With Bendigo Bank you can turn your phone or smart watch into your wallet. Simply load an eligible Bendigo Bank card to your device and pay on the go.
Compare all cards
From our great-value low rate card to our platinum range, we have a card to suit your needs.
Low Rate Credit Card
Low rate card
0.00%p.a. on purchases and balance transfer for up to 20 months from account opening.*
Benefits
Low annual fee and low interest rates
Annual fee
$45
Balance transfer interest rate
0.00% p.a. on balance transfer for up to 20 months from account opening. Standard purchase interest rate of 11.99%p.a. applies thereafter.
Purchase interest rate
0.00% p.a. on purchases for up to 20 months from account opening. Standard purchase interest rate of 11.99% p.a. applies thereafter.
Cash advance interest rate
13.99% p.a.
Interest free period
Up to 55 days4
Rewards
No
Platinum Rewards Credit Card
Platinum card
0.00%p.a. on purchases for up to 20 months from account opening.^
Benefits
$1 = 1.5 Rewards Points1, travel insurance & purchase protections7
Annual fee
$89
Balance transfer interest rate
21.99% p.a.
Purchase interest rate
0.00% p.a. on purchases for up to 20 months from account opening. Standard purchase interest rate of 19.99% p.a. applies thereafter.
Cash advance interest rate
21.99% p.a.
Interest free period
Up to 55 days4
Rewards
Bendigo Bank Rewards®
Qantas Platinum Credit Card
Platinum card
Earn Qantas Points on your everyday spending
Benefits
$1 = 0.6 Qantas Points2, travel insurance & purchase protections7
Annual fee
$149
Balance transfer interest rate
19.99% p.a.
Purchase interest rate
19.99% p.a.
Cash advance interest rate
21.99% p.a.
Interest free period
Up to 55 days4
Rewards
Qantas Points
Helpful tools
Learn more about the benefits our credit cards provide and choose the card that suits you.
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Things you should know
Terms, conditions, fees and charges apply. All information, including interest rates and fees, is correct as at 1 March 2022 and is subject to change. Full details available on application. Credit criteria apply. Credit provided by Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL/Australian Credit Licence 237879 (‘Bendigo Bank’).
1Bendigo Rewards
Reward 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.
2Qantas Points
To earn Qantas Points with the Qantas Platinum Credit Card, 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. 0.6 Qantas Points will be earned on eligible transactions, 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 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.
4Up to 55 days interest free
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.
7Bendigo Credit Card Insurance
Terms, 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.
*Low Rate Credit Card Offer
Offer period 1 March 2022 to 31 July 2022:
0.00% p.a. purchase rate and 0.00% p.a. balance transfer for up to 20 months from account opening.
Application must be submitted between 12:01am AEDT 1 March 2022 and 11:59pm AEST 31 July 2022.
Bendigo Bank may vary or end this offer at any time and it is only available on the Low Rate Credit Card. Offer not available in conjunction with any other Bendigo Bank offer including Low Rate Complete Credit Card or Shareholder products. One account per customer. Offer is not available when closing or transferring from another Bendigo Bank credit card account or if you have held a Bendigo Bank credit card product in the last 12 months. Minimum monthly repayments must be made as per your monthly statement and the account not otherwise be in default.
0.00% p.a. Purchase rate
No interest will be charged on purchases for the first 20 months from account opening. After a period of 20 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 Low Rate Credit Card is currently % 11.99%p.a. The cash advance rate of the Low Rate Credit Card is currently 13.99%p.a.
0.00% p.a. Balance transfer
Up to 80% of the credit limit may be applied as a balance transfer. A balance transfer fee of 2% of the balance transferred applies.
After a period of 20 months from account opening any remaining unpaid balance transfer amount will be treated as a purchase and attract the standard retail purchase interest rate.
The standard purchase interest rate of the Low Rate Credit Card is currently 11.99%p.a. The cash advance rate of the Low Rate Credit Card is currently 13.99%p.a.
Offer does not apply to any other transactions, fees and charges.
Balance transfers must be processed by Bendigo Bank in accordance with the Bendigo Bank Credit Card Terms & Conditions 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.
^Platinum Rewards Credit Card Offer
Offer period 1 March 2022 to 31 July 2022:
0.00% p.a. purchase rate for up to 20 months from account opening.
Application must be submitted between 12:01am AEDT 1 March 2022 and 11:59pm AEST 31 July 2022.
Bendigo Bank may vary or end this offer at any time and it is only available on the Platinum Rewards Credit Card. Offer not available in conjunction with any other Bendigo Bank offer including Platinum Rewards Complete Credit Card or Shareholder products. One account per customer. Offer is not available when closing or transferring from another Bendigo Bank credit card account or if you have held a Bendigo Bank credit card product in the last 12 months. Minimum monthly repayments must be made as per your monthly statement and the account not otherwise be in default.
0.00% p.a. Purchase rate
No interest will be charged on purchases for the first 20 months from account opening. After a period of 20 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.
Mastercard
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
