In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
Finder makes money from featured partners, but editorial opinions are our own.

Bendigo Bank Platinum Rewards Credit Card

  • Avatar
Bendigo Bank Platinum Rewards Credit Card
Terms and conditions apply
Balance transfer rate with no balance transfer fee
21.99% p.a.
Purchase rate
19.99% p.a.
Reward points per $ spent
Annual fee
$89 p.a.

Our verdict

Offers Bendigo Bank Rewards Points and complimentary extras, with a $89 annual fee.

The Bendigo Bank Platinum Rewards credit card currently gives you a way to earn points per $1 spent. And if you’re interested in travel rewards, be aware that the Bendigo Bank Rewards program does not offer point transfers to frequent flyer programs (unlike many other credit card reward programs). But you can still redeem points for a variety of gift cards, cash back, charity donations or retail items available online.


  • 1.5 reward points per $1 spent on purchases
  • Compatible with Apple Pay, Google Pay and Samsung Pay


  • Rewards cannot be exchanged for frequent flyer points
  • Does not currently offer bonus points upon sign-up

In this guide

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

This platinum credit card offers 1.5 Bendigo Bank Rewards points per $1 spent, which you can redeem for gift cards, retail items, cash back and a range of other rewards. It also offers complimentary international travel insurance, purchase protection insurance and extended warranty covers.


Product details

Product Name Bendigo Bank Platinum Rewards Credit Card
Balance transfer rate p.a. 21.99%
Balance transfer limit 80% of available limit
Purchase rate p.a. 19.99%
Interest-free period Up to 55 days on purchases
Cash advance rate p.a. 21.99%
Min credit limit $3,000
Max credit limit $50,000
Card type Mastercard


Available to temporary residents No
Minimum income $35,000
Joint application Yes


Rewards program Bendigo Rewards
Bonus points N/A
Rewards points per $ spent 1.5


Annual fee $89
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 cash advance fee 0.5% or $3.25, whichever is greater
Overseas ATM withdrawal fee $5
Additional cardholder fee $0

How to apply

If you've compared your options and want to apply for the Bendigo Bank Platinum Rewards Credit Card, you can fill in a secure online application form. Before you apply, make sure you meet the eligibility requirements and have all the relevant details and supporting documentation ready.

Eligibility criteria

  • Residency. Permanent Australian residents and Australian citizens are eligible to apply.
  • Age. You must be at least 18 years old to apply.

Card benefits

  • Points on purchases. This credit card offers a competitive 1.5 points per $1 spent on purchases (uncapped). Note that there are some transactions that won't earn points, including cash advances, credit card fees and charges, foreign exchange purchases and bills paid through BPAY.
  • Interest-free days. The Bendigo Bank Platinum Rewards Credit Card offers up to 55 days interest-free on purchases. Bendigo Bank calculates interest from the statement date instead of the purchase date. This means you can enjoy an interest-free period on purchases even if you don't pay off your balance in full.

Rates & fees

  • Purchase rate. This card charges a variable interest rate of 19.99% p.a. on purchases.
  • Annual fee. As this card charges a standard annual fee of $89 p.a., make sure you weigh up the potential value you'll get from rewards and perks to decide if it's worth it.

Your reviews

No reviews yet. Write a review

Ask a question

Ask a question

Amy Finder


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

Error label

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked
Accept and continue

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our 1. Terms Of Service and 6. Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Privacy Policy and Terms of Service apply.



November 02, 2023

I am trying to redeem my points accrued on my platinum credit card but cannot find a link in e banking to access my points balance. I have clicked on cards but there is no link there


Amy Bradney-George Finder

November 03, 2023

Hi Travice,

You can manage your Bendigo Bank Rewards account and review your points balance by visiting the website ( If you have further questions about rewards, you can also contact Bendigo Bank by calling 1300 650 285. I hope this helps.



March 06, 2019


With regard to Bendigo Bank Platinum Rewards Mastercard, can you confirm that I can convert points to Krisflyer miles? And if so, can you tell me what the conversion rate is to Krisflyer miles please?

Thank you.


Jeni Finder

March 08, 2019

Hi Steve,

Thank you for getting in touch with Finder.

Currently, you can not convert this Bendigo Bank Platinum Rewards Mastercard’s rewards points to Krisflyer miles. You may instead refer to our list of credit cards with Singapore Airlines KrisFlyer Miles.

I hope this helps.

Thank you and have a wonderful day!



Show more Show less


November 14, 2018

I am going to Vietnam and Cambodia in April, I am 72 yrs old, I have paid the whole trip with my credit card, will qualify for the Travel insurance ? Thank you.


John Basanes Finder

November 16, 2018

Hi Margaret,

Thank you for leaving a question.

Yes, you qualify for the complimentary travel insurance since you paid for your return overseas tickets with your Bendigo Platinum and get international travel insurance for up to 180 days. Hope this helps!



Show more Show less


July 04, 2018

Hi. I am travelling to Sri Lanka for 2 weeks in October and have charged my total trip including return airfare to my Bendigo Platinum Rewards Credit Card. Am I covered and do I get any evidence of insurance cover provided i.e. a Policy number or acknowledgement? Thanks


Nikki Angco

July 05, 2018

Hi Kerron,

Thanks for contacting finder.

The Bendigo Platinum Rewards credit card automatically gives you complimentary international travel insurance for up to 180 days within a 12 month period. There is no need for any travel insurance document or policy number.

You travel cover is effective for a trip that doesn’t exceed 90 days, from the day you leave your home to the day your trip ends. To be clear, you will no be eligible for cover if your trip goes beyond 90 days. This insurance also covers your eligible spouse and/or children who are travelling with you if their tickets were also bought on your card.

Hope this clarifies!



Show more Show less


May 24, 2017

Does Bendigo bank have a credit card with either a Qantas or Virgin Frequent flyer rewards program?


Harold Jacob Finder

May 24, 2017

Hi Keith,

Thank you for your inquiry.

Unfortunately, none, but you can always check the list of credit card/s with Qantas Frequent Flyer rewards programs. Please check the page, use our comparison table to get an overview of what each card offers, and select the “Go to site” button to learn more.

I recommend that you check the details of the credit card you’re interested in, its eligibility criteria as well as the Product Disclosure Statements/Terms and Conditions before you apply.

Also if you can, contact first the issuing bank and discuss your options and chances of approval before you send anything final for your application. Just apply for one credit card at a time and ensure your eligibility before submitting your final application. This way you can avoid credit enquiries on your file.

I hope this information has helped.



Show more Show less
Go to site