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0% for 6 months on balance transfers

Transfer your credit card balance to any of the Bendigo Bank credit cards listed below and you won’t be charged any interest on that amount for 6 months.

If you’re comparing balance transfer deals, here are some things to consider:

No nasty surprises at the end. If you haven’t been able to pay off all the balance transfer:

  • The remaining outstanding balance is transferred to the purchase rate, not the cash advance rate like most other financial institutions.
  • You will receive up to 55 days interest free4 on the transferred amount at the end of the balance transfer period.*

Shop with confidence, you will still benefit from our interest free period of up to 55 days4 on eligible transactions when you have an outstanding balance transfer.*

Hand holding a smart phone near a payment terminal.
Bendigo Bank balance transfer difference

Calculate how much you save

See how much you could save by transferring your existing credit card balance to a Bendigo Bank credit card.

Choose your Bendigo Bank credit card

Low rates, Qantas Points, rewards. Whatever you want out of your credit card, we’ve got one to suit.

Terms, conditions, fees and charges apply. All information, including interest rates and fees, is correct as at 1 September 2019 and is subject to change. Full details available on application. Lending criteria apply.

0% for 6 months balance transfer offer applies to all successful applications for a new Low Rate First, Low Rate Platinum, Platinum Rewards and Qantas Platinum Mastercard completed and submitted after 12:01am AEST 1 September 2019.

0% for 6 months balance transfer offer applies to all successful applications for a new Low Rate Mastercard completed and submitted between 12:01am AEST 1 November 2019 to 11:59pm AEST 1 January 2020.

At the end of 6 months from account opening, any 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 balance transfer rate will apply to the first balance transferred up to 80% of your approved available credit limit. Please note, the 0% for 6 months balance transfer offer does not apply to any fees or charges associated with the account including the annual fee.

Balance transfers must be processed by Bendigo Bank staff 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.

Bendigo Bank may vary or end this offer and it is only available on the Low Rate, Low Rate First, Low Rate Platinum, Platinum Rewards and Qantas Platinum Mastercard. Offer not available to staff or in conjunction with any other Bendigo Bank offer including Low Rate Connect, Platinum Rewards Connect, Qantas Platinum Connect Mastercard and Deals or Shareholder products unless otherwise specified. 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.

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.

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

#The results are a guide only. This calculator only takes into account the non-Bendigo Bank Credit Card product's purchase interest rate. You'll also need to consider what other fees and charges apply to your current card and any discounts, or promotional offers that you are currently getting, to assess any savings.

The estimated savings also does not take into account the annual fee applicable to the Bendigo Bank credit cards.

The estimated savings assumes that during the promotional period you make no additional purchases or cash advances and make the monthly repayments (or minimum monthly repayment, whichever is higher) each month required under the terms and conditions. The minimum monthly repayment will change, depending on how you use your card and is only indicative of the estimated outstanding balance in the first statement period. Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL and Australian Credit Licence No. 237879.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

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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