credit Card is suited to small to medium-sized businesses that want a simple card to manage expenses. Its 13.99% p.a. interest rate for purchases is lower than most business credit cards on the market in Australia, which typically range from around 10% to 24%. It also offers up to 44 days interest-free for each statement period, which could help you save on costs as you manage your business's cash flow.

Pros

  • Relatively low 13.99% p.a. interest rate
  • Up to 44 days interest-free
  • Additional cards for employees and choice of liability options

Cons

  • 3% foreign transaction fee
  • $4 monthly fee applies for each card, equivalent to $48 per year per card

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 Business Credit Card lets you choose who is responsible for the account, with the option of company liability, individual liability or joint and several liability. It also gives you a way to pay suppliers online through Bendigo e-banking and upload transactions to accounting software platforms, such as MYOB. You can use it globally, anywhere Mastercard is accepted, but if you make a lot of overseas business payments keep in mind that the 3% foreign transaction fees will add to the cost.

Details

Product details

Product Name Bendigo Bank Business Credit Card
Purchase rate p.a. 13.99%
Interest-free period Up to 44 days on purchases
Cash advance rate p.a. 13.99%
Min credit limit $500
Max credit limit $50,000
Card type Mastercard

Eligibility

Available to temporary residents No
Joint application No

Rewards

Bonus points N/A

Fees

Annual fee $48
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

How to apply

You can apply for the Bendigo Bank Business Credit Card by filling in a business enquiry form on the bank's website. You can also visit a Bendigo Bank branch or call the general enquiries team on 1300 236 344. You'll also need to meet the eligibility criteria and have all the details and documents you need to complete the application.

Eligibility criteria

  • Business details. This includes your business name, ABN or ACN.
  • Credit criteria. You'll need to confirm that you can meet the credit criteria according to the chosen type of liability arrangement.

Card benefits

  • Low purchase rate. The Bendigo Bank Business Credit Card has a 13.99% p.a. interest rate for purchases. In comparison, the average standard credit card rate in Australia is around 20%.
  • Additional cardholders. You can add cards for business partners and employees, with individual spending limits and authorisations. You'll also get a single monthly statement with itemised addendum for each cardholder and flexible billing structures so you can choose who pays, when they pay and what portion of the bill they pay.

Rates & fees

  • Annual fees. The Bendigo Bank Business Credit Card charges a $4 monthly fee for each card linked to the account. This is equivalent to a $48 annual fee per card.
  • Interest-free days. This card offers up to 44 days interest-free days on purchases for each statement period. This is made up of a 30-day statement cycle (when you can make purchases for that statement period) and the 14 days from the statement issue date to the payment due date.

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Amy Finder

Editor

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Dean

August 28, 2017

Can i get a credit card


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Harold Jacob Finder

August 28, 2017

Hi Dean,


Thank you for your inquiry.


You can apply for this card as long as you can meet the following criteria.


Eligibility criteria:


– The registration of your business is in Australia

– Applicants meet required credit criteria according to the chosen type of liability arrangement


Additionally, you can check your credit card options featured on our website.


I hope this information has helped.


Cheers,

Harold


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Peter

March 10, 2016

does this card link to any frequent flyer programs


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Debbie Finder

March 10, 2016

Hi Peter,


Thanks for your inquiry.


While there is no rewards program attached to Bendigo Bank Just Business MasterCard, you may check our comparison of Frequent flyer credit cards and take advantage of sign-up offers for bonus frequent flyer points. Please make sure to check eligibility requirements and their terms and conditions before you apply for the card.


I hope this helps.


Cheers,

Debbie


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