*Bendigo Bright® Credit Card offer

Offer commences 1 March 2023 and may be varied or withdrawn at any time. The 0.00% p.a. balance transfer for up to 15 months from account opening is for approved applicants who apply for a new Bendigo Bright^® Credit Card before the offer is varied or withdrawn.

Offer is only available on the Bendigo Bright Credit Card. Offer not available in conjunction with any other Bendigo Bank offer including Shareholder products. One account per customer. Offer is not available when closing or transferring from another Bendigo Bank credit card account or if you have held a Bendigo Bank credit card product in the last 12 months. Minimum monthly repayments must be made as per your monthly statement and the account not otherwise be in default.

0.00% p.a. Balance transfer

Up to 80% of the credit limit may be applied as a balance transfer. A balance transfer fee of 2% of the balance transferred applies.

After a period of 15 months from account opening any remaining unpaid balance transfer amount will be treated as a purchase and attract the standard retail purchase interest rate.

The standard purchase interest rate of the Bendigo Bright^® Credit Card is currently 9.99% p.a. The cash advance rate of the Bendigo Bright^® Credit Card is currently 19.99% p.a.

Offer does not apply to any other transactions, fees and charges.

Balance transfers must be processed by Bendigo Bank in accordance with the Bendigo Bank Credit Card Terms & Conditions 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.

^Platinum Rewards Credit Card Offer

Offer period 4 October 2022 to 28 February 2023:

0.00% p.a. purchase rate for up to 18 months from account opening.

Application must be submitted between 12:01am AEDT/AEST 4 October 2022 and 11:59pm AEDT/AEST 28 February 2023.

Bendigo Bank may vary or end this offer at any time and it is only available on the Platinum Rewards Credit Card. Offer not available in conjunction with any other Bendigo Bank offer including Platinum Rewards Complete Credit Card or Shareholder products. One account per customer. Offer is not available when closing or transferring from another Bendigo Bank credit card account or if you have held a Bendigo Bank credit card product in the last 12 months. Minimum monthly repayments must be made as per your monthly statement and the account not otherwise be in default.

0.00% p.a. Purchase rate

No interest will be charged on purchases for the first 18 months from account opening. After a period of 18 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 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.

^Qantas Platinum Credit Card offer

Offer period 1 August 2022 to 31 January 2023:

0.00% p.a. purchase rate for up to 20 months from account opening.

Application must be submitted between 12:01am AEST/AEDT 1 August 2022 and 11:59pm AEST/AEDT 31 January 2023.

Bendigo Bank may vary or end this offer at any time and it is only available on the Qantas Platinum Credit Card. Offer not available in conjunction with any other Bendigo Bank offer including Shareholder products. One account per customer. Offer is not available when closing or transferring from another Bendigo Bank credit card account or if you have held a Bendigo Bank credit card product in the last 12 months. Minimum monthly repayments must be made as per your monthly statement and the account not otherwise be in default.

0.00% Purchase Rate

No interest will be charged on purchases for the first 20 months from account opening. After a period of 20 months from account opening, the remaining purchase balance will revert to purchase interest rate. Offer does not apply to cash advances.

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

^Platinum Rewards Credit Card Offer

Offer period 1 March 2022 to 3 October 2022:

0.00% p.a. purchase rate for up to 20 months from account opening.

Application must be submitted between 12:01am AEDT 1 March 2022 and 11:59pm AEST 3 October 2022.

Bendigo Bank may vary or end this offer at any time and it is only available on the Platinum Rewards Credit Card. Offer not available in conjunction with any other Bendigo Bank offer including Platinum Rewards Complete Credit Card or Shareholder products. One account per customer. Offer is not available when closing or transferring from another Bendigo Bank credit card account or if you have held a Bendigo Bank credit card product in the last 12 months. Minimum monthly repayments must be made as per your monthly statement and the account not otherwise be in default.

0.00% p.a. Purchase rate

No interest will be charged on purchases for the first 20 months from account opening. After a period of 20 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 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.

^Qantas Platinum Credit Card offer

Offer period 1 August 2022 to 31 January 2023:

0.00% p.a. purchase rate for up to 20 months from account opening.

Application must be submitted between 12:01am AEST/AEDT 1 August 2022 and 11:59pm AEST/AEDT 31 January 2023.

Bendigo Bank may vary or end this offer at any time and it is only available on the Qantas Platinum Credit Card. Offer not available in conjunction with any other Bendigo Bank offer including Shareholder products. One account per customer. Offer is not available when closing or transferring from another Bendigo Bank credit card account or if you have held a Bendigo Bank credit card product in the last 12 months. Minimum monthly repayments must be made as per your monthly statement and the account not otherwise be in default.

0.00% Purchase Rate

No interest will be charged on purchases for the first 20 months from account opening. After a period of 20 months from account opening, the remaining purchase balance will revert to purchase interest rate. Offer does not apply to cash advances.

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

*Bendigo Bright^® Credit Card offer

Offer commences 30 November 2022 and may be varied or withdrawn at any time. The 0.00% p.a. purchase rate for up to 18 months from account opening. This offer is for approved applicants who apply for a new Bendigo Bright^® Credit Card before the offer is varied or withdrawn.

Offer is only available on the Bendigo Bright^® Credit Card. Offer not available in conjunction with any other Bendigo Bank offer including Shareholder products. One account per customer. Offer is not available when closing or transferring from another Bendigo Bank credit card account or if you have held a Bendigo Bank credit card product in the last 12 months. Minimum monthly repayments must be made as per your monthly statement and the account not otherwise be in default.

0.00% p.a. Purchase rate

No interest will be charged on purchases for the first 18 months from account opening. After a period of 18 months from account opening, the remaining purchase balance will revert to the purchase interest rate. Offer does not apply to cash advances.

The standard purchase interest rate of the Bendigo Bright^® Credit Card is currently 11.99% p.a. The cash advance rate of the Bendigo Bright^® Credit Card is currently 19.99% p.a.

**Bendigo Ready Credit Card Offer

Offer commences 30 November 2022 and may be varied or withdrawn at any time. The 0.00% p.a. purchase rate for up to 18 months from account opening is for approved applicants who apply for a new Bendigo Ready Credit Card before the offer is varied or withdrawn.

Offer is only available on the Bendigo Ready Credit Card. Offer not available in conjunction with any other Bendigo Bank offer. One account per customer. Offer is not available when closing or transferring from another Bendigo Bank credit card account or if you have held a Bendigo Bank credit card product in the last 12 months. Minimum monthly repayments must be made as per your monthly statement and the account not otherwise be in default.

0.00% p.a. Purchase rate

No interest will be charged on purchases for the first 18 months from account opening. After a period of 18 months from account opening, the remaining purchase balance will revert to purchase interest rate. Offer does not apply to cash advances.

The purchase interest rate of the Bendigo Ready Credit Card is currently 19.99%p.a. The cash advance rate of the Bendigo Ready Credit Card is currently 19.99% p.a.

^Platinum Rewards Credit Card Offer

Offer period 1 November 2021 to 28 February 2022

0.00% purchase rate for up to 12 months from account opening.

Application must be submitted between 12:01am AEDT 1 November 2021 and 11:59pm AEDT 28 February 2022.

Bendigo Bank may vary or end this offer at any time before you apply and it is only available on the Platinum Rewards Credit Card. Offer not available in conjunction with any other Bendigo Bank offer not referred to on this page including Platinum Complete and Deals or Shareholder products unless otherwise specified. One account per customer. Bonus points are awarded to a new account once only. 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.

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 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.

Terms, conditions, fees and charges apply. All information, including interest rates and fees, is correct as at 1 April 2021 and is subject to change. Full details available on application. Lending criteria apply.

*Offer period 1 April 2021 to 1 August 2021: 13.99%p.a. balance transfer for 24 months

Low Rate Credit Card Balance Transfer Offer commences on 1 April 2021 and comprises 13.99%p.a. balance transfer for 24 months from account opening.

Application must be submitted between 12:01am AEST 1 April 2021 and 11:59pm AEST 1 August 2021.

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 24 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.

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.

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.

The Canstar 5-Star Rating for Outstanding Value Low Rate Credit Card was awarded in September 2020 for the Low Rate Credit Card.

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

Terms, conditions, fees and charges apply. All information, including interest rates and fees, is correct as at 1 February 2021 and is subject to change. Full details available on application. Lending criteria apply.

*Offer period 1 February 2021 to 31 May 2021: 0% balance transfer for 18 months

Low Rate Credit Card Balance Transfer Offer commences on 1 February 2021 and comprises 0%p.a. balance transfer for 18 months from account opening.

Application must be submitted between 12:01am AEST 1 February 2021 and 11:59pm AEST 31 May 2021.

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 18 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.

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.

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.

The Canstar 5-Star Rating for Outstanding Value Low Rate Credit Card was awarded in September 2020 for the Low Rate Credit Card.

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

Updated as of 1 April 2021, this offer is no longer available.

*Low Rate Credit Card Offer

Terms, conditions, fees and charges apply. All information, including interest rates and fees, is correct as at 1 December 2020 and is subject to change. Full details available on application. Lending criteria apply.

Low Rate Credit Card Offer commences on 1 October 2020 and comprises 0% purchase rate for 15 months and a $150 Woolworths Supermarket Gift Card when you spend $1,000 on eligible purchases in 90 days.

To be eligible, a new Low Rate Credit Card application must be submitted between 12:01am AEST 1 October 2020 and 11:59pm AEST 31 January 2021.

Bendigo Bank may vary or end this 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 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. Promotional balance transfer offer 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, 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.

$150 Woolworths Supermarket Gift Card

Subject to you meeting a minimum spend amount of $1,000 on eligible purchases within 90 days of opening your account, the $150 Woolworths Supermarket Gift Card will be awarded to you 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, 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.

Woolworths Group Ltd ABN 88 000 014 675 is the issuer of the Woolworths Supermarket Gift Card, but is not the promoter of the offer, nor responsible for fulfilment of the offer terms.

Woolworths Supermarket Gift Card, have no expiry date and are redeemable at participating stores only. For a list of participating stores and full Gift Card Terms and Conditions visit woolworths.com.au/giftcards

Low Rate Credit Card Offer

*Terms, conditions, fees and charges apply. All information, including interest rates and fees, is correct as at 3 August 2020 and is subject to change. Full details available on application. Lending criteria apply.

Low Rate Credit Card offer commences 3 August 2020 and comprises a $150 Woolworths Supermarket Gift Card offer and $0 annual fee for the first year.

To be eligible, a new Low Rate Credit Card application must be submitted between 3 August and 11:59pm AEST 30 September 2020 and approved.

Bendigo Bank may vary or end this offer and it is not available to staff or in conjunction with any other offer including Low Rate Complete, Low Rate Connect 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.

$0 Annual fee for the first year

Low Rate credit card annual fee will be waived for the first year. After the first year the annual fee will revert to the product annual fee (currently $45).

$150 Woolworths Supermarket Gift Card

Subject to you meeting a minimum spend amount of $1,000 on eligible purchases within 60 days of opening your account, the $150 Woolworths Supermarket Gift Card will be awarded to you within 60 days of meeting the spend criteria.

The credit account must not be cancelled, closed or in default before the gift card is awarded. 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.

Woolworths Group Ltd ABN 88 000 014 675 is the issuer of the Woolworths Supermarket Gift Card, but is not the promoter of the offer, nor responsible for fulfilment of the offer terms.

Woolworths Supermarket Gift Card, have no expiry date and are redeemable at participating stores only. For a list of participating stores and full Gift Card Terms and Conditions visit woolworths.com.au/giftcards

Offer period 3 August to 30 September 2020: 0% balance transfer for 6 months

^‡Terms, conditions, fees and charges apply. All information, including interest rates and fees, is correct as at 3 August 2020 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, Low Rate First, Low Rate Platinum, Platinum Rewards and Qantas Platinum Credit Card completed and submitted from 12:01am AEST 3 August 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 Complete, Low Rate First, Low Rate Platinum, Platinum Rewards, Platinum Rewards Complete and Qantas Platinum Credit Cards. Offer not available to staff or in conjunction with any other Bendigo Bank offer including the Low Rate, Platinum Rewards and Qantas Platinum Connect Credit Card 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.

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 % 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 % 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.

^‡Terms, conditions, fees and charges apply. All information, including interest rates and fees, is correct as at 1 May 2020 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 and Qantas Platinum Mastercard completed and submitted between 12:01am AEST 1 May 2020 and 11:59pm AEST 2 August 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 First, Low Rate Platinum and Qantas Platinum Mastercard. Offer not available to staff or in conjunction with any other Bendigo Bank offer including Qantas Platinum Connect Credit Card 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.

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.

Low Rate Credit Card Offer

*Terms, conditions, fees and charges apply. All information, including interest rates and fees, is correct as at 30 April 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 (conditions apply).

Low Rate Credit Card Offer commences 1 May 2020. To be eligible for the offer, a new Low Rate Credit Card application must be completed and submitted between 12:01am AEST 1 May 2020 and 11:59pm AEST 21 June 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.

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 Low Rate Credit Card is currently % p.a. The cash advance rate of the Low Rate Credit Card is currently 13.99% 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.

*Terms, conditions, fees and charges apply. All information, including interest rates and fees, is correct as at 31 December 2019 and is subject to change. Full details available on application. Lending criteria apply.

0% for 18 months balance transfer offer applies to all successful applications for a new Low Rate Mastercard completed and submitted between 12:01am AEST 2 January 2020 to 11:59pm AEST 30 April 2020.

At the end of 18 months from account opening, any remaining unpaid balance transfer amount will attract the standard retail purchase interest rate 11.99% 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. A balance transfer fee of 2% is applied on the amount transferred and is charged to your Bendigo Bank credit card account. Please note, the 0% for 18 months balance transfer offer does not apply to any fees or charges associated with the account including the annual fee and the balance transfer 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 Mastercard. Offer not available to staff or in conjunction with any other Bendigo Bank offer including Low Rate Connect Mastercard and Low Rate Mastercard 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.

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

Offer period 1 May to 2 August 2020: 0% balance transfer for 6 months

^‡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.

^{^}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.

Bonus points offer commences 1 September 2019. To be eligible for the 50,000 bonus points, a new Platinum Rewards Mastercard application must be completed and submitted, and you must spend a minimum amount of $1,500 on eligible purchases within 60 days of opening your account. Ineligible purchases are described in the Bendigo Rewards Terms and Conditions and 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.

Bonus points will be awarded to your points balance within 60 days 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.

Bendigo Bank may vary or end this offer and it is available on the Platinum Rewards Mastercard and Platinum Rewards Connect Mastercard. Offer not available to staff or in conjunction with any other Bendigo Bank offer including Platinum Rewards Mastercard Deals or Shareholder products unless 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 joint offer of 50,000 bonus points and 0% balance transfer for 6 months is available on the Platinum Rewards Mastercard only and is not available on the Platinum Rewards Connect Mastercard, to staff or in conjunction with any other Bendigo Bank offer including Platinum Rewards Mastercard Deals or Shareholder products unless specified.

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