Compare Credit Cards

Choosing the Right Credit Card for You

A credit card should make your life easier by providing easy access to funds when you need to make a purchase. But it should also suit your needs and lifestyle.

Do you pay your credit card balance in full each month? Do you want a low ongoing interest rate? Do you want to be rewarded for using your credit card? Do you want an interest free period – up to 55 days? Do you prefer a Visa or MasterCard? Whatever your needs, Bendigo Bank has the credit card for you.

When applying for a credit card you must have access to a Key Fact Sheet to help you understand the features, interest rates and charges of the product to ensure that you make the right decision based on your current banking needs. The Key Fact Sheets can be accessed by clicking on the green Key Fact Sheet buttons located below.

	Basic Black	Ready Red	RSPCA Rescue	RSPCA Rescue Rewards	Bendigo Solid Gold
	Find out more Apply now Key Fact Sheet	Find out more Apply now Key Fact Sheet	Find out more Apply now Key Fact Sheet	Find out more Apply now Key Fact Sheet	Find out more Apply now Key Fact Sheet
Description	Back to basics – low interest rate, up to 44 days interest free and no higher rate on cash advances	Like to earn Reward Points? Like an interest free period on your purchases? The Bendigo Ready Red is the credit card for you.	Save lives everytime you shop! The RSPCA Adoptapet program receives a percentage of the revenue generated from all purchases made using Bendigo RSPCA Rescue Visa cards.	Save lives everytime you shop! $3.00 per month (tax deductible) is debited from the account and credited to the RSPCA Adoptapet program.	Do you want to be rewarded for using your credit card? Do you want up to 55 days free credit on your purchases? Absolutely! Then, the Bendigo Gold Visa may be just the credit card for you.
Card Type	or	or
Interest Rate on purchases and cash advances	12.49% p.a.	19.99% p.a. 16.99% p.a. 3.00% pa Discount1 14.99% p.a. 5.00% pa Discount2	Six monthly introductory rate of 7.89% p.a. (15.49% p.a. ongoing)	Six monthly introductory rate of 7.89% (19.64% ongoing)	19.99% p.a.
Annual Fee	$45	$45	$24	$24	$85
Rewards and Extras	NA	Free Membership to Be Rewarded / 1 point earned for every $1 spent	NA	Free Membership to Be Rewarded / 1 point earned for every $1 spent	Free Membership to Be Rewarded / 1.5 point earned for every $1 spent
Interest free period	Up to 44 days interest free on every purchase	Up to 44 days interest free on every purchase	Up to 40 days interest free on every purchase	Up to 55 days interest free on every purchase	Up to 55 days interest free on every purchase
Min. credit limit	$500	$500	$500	$500	$10,000
Additional cardholder	Free of charge	Free of charge	Free of charge	Free of charge	Free of charge

¹3.00% pa Discount available to existing Residential Loan Customers
²5.00% pa Discount available to personal Customers holding 1 or more fully paid Bendigo & Adelaide Bank Limited shares