How quickly can I complete an online application?

With all the required information nearby, you should be able to complete the application in around 15 minutes.

Does Bendigo Bank own BDCU?

The member-owned bank BDCU operates as part of the Bendigo Community Bank network , following a transition in March 2023. This means all members for BDCU (formerly BDCU Alliance Bank) now have access to Bendigo Bank's account management facilities, including its mobile banking app. They can also apply for Bendigo Bank credit cards.

How can I apply for a Bendigo Bank credit card credit limit increase?

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.

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 after 36 months.

What is the history of Bendigo Bank?

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.

What other products does Bendigo Bank offer?

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.

Bendigo Bank Credit Cards: Compare & Apply

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Bendigo Bank isn't one of the Big Four Banks, but it offers a similar products and services, including credit cards with rewards and Qantas Points, balance transfers and low rates.
Bendigo Bank credit cards are also unique in the way that interest is calculated. Bendigo Bank charges interest from the date your statement is issued, not the purchase date – potentially saving you up to 50% on interest costs.

Bendigo Bank Credit Card Comparison

Purchase rate p.a.	Bonus points	Points per $ spent	Interest-free period	Balance transfer rate p.a.	Annual fee
Bendigo Bank Business Credit Card Most Loved	Purchase rate p.a. 13.99%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a. N/A	Annual fee $48	A business card with flexible liability arrangements, competitive rates and gives you the ability to personalise your card.	More info Compare product selectionCompare	loading
Bendigo Bank Bright Credit Card	Purchase rate p.a. 11.99%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 19.99%	Annual fee $59	A no-frills card that offers a low interest rate of 11.99% p.a. on purchases and a competitive $59 annual fee.	More info Compare product selectionCompare	loading
Bendigo Bank Ready Credit Card	Purchase rate p.a. 19.99%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 19.99%	Annual fee $0	Save with an ongoing $0 annual fee and no foreign transaction fees.	More info Compare product selectionCompare	loading
Bendigo Bank Platinum Rewards Credit Card Bendigo Rewards	Purchase rate p.a. 19.99%	Bonus points N/A	Points per $ spent 1.5	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 21.99%	Annual fee $89	Enjoy a competitive earn rate, complimentary travel and purchase insurance options for an annual fee of $89.	More info Compare product selectionCompare	loading
Bendigo Bank Qantas Platinum Credit Card Qantas Frequent Flyer	Purchase rate p.a. 19.99%	Bonus points N/A	Points per $ spent 0.6	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 21.99%	Annual fee $149	Offers Qantas Points per $1 spent, international travel insurance and extended warranty on purchases.	More info Compare product selectionCompare	loading
Bendigo Bank Qantas Business Credit Card Most LovedQantas Business Rewards	Purchase rate p.a. 19.99%	Bonus points 25,000	Points per $ spent 0.6	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. N/A	Annual fee $89	Offers 25,000 bonus Qantas Points, up to 1.6 points per $1 on eligible spending, and access to travel insurance and purchase protection.	More info Compare product selectionCompare	loading

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Highly commended, Best Travel Credit Card: Ready Credit Card
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Benefits of getting a credit card 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.

Balance transfers

If you're paying off a credit card from another bank, you could transfer the balance to a Bendigo Bank credit card before closing the other account. Sometimes, Bendigo Bank will even offer introductory low or 0% interest rates for balance transfers – which can help you save on charges when you first get the new card.

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. Or, if you're a frequent flyer, you could enjoy earning Qantas Points for your eligible spending on the Bendigo Bank Qantas Platinum Credit Card.

Complimentary insurance options

A Bendigo Bank credit card can give you access to a range of complimentary insurance covers, including complimentary overseas travel insurance, purchase protection insurance, extended warranty insurance and best price guarantees.

Mobile and contactless payments

You can link your Bendigo Bank credit card with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay or Garmin Pay to make payments straight from your mobile phone or device.

Digital credit card

Bendigo Bank gives you a way to set up a virtual credit card through Apple Pay before your plastic card comes in the mail. You just need to get the Bendigo Bank app, select the card and follow the prompts to link it to your Apple Wallet. This means if you're approved for a credit card, you could start using it even more quickly.

Security features

If your card is lost or stolen, you can put a temporary block on it through the Bendigo Bank app or internet banking service. Bendigo Bank credit cards also offer 24/7 fraud monitoring and zero liability against fraudulent transactions.

How to apply for a Bendigo Bank credit card

Applying for a credit card online is fast and easy. You'll need to be at least 18 years of age and meet the card's eligibility criteria. For more about eligibility, the kinds of documentation you'll need and the factors that can affect whether your card application is approved, check out our full guide to applying for a credit card.

Frequently asked questions

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.

Sources

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Written by

Amy Bradney-George

Journalist

Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full bio

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42 Responses

BrittanyFebruary 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

Finder

JonathanFebruary 27, 2015Finder

Hi Brittany,

Thanks for your inquiry.

You may be eligible for a car loan while receiving Centrelink benefits. A lender will look at how much you earn from your Centrelink payments or other income, then compare it to the repayment amounts. It might be a good idea to look at buying a used car rather than a new one.
If you only need to borrow a smaller amount, such as under $3,000, you can also compare lenders who offer loans to Centrelink recipients and other government and community assistance programs that you can apply.

Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you.

Cheers,
Jonathan

danielJanuary 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.

Finder

JonathanJanuary 28, 2015Finder

Hi Daniel,

Thanks for your inquiry.

Please refer to Latest home loan offers for home loans, repayment calculator and the different lenders. The interest rate varies depending on the lender.

I hope this helps.

Cheers,

Jonathan

suzanneJanuary 22, 2015

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

Finder

JonathanJanuary 22, 2015Finder

Hi Suzanne,

Thanks for your inquiry,

While disability support pension is generally accepted, some lenders will not accept this as a form of income. You can check our Centrelink loan options page to know which lender may consider you for a small loan.

On that page, there’s also a table that lists possible lenders. You can click the name of the lender to be redirected to our review page and learn more about the lender’s loan offer, rates, and requirements as well as the pros and cons of using their loan service. When you are ready, you may then click on the “Go to site” button if available and you will be redirected to the lender’s website where you can proceed with the application or get in touch with their representatives for further inquiries you may have.

I hope this helps!

Cheers,

Jonathan

tinaJanuary 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?

Finder

JonathanJanuary 12, 2015Finder

Hi Tina,

Thanks for your question,

Personal loans are available with Bendigo Bank, compare personal loans with Bendigo Bank with more information and their application criteria.

I hope this has helped.

Cheers,

Jonathan

BrendanNovember 9, 2014

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

Finder

ElizabethNovember 10, 2014Finder

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 reversing credit card transactions for more information.

I hope this has helped.

Thanks,

Elizabeth

Bendigo Bank Credit Cards

Bendigo Bank offers credit cards across major categories including low rate, rewards, balance transfer, business and more.