• Most satisfied customers of any Australian bank1

  • Australia's 5th largest retail bank

  • Top 70 ASX listed Company

Home and Personal Loans

Quote F&F Directors or F&F Staff to claim your benefit.

Connect Package Home Loan

Connect Home Loan Package combines the best of our banking products in a home loan bundle. Choose three eligible products, and be rewarded with an exclusive Family and Friends rate for your new home or refinance from another financial institution.

  • Exclusive discounted rate for Family and Friends2  3.89% p.a3 (4.15% p.a. comparison rate4)
    • A huge range of benefits including free online redraw and a saving of $625 on establishment fees5.

Personal Loans

Car, holiday, shopping spree. The possibilities are endless with a personal loan from Bendigo Bank. And with a Family and Friends discount, they're cheaper too.

Quote F&F Directors or F&F Staff to claim your benefit.

Credit cards

Choose from two of our popular Mastercard® credit cards and receive a Family and Friends discount off the annual fee.
Quote F&F Directors or F&F Staff to claim your benefit.

Platinum Rewards

Mastercard®

  • Annual Fee
    $49 (normally $89)
  • Purchase interest rate
    19.99% p.a.
  • Cash advance interest rate
    21.99% p.a.
  • Interest free period
    Up to 55 days^
  • Benefits
    $1 = 1.5 Rewards Points7, Travel insurance + purchase protections8
  • Rewards
    Yes

Qantas Platinum

Mastercard®

  • Annual Fee
    $69 (normally $149)
  • Purchase interest rate
    19.99% p.a.
  • Cash advance interest rate
    21.99% p.a.
  • Interest free period
    Up to 55 days^
  • Benefits
    $1 = 0.6 Qantas Points9, Travel insurance + purchase protections8
  • Rewards
    Yes

Term deposit

Invest your money in our 12 month term deposit and receive an additional 0.25%pa on top of the already competitive interest rate.
Quote F&F Directors or F&F Staff to claim your benefit.

  1. 12 month term deposit earning 0.25% pa interest above the standard 12 month term deposit interest rate10

  2. Interest paid on maturity

  3. Minimum deposit $5000

  4. The applicable Term Deposit rate is available upon application

Rural Bank

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Applying for Rural Bank finance is cheaper thanks to your exclusive Family and Friends Offer.

  • Agribusiness term loan11
    $0 loan application fee (max $1,000 per application).
  • Equipment Finance11
    50% discount to application fee, up to $1,000 maximum per application.

Insurance

Choose from a range of insurance offers and receive a Family and Friends discount for each policy taken out. Discounts can only be applied in branch or over the phone, not available online.
Quote F&F Directors or F&F Staff to claim your benefit.

Share Trading

Bendigo Invest Direct#

Share trading is even cheaper thanks to your exclusive Family and Friends Offer.

Quote F&F Directors or F&F Staff to claim your benefit.

  • Discounted brokerage rate of $17.95 for trade value up to and including $22,000 or 0.10% for trade value greater than $22,000.

Claim your benefits

Here's how to claim your benefits, or learn more about the Family and Friends offer.

Be sure to quote F&F Directors or F&F Staff.

Visit your local Bendigo Bank branch

FIND A BRANCH

Call us on 1300 236 344

CALL US

Complete a quick form and we'll contact you

MAKE AN ENQUIRY

Additional Information

1 Roy Morgan 2018

2 Offers only valid to Family and Friends of Bendigo and Adelaide Bank Limited Staff and Directors. Offers available on all applications received before 30th June 2019. This information has been prepared without taking into account your personal circumstances, objectives, financial situation or needs.

3 Advertised discounted variable rate is available on the Principal and Interest Connect Home Loan Package for new Owner Occupied loans with a loan to value (“LVR’) equal or less than 80%. Rate includes discount of 1.69% p.a. off the Residential Variable Rate. Interest rate discount assumes three eligible products are taken as part of the connect package. Eligible products can be found on our website. This offer is subject to change without notice.

4 The comparison rate displayed for home loan is calculated for a loan amount of $150,000 over a 25 year loan term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

5 To be eligible to save $625 on home loan fees, a new home loan application must be taken for External Refinance and/ or Purchase and/or Construction for Owner Occupied property. The application must be for the Bendigo Connect product and the customer must currently hold or take out three additional or complementary products with Bendigo Bank. Complementary products cannot be from the same product type. Full details available on application.

6 All information including interest rate is subject to change without notice. Full details available on application. Lending criteria apply. Discount available on standard personal loan products only and does not include Student, Green or Connect personal Loans.

^Up to 55-day interest-free period consists of your 30 day statement cycle, plus 25 days to the payment due date. The number of interest-free days will vary for each transaction, depending on which day in the 30-day statement cycle the purchase was made.

7 Rewards points - Rewards points are earned on eligible transactions – see Bendigo Rewards Terms and Conditions, or call 1300 236 344.

8 Platinum Rewards insurances are underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) (Chubb). Qantas Platinum and Low Rate Platinum insurances are issued by AWP Australia Pty Ltd ABN 52 097 227 177 AFSL No. 245631 trading as Allianz Global Assistance (under a binder from Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No. 234708) to Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL No. 237879. Bendigo Bank doesn’t guarantee any of the benefits provided under the insurance cover.

9 Qantas Points - To earn Qantas Points with Qantas Platinum MasterCard you must be a member of the Qantas Frequent Flyer program and provide your Qantas Frequent Flyer number to Bendigo Bank. Membership of the Qantas Frequent Flyer program is subject to the terms and conditions of the Qantas Frequent Flyer program, which can be found at Qantas.com/terms. This external link will open in a new window. A joining fee may apply. Qantas Points are earned on eligible transactions at the applicable conversion rate of 0.6 Qantas Points per dollar, are transferred monthly to the Frequent Flyer account and are capped at 20,000 points per month – see Bendigo Credit Card Terms and Conditions or call 1300 236 344. Ineligible transactions are, for example, BPAY transactions, cash advances, payments to the Australian Taxation Office, cash equivalent transactions, business transactions, balance transfers, and transactions for gambling or gaming purposes, any fee or charge, including any government charges or duties, interest and finance charges payable or paid on your credit card, transactions which are disputed, fraudulent or involve the abuse or unauthorised use of your credit card and payments and purchases which are refunded or reimbursed.

MasterCard and Priceless are registered trademarks and the circles design and Tap & Go are trademarks of MasterCard International Incorporated.

10 Minimum deposit $5000. The applicable Term Deposit rate is available upon application

11 All applications for loans or credit are subject to lending criteria. Full details are available on application, by phoning our Customer Service Centre on 1300 660 115 or online at www.ruralbank.com.au. All information is subject to change. Products are issued by Rural Bank Limited ABN 74 083 938 416 AFSL 238042. Products are distributed by Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL 237879.

* The Bank acts under its own Australian Financial Services Licence and under an agreement with the insurer Insurance Australia Limited ABN 1100 0016 722 trading as CGU Insurance (CGU). A minimum sum insured may be required for a discount to apply. No further discounts are applicable. Eligible products include personal Bendigo Insurance policies underwritten by CGU and not those written through Community Insurance Solutions Pty Ltd ABN 32 151 328 148. The Bank receives a commission based on a proportion of the product’s premium.

# Bendigo Invest Direct is a service provided by CMC Markets Stockbroking Limited ABN 69 081 002 851 AFSL No. 246381, a Participant of the ASX Group (“CMC Markets Stockbroking”) at the request of Bendigo and Adelaide Bank Ltd ABN 11 068 049 178, AFSL 237879 (“Bendigo”). For a copy of the terms and conditions relating to the Bendigo Invest Direct services and the Financial Services Guides for CMC Markets Stockbroking or Bendigo (or other relevant disclosure documents), contact us on 1300 788 982 or via email at info@bendigoinvestdirect.com.au. Neither CMC Markets Stockbroking nor Bendigo are representatives of each other. To the extent permitted by law, Bendigo will not guarantee or otherwise support CMC Markets Stockbroking’s obligations under the contracts or agreement connected with Bendigo Invest Direct. This information does not take your personal objectives, financial situations or needs into account. You should consider its appropriateness to your circumstances before acting on this information. Please read the disclosure documents for your selected product or service, including the Terms and Conditions, before deciding. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you.

Terms and conditions, other fees and charges, other external establishment fees, and lending criteria apply. All applications are subject to credit approval.