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Low Rate Credit Card Offer

Illustration of a hand scrolling through a shopping cart on an iPad with bank cards on the iPad, surrounded by a cup of coffee, smartphone, delivery package and a leaf from a plant.
Illustration of a hand scrolling through a shopping cart on an iPad with bank cards on the iPad, surrounded by a cup of coffee, smartphone, delivery package and a leaf from a plant.

0% on purchases for 15 months from account opening.*

Receive $150 Woolworths gift card when you spend $3,000 in 90 days.*

Bendigo Bank SmartStart Super

SmartStartSuper Campaign panel image-min.png
SmartStartSuper Campaign panel image-min.png

Looking to retire with more?

Bendigo SmartStart Super is our low cost and simple way to help you get there.

Express Home Loan

An old fashioned analog alarm clock against a burgundy background.
An old fashioned analog alarm clock against a burgundy background.

Are you ready to buy?

Receive fast online approval, combined with competitive interest rates and flexible terms with Bendigo Bank Express Home Loan.

Better Big Bank

Illustration of a Bendigo Bank branch in a street.
Illustration of a Bendigo Bank branch in a street.

Welcome to the better big bank.

When you're a big bank, you have big responsibilities. The first is to do the right thing. It's something we've always been good at.

Fixed Rate Home Loan

Hands forming a heart around a trophy with image of a Bendigo Bank branch in the background.
Hands forming a heart around a trophy with image of a Bendigo Bank branch in the background.

Home of most satisfied home loan customers

See our low cost, easy to manage fixed rate home loan with flexible terms and additional repayment options. Plus, with various options on home & contents insurance, we have everything you need under one roof!

Platinum Rewards Credit Card Offer

Illustration of a long hair woman next to a screen showing 0% and three gifts in front of the screen.
Illustration of a long hair woman next to a screen showing 0% and three gifts in front of the screen.

0% on purchases for 15 months from account opening^

PLUS 50,000 bonus Rewards Points when you spend $3,000 in 90 days.

International trading

New York landscape at dawn featuring Empire State Building.
New York landscape at dawn featuring Empire State Building.

Go Global in 2020

Bendigo Invest Direct offers direct access to trade on 11 international markets from the one share trading account.

Low Rate Credit Card Offer

*Terms, conditions, fees and charges apply. All information, including interest rates and fees, is correct as at 2 July 2020 and is subject to change. Full details available on application. Lending criteria apply.

Low Rate Credit Card Offer includes 0% purchase rate for 15 months and $150 Woolworths gift card (conditions apply).

Low Rate Credit Card Offer commences 22 June 2020. To be eligible for the offer, a new Low Rate Credit Card application must be completed and submitted between 12:01am AEST 22 June 2020 and 11:59pm AEST 2 August 2020.

Bendigo Bank may vary or end the Low Rate Credit Card Offer and it is only available on the Low Rate Credit Card. Offer not available to staff or in conjunction with any other Bendigo Bank offer including Low Rate Connect Credit Card and Low Rate Credit card Deals or Shareholder products. One account per customer. Offer is not available when closing/transferring from another Bendigo Bank credit card account or if you have held a Bendigo Bank credit card product in the last 12 months. Offer also subject to minimum monthly repayments being made as per your monthly statement and the account not otherwise being in default. Balance transfer is not available in conjunction with this offer.

Purchase Rate Offer
For the first 15 months after account opening, interest on purchases is waived, subject to minimum monthly repayments being made and the account not otherwise being in default. At the end of 15 months from account opening, remaining purchase balance will revert to standard purchase interest rate. Offer does not apply to cash advances.

The standard purchase interest rate of the Low Rate Mastercard is currently 11.99% p.a. The cash advance rate of the Low Rate Mastercard is currently 13.99% p.a.

Woolworths $150 Gift Card
To be eligible for the Woolworths $150 gift card you must meet a minimum spend amount of $3,000 on eligible purchases within 90 days of opening your account.

The Woolworths $150 gift card will be awarded to the customer within 60 days of meeting the spend criteria.

The Bendigo Bank credit card account used must not be cancelled, closed or in default before the gift card is awarded to you.

The gift card cannot be exchanged, be redeemed for cash in part or full, for another prize or transferrable. Refer to the gift card expiry date. If Woolworths gift card is not available, a gift card to the same value will be provided to an equivalent store.

Ineligible purchases include cash advances, interest charges, credit fees and charges, disputed transactions, foreign exchange purchases, travellers cheques, credit card payments, gambling chip purchases, payments to the Australian Taxation office, bill payments using BPAY® or utility bills paid over the counter at any financial institution or Post Office and any transactions, payments or purchases that are disputed, fraudulent, unauthorised, refunded or reimbursed. A direct debit will be classified as a cash advance if you have provided the debiting merchant with your BSB and account number.

Credit provided by Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL/Australian Credit Licence 237879.

Platinum Rewards Credit Card Double Offer

^Terms, conditions, fees and charges apply. All information, including interest rates and fees, is correct as at 2 July 2020 and is subject to change. Full details available on application. Lending criteria apply.

Platinum Rewards Credit Card Double Offer includes 0% purchase rate for 15 months and 50,000 bonus Rewards Points (conditions apply).

Platinum Rewards Credit Card Double Offer commences 1 May 2020. To be eligible for the offer, a new Platinum Rewards Credit Card application must be completed and submitted between 12:01am AEST 1 May 2020 and 11:59pm AEST 2 August 2020.

Bendigo Bank may vary or end this Platinum Rewards Credit Card Double Offer and it is only available on the Platinum Rewards Credit Card. Offer not available to staff or in conjunction with any other Bendigo Bank offer including Platinum Rewards Connect Credit Card and Platinum Rewards Credit Card Deals or Shareholder products. One account per customer. Offer is not available when closing/transferring from another Bendigo Bank credit card account or if you have held a Bendigo Bank credit card product in the last 12 months. Offer also subject to minimum monthly repayments being made and the account not otherwise being in default. Balance transfer is not available in conjunction with this offer.

Platinum Rewards Connect Credit Card is only eligible for the 50,000 bonus Rewards Points promotion.

50,000 Bonus Rewards Points

To be eligible for the 50,000 bonus Rewards Points, you must meet a minimum spend of $3,000 on eligible purchases within 90 days of opening your account. Bonus points will be awarded to your Rewards Points balance within the first week of the following month of meeting the spend criteria. Please note that your card needs to be activated in order to register for Bendigo Bank Rewards. You will need to register for Bendigo Bank Rewards to make a redemption. The Bendigo Bank credit card account used must not be cancelled, closed or in default before the bonus points are awarded to your points balance. Minimum monthly repayments required.

Ineligible purchases are described in the Bendigo Rewards Terms and Conditions and include cash advances, interest charges, credit fees and charges, foreign exchange purchases, travellers cheques, credit card payments, gambling chip purchases, payments to the Australian Taxation office, bill payments using BPAY® or utility bills paid over the counter at any financial institution or Post Office and any transactions, payments or purchases that are disputed, fraudulent, unauthorised, refunded or reimbursed. A direct debit will be classified as a cash advance if you have provided the debiting merchant with your BSB and account number.

Purchase Rate Offer

For the first 15 months after account opening, interest on purchases is waived. At the end of 15 months from account opening, remaining purchase balance will revert to standard purchase interest rate. Offer does not apply to cash advances.

The standard purchase interest rate of the Platinum Rewards Credit Card is currently 19.99% p.a. The cash advance rate of the Platinum Rewards Credit Card is currently 21.99% p.a.

Any payments made to your card account will be applied to amounts that appear on your past statement in order of highest to lowest annual percentage rate. Payments are then applied to transactions that appear in your current statement period from highest to lowest annual percentage rate. Refer to section 15.3 of our credit card Terms and Conditions.

Credit provided by Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL/Australian Credit Licence 237879.

Head Office: Bendigo Centre, Bendigo Vic 3550

Bendigo and Adelaide Bank Limited, ABN 11 068 049 178 AFSL / Australian Credit Licence 237879. Any advice provided on this website is of a general nature only and does not take into account your personal needs, objectives and financial circumstances. You should consider whether it is appropriate for your situation. Please read the applicable Disclosure Documents before acquiring any product described on this website. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you.

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