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0% for 18 months on balance transfers*

Transfer your credit card balance to a Low Rate Mastercard® and you won’t be charged any interest on that amount for 18 months.

A 2% balance transfer fee applies.

Low Rate Mastercard

A low purchase interest rate of 11.99 % p.a. and a low annual fee of $45 makes this the ideal card for everyday spending.

Download the key fact sheet for this card.

Benefits of a Low Rate Mastercard


Low interest rates and low annual fee

11.99 % p.a. purchase interest rate,

13.99 % p.a. cash advance rate,

$45 annual fee.

Digital wallets

Use with your smartphone or smartwatch, including Apple Pay, Google Pay™ and Samsung Pay.
Balance transfers

After 18 months, the interest rate reverts to the purchase interest rate.

Calculate how much you save#

See how much you could save by transferring your existing credit card balance to a Low Rate Mastercard.

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

* Terms, conditions, fees and charges apply. All information, including interest rates and fees, is correct as at 1 July 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 1 July 2019 to 11:59pm AEST 31 October 2019.

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.

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).

Bendigo Bank may vary or end this offer. One account per customer. Offer is not available when closing/transferring from another Bendigo Bank credit card account or if you have held the product in the last 12 months. Offer not available to staff or in conjunction with any other Bendigo Bank offer including Mortgage Bundling, the Connect package, Deals or Shareholder products.

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

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.

Google Pay is a trademark of Google LLC.

#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 Low Rate Mastercard.

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.

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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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