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	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.	View details 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	View details 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	View details 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	View details 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	View details Compare product selectionCompare	loading
Bendigo Bank Qantas Business Credit Card Qantas 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	View details Compare product selectionCompare	loading

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Congratulations, Bendigo Bank!

Bendigo Bank was a big winner in the 2026 Finder Awards.

Highly Commended, Best Travel Credit Card: Bendigo Bank Ready Credit Card
Highly Commended, Best No FX fees Credit Card: Bendigo Bank 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.

Compare other products from Bendigo Bank

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

GeeSeptember 19, 2014

Hi, does Bendigo offer a business credit card?

Finder

ShirleySeptember 19, 2014Finder

Hi Gee,

Thanks for your question.

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

All the best,
Shirley

LenAugust 13, 2014

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

Finder

JeremyAugust 13, 2014Finder

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

PeterNovember 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.

Finder

JacobNovember 18, 2013Finder

Hi Peter,

Thanks for your question.

You may want to have a look at the 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.

Cheers,
Jacob

AaronOctober 30, 2013

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

Finder

JacobOctober 31, 2013Finder

Hi Aaron,

Generally, it’s just credit cards that earn rewards and frequent flyer points. But there are debit card travel insurance that does come with extra features and more rewards.

Thanks for your question.

Cheers,
Jacob

HeathAugust 30, 2013

Can I access my credit card account while waiting for a replacement card?

BillySeptember 24, 2013

How long will it take if I apply for it? please I wanna know mr. Jacob

Finder

JacobSeptember 24, 2013Finder

Hi Mr. Billy.

Please allow up to two weeks after you’ve been approved for your card to arrive.

Thanks.

Finder

JacobAugust 30, 2013Finder

Hi Heath.

Thanks for your question.

This won’t be a problem, your account will remain open and active while a replacement card is being issued.

Jacob.

Bendigo Bank Credit Cards

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