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Exclusive 2 in 1 offer

Platinum Rewards Credit Card

Twice the benefits in one great card

150,000 bonus Bendigo Bank Rewards® points*

Redeem around $400 in gift cards from the Rewards Store.

0.00% p.a. on new purchases for up to 12 months2

Take a holiday from credit card interest for up to a year.

Right now, invited Bendigo Bank customers can apply for an exclusive 2 in 1 Platinum Rewards Credit Card offer.

To qualify for the 150,000 bonus Bendigo Bank Rewards® points, you need to apply by 28 February 2022, be approved and spend $3,000 on shopping or other eligible purchases within 60 days of opening your account.

Download key fact sheet for this card.

Rates and fees

  • 1
    $89 Annual fees
  • 2
    0.00% p.a. on purchases for up to 12 months from account opening.2 At the end of 12 months from account opening, the remaining purchase balance will revert to the standard purchase interest rate of 19.99% p.a.
  • 3
    Cash advance rate 21.99% p.a.
  • 4
    Up to 55 days interest free4

Features and benefits

Earn Bendigo Bank Rewards® points

Earn 1.5 Bendigo Bank Rewards® points for every dollar spent on eligible purchases.1

Purchase protection

90 day purchase protection on stolen or accidentally damaged purchases when the total cost is charged to your credit card.7

Fraud protection

24/7 fraud monitoring and Mastercard Zero Liability for unauthorised transactions.5

Travel insurance

Up to 180 days international travel insurance in any 12 month period. This is limited to 90 days per journey.7

Extended warranty

Extended warranty on eligible purchases when using your credit card.7

Contactless purchase

Tap & goTM for contactless purchases.

Things you should know

Terms, conditions, fees and charges apply. All information is correct as at 1 November 2021 and is subject to change. Full details available on application. Interest rate and annual fee current at 1 November 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.

*Platinum Rewards Credit Card 150,000 bonus Bendigo Bank Rewards® points offer

To be eligible for the 150,000 bonus Bendigo Rewards® points, a new Platinum Rewards Credit Card application must be completed and submitted between 12:01am AEST 1 November 2021 and 11:59pm AEST 28 February 2022 and you must spend a minimum of $3,000 on eligible purchases within 60 days of opening your account. Bonus points offer is only available to existing Bendigo Bank customers by invitation via email or letter. This invitation cannot be transferred.

Eligible and ineligible purchases for bonus Bendigo Rewards® Points offer minimum spend are described in the Bendigo Rewards Terms and Conditions. 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.

Bonus points will be awarded to your points balance within 30 days of meeting the minimum 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 and you must make all minimum monthly repayments required by your credit contract and monthly statement.

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 to staff or 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.

2 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 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.

1Rewards Points are earned on eligible transactions – see Bendigo Rewards Terms and Conditions for details or call 1300 236 344.

Bendigo Bank Rewards is a registered trade mark owned by Bendigo and Adelaide Bank Limited.

4The up to 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.
7Terms, conditions, limits and exclusions apply. Refer to the Bendigo Credit Card Insurance (Qantas Platinum Credit Card and Platinum Rewards Credit Card) Terms and Conditions for further information. Bendigo Bank does not guarantee any benefits under this insurance. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued an insurance group policy to Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL and Australian credit licence 237879 (Bendigo Bank) which allows eligible Bendigo Bank account holders and cardholders to claim under it as third party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs.

5Conditions for protection apply, see

Mastercard is a registered trademark, and Tap & go is a trademark of Mastercard International Incorporated.

View the Target Market Determination for this product.

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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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