Credit Cards

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.

*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.

^‡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.