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Low Rate Credit Card
Bendigo Bank SmartStart Super
Things you should know
1 Important information about comparison rate: The comparison rate displayed is calculated for a loan of $150,000 over 25 years. If the comparison rate relates to a loan with a fixed interest rate, the comparison rate has been calculated on the basis that our current applicable variable rate will apply at the end of the fixed rate period. WARNING: The comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
For Bendigo Complete Fixed Rate Home Loan the comparison rate assumes a variable with Loan to Value Ratio (LVR) between 60.01%-80% will apply at the end of the fixed rate period.
2 Bendigo Complete Home Loan: The interest rate displayed is for an owner occupied, principal and interest loan and is based on a Loan to Value Ratio (LVR) between 60.01%-80%.
3 Bendigo Complete Home Loan 2 Year Fixed: Available to customers with owner occupied, principal and interest home loans.
Terms, conditions, fees and charges apply. All information is correct as at 1 July 2021 and is subject to change. Full details available on application. Credit criteria apply. Interest rate and annual fee current at 1 July 2021. Rates and fees are subject to change. Credit provided by Bendigo and Adelaide Bank Limited ABN 11 068 049 178 Australian Credit Licence 237879.
Offer period 1 July 2021 to 31 October 2021: 0.00%p.a. balance transfer and 0.00%p.a. purchase rate for up to 12 months from account opening.
Application must be submitted between 12:01am AEST 1 July 2021 and 11:59pm AEDT 31 October 2021.
Bendigo Bank may vary or end this offer and it is only available on the Low Rate Credit Card. Offer not available in conjunction with any other Bendigo Bank offer including Low Rate Complete and 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 offer
Up to 80% of credit limit may be applied as a balance transfer. A balance transfer fee of 2% is applied on the amount transferred.
At the end of 12 months from account opening, remaining unpaid balance transfer amount will attract the standard retail purchase interest rate and will receive up to 55 days interest free on the outstanding amount. Offer subject to minimum monthly repayments being made as per your monthly statement and the account not otherwise being in default.
The standard purchase interest rate of the Low Rate Credit Card is currently 11.99%p.a. The cash advance rate of the Low Rate Credit Card is currently 13.99%p.a.
The Balance Transfer Offer does not apply to fees and charges, including the annual fee, associated with the account.
Balance transfers must be processed by Bendigo Bank in accordance with this offer and not made via other payment methods including BPAY® or direct deposit. We will not be responsible for any delays that may occur in processing payment to your other card account(s) and will not close the account(s). The balance transfer can only be made to a credit card account held in your own name or a credit card account you hold jointly with another person.
The 55-day interest-free period consists of your 30-day statement cycle, plus the 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 is made.
Purchase rate offer
For the first 12 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 12 months from account opening, the 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 Credit Card is currently 11.99% p.a. The cash advance rate of the Low Rate Credit Card is currently 13.99% p.a.
Head Office: Bendigo Centre, Bendigo Vic 3550