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Choose a credit card from our range of options and reap the benefits.

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From our great-value low rate cards to our platinum range, we have a card to suit your needs. Scroll through our cards using the right and left arrows.

Terms, conditions, fees and charges apply. All information is correct as at 20/6/2019 and is subject to change. Full details available on application. Lending criteria apply. Interest rate and annual fee current at 20/06/2019. Rates and fees are subject to change. Credit provided by Bendigo and Adelaide Bank Limited ABN 11 068 049 178 Australian Credit Licence 237879.

3Terms, conditions, limits and exclusions apply. Refer to the Bendigo Credit Card Insurance (Qantas Platinum Mastercard, Platinum Rewards Mastercard and Low Rate Platinum Mastercard) 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.
1Rewards points are earned on eligible transactions – see Bendigo Rewards Terms and Conditions for details or call 1300 236 344.
2To earn Qantas Points with the Qantas Platinum Mastercard, you must be a member of the Qantas Frequent Flyer program and provide your Qantas Frequent Flyer number to Bendigo Bank. Membership of the Qantas Frequent Flyer program is subject to the terms and conditions of the Qantas Frequent Flyer program, which can be found at Qantas.com/terms. A joining fee may apply. Qantas Points are earned on eligible transactions at the applicable conversion rate of 0.6 Qantas Points per dollar, are transferred monthly to the Frequent Flyer account and are capped at 20,000 points per month – see Bendigo Credit Card Terms and Conditions for details or call 1300 236 344. Ineligible transactions are, for example, BPAY transactions, cash advances, payments to the Australian Taxation Office, cash equivalent transactions, business transactions, balance transfers, and transactions for gambling or gaming purposes, any fee or charge, including any government charges or duties, interest and finance charges payable or paid on your credit card, transactions which are disputed, fraudulent or involve the abuse or unauthorised use of your credit card and payments and purchases which are refunded or reimbursed. To obtain your complimentary QFF membership go to qantaspoints.com/ffjoinbendigo.
4The 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.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

*The standard purchase interest rate of the Low Rate Mastercard is currently 11.99% p.a. The cash advance rate of the Low Rate Mastercard is currently 13.99% p.a.

Offer applies to all successful applications for a new Low Rate Mastercard completed and submitted between 12:01am AEST 1 November 2019 and 11:59pm AEST 31 December 2019. 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.

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 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 0% purchase interest rate offer is available in conjunction with the Low Rate Mastercard 0% balance transfer for 6 months offer.

^Entry is only open to Australian residents who are 21 years and over and are a Bendigo Bank debit or credit Mastercard account holder. Business debit and credit Mastercard account holders are excluded from this promotion. Starts 1/11/19 9am AEDT. Ends 15/12/19 11:59pm AEDT. Max 1 entry/transaction. Draw: 2:30pm AEDT 23/12/19, L4/411 Collins St, Melb. VIC 3000. Prizes: Trip for 2 adults (21yrs+) to the 2020 Grammy Awards (Up to US$30,000); 10 x AUD$500 JB Hi-Fi gift card. Winners published in the Australian on 25/12/19. Promoter: Bendigo and Adelaide Bank Ltd ABN 11 068 049 178, The Bendigo Centre - 22 Bath Lane, Bendigo VIC 3550. For Terms and Conditions see here. Permit No's: ACT Permit No. TP 19/04361, NSW Permit No. LTPS/19/38811 and SA Permit No. T19/1695

The winner of the GRAMMY’s prize package must be able to take the prize on the dates specified (22 - 28 January 2020) to coincide with the 62nd Annual GRAMMY Awards taking place on Sunday 26th January 2020. For further information, see Terms and Conditions

GRAMMY®, GRAMMY Awards®, and the gramaphone logo are registered trademarks of the Recording Academy™ and are used under license. © The Recording Academy. The Recording Academy is not operating this competition. The use of any non-Sponsor trademarks, service marks, logos, or other marks in connection with this competition or any prize is not meant by Sponsor to imply the endorsement of the respective owner(s) of such marks, or any affiliation of the respective owner(s) of such marks with competition advertisements or the competition. 

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 31 December 2019.

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.

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 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.

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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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