Access your own money when you need it with a Debit Mastercard®.
Features
Security
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Protected by 24/7 fraud monitoring.
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Manage your transactions at any time via e-banking or the Bendigo Bank app.
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Mastercard Zero Liability5 protection for unauthorised transactions.
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Shop online safely with added card security.
Once your new account is up and running, simply log into the Bendigo Bank app or e-banking to choose your favourite debit card design.
Instant Digital card
As soon as your account is setup in app, get an instant digital card to start using your account.
Secure and easy to manage
Lock, unlock and manage your card in the app 24/7.
Fee-Free Purchases
No transaction fees on Tap & go™ payments.
Debit Rewards and Offers
Exclusive access to discounts and deals. Special offers through Mastercard Priceless Cities.

Debit Mastercard designs
Debit Mastercard
Your choice of our classic plum or blue card for easy access to your money.
Geelong Cats & Adelaide Crows Debit Mastercards
Show your team colours every time you shop and manage your money with pride.

How to order the AFL design debit card?
New and existing customers can order/replace AFL designed debit card by following the steps below:
New customers
- To open an Everyday account, download our app or visit a branch.
- You'll receive a default plum colour debit card with instant digital
wallet access, and a physical card will be mailed to you. - To swap your current card for a Geelong Cats or Adelaide Crows
Debit Mastercard card, call us on 1300 236 344 or visit your local
branch.
Existing customers
- If you have an account with us, or
- If you already have a Bendigo Bank transaction account and want to
swap your current card for a Geelong Cats or Adelaide Crows Debit
Mastercard. - Give us us a call 1300 236 344 or visit your local branch.
Apply for an account to get a debit card
Open one of these accounts to get a debit card.
Everyday Account
A simple transaction account offering internet banking, phone banking and card access.
Student Account
Designed for full time students over 12 years of age, apprentices and trainees.
Easy Retirement Account
Designed for retirees over 55 years of age, self funded retirees or pensioners.
Concession Account
Designed for customers with an eligible Commonwealth Government concession card.
Things you should know
The Debit Mastercard is only available to persons aged 16 years and over and Australian Citizens and permanent residents.
*Other fees may apply to your account. Overseas purchases may be charged a fee. $3 Debit Card fee applies when you have a Bendigo Bank Debit Mastercard linked to a Bendigo Bank account (fee does not apply when linked to the Everyday Account, Easy Retirement Account, Student Account or Concession Account). This fee is charged to the account on the first calendar day of the month. Interest is charged if funds are from an overdraft are accessed.
#When pressing 'credit ' on your debit card the transaction won't hit your account straight away. However the funds will be placed on hold until the amount is debited from your account.
~Transactions processed using PayPass will auto select credit
Google Pay is a trademark of Google LLC.
5Mastercard Zero Liability: Conditions for protection apply, see mastercard.com.au/zero-liability
This information does not take your personal objectives, financial situations or needs into account. You should consider its appropriateness to your circumstances before acting on this information. Please read the disclosure documents for your selected product or service, including the Terms and Conditions, before deciding. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you.
Youth Debit Mastercard
Exclusive to teens aged 12–15, use in-store, online and internationally. It’s the smart and secure way to give your teenager financial freedom.
Fees
No monthly fees or Tap & go™ transaction fees.
ATM access
Access to over 10,000 ATMs across Australia.
Security
Restrictions on unsuitable purchases
Transactions relating to alcohol, tobacco, and gambling are restricted on the Youth Debit Mastercard^.
If the Youth Debit Mastercard is used to make an unsuitable purchase, we will (where possible) block the transaction.
How to get the Youth Debit Mastercard?
New and existing customers can get/order Youth Debit Mastercard by following the steps below:
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2-13 year olds will need to contact their local Bendigo Bank branch to apply for account or card, with a parent or guardian.
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If you are 14-15 years old, call us to apply for a card.
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Before you turn 18 you’ll need to call us on 1300 236 344 to upgrade to a Debit Mastercard.
Open an account
Check that you meet our eligibility criteria. Open our convenient transaction account and get access to useful features.
Everyday Account
Open an Everyday Account by visiting our branch with a parent or a guardian.
Student Account
Open a Student Account by visiting our branch with a parent or a guardian.
Things you should know
The Debit Mastercard is only available to persons aged 16 years and over and Australian Citizens and permanent residents.
*Other fees may apply to your account. Overseas purchases may be charged a fee. $3 Debit Card fee applies when you have a Bendigo Bank Debit Mastercard linked to a Bendigo Bank account (fee does not apply when linked to the Everyday Account, Easy Retirement Account, Student Account or Concession Account). This fee is charged to the account on the first calendar day of the month. Interest is charged if funds are from an overdraft are accessed.
^As at 31 July 2023 the relevant Merchant Category Codes (each an “MCC”) are restricted: MCC 7995 (Gambling Transactions); MCC 9754 (Gambling); MCC 5993 (Cigar Stores and Stands); MCC 5921 (Package Stores, Beer Wine, Liquor); MCC 5813 (Bars, Cocktail Lounges, Discotheques, Nightclubs, and Taverns – Drinking Places); MCC 7273 (Dating Services); MCC 5967 (Direct Marketing – Inbound Telemarketing Merchants); MCC 7297 (Massage Parlours); MCC 5122 (Drugs, Drug Proprietors, and Druggists Sundries – Online only); and MCC 5912 (Drug Stores, Pharmacies – Online only).
#When pressing 'credit ' on your debit card the transaction won't hit your account straight away. However the funds will be placed on hold until the amount is debited from your account.
~Transactions processed using PayPass will auto select credit
Google Pay is a trademark of Google LLC.
5Mastercard Zero Liability: Conditions for protection apply, see mastercard.com.au/zero-liability
This information does not take your personal objectives, financial situations or needs into account. You should consider its appropriateness to your circumstances before acting on this information. Please read the disclosure documents for your selected product or service, including the Terms and Conditions, before deciding. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you.
