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Credit Cards

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.
Low Rate Credit Card Offer

*Terms, conditions, fees and charges apply. All information, including interest rates and fees, is correct as at 30 April 2020 and is subject to change. Full details available on application. Lending criteria apply.

Low Rate Credit Card Offer includes 0% purchase rate for 15 months (conditions apply).

Low Rate Credit Card Offer commences 1 May 2020. To be eligible for the offer, a new Low Rate Credit Card application must be completed and submitted between 12:01am AEST 1 May 2020 and 11:59pm AEST 2 August 2020.

Bendigo Bank may vary or end the Low Rate Credit Card Offer and it is only available on the Low Rate Credit Card. Offer not available to staff or in conjunction with any other Bendigo Bank offer including Low Rate Connect Credit Card and Low Rate Credit Card 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. Offer also subject to minimum monthly repayments being made as per your monthly statement and the account not otherwise being in default.

For the first 15 months after account opening, interest on purchases is waived. 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.

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.

Any payments made to your card account will be applied to amounts that appear on your past statement in order of highest to lowest annual percentage rate. Payments are then applied to transactions that appear in your current statement period from highest to lowest annual percentage rate. Refer to section 15.3 of our credit card Terms and Conditions.

Credit provided by Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL/Australian Credit Licence 237879.

Platinum Rewards Credit Card Double Offer

^Terms, conditions, fees and charges apply. All information, including interest rates and fees, is correct as at 30 April 2020 and is subject to change. Full details available on application. Lending criteria apply.

Platinum Rewards Credit Card Double Offer includes 0% purchase rate for 15 months and 50,000 bonus Rewards Points (conditions apply).

Platinum Rewards Credit Card Double Offer commences 1 May 2020. To be eligible for the offer, a new Platinum Rewards Credit Card application must be completed and submitted between 12:01am AEST 1 May 2020 and 11:59pm AEST 2 August 2020.

Bendigo Bank may vary or end this Platinum Rewards Credit Card Double Offer 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 including Platinum Rewards Connect Credit Card and Platinum Rewards Credit Card 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. Offer also subject to minimum monthly repayments being made and the account not otherwise being in default.

Platinum Rewards Connect Credit Card is only eligible for the 50,000 bonus Rewards Points promotion.

50,000 Bonus Rewards Points

To be eligible for the 50,000 bonus Rewards Points, you must meet a minimum spend of $3,000 on eligible purchases within 90 days of opening your account. Bonus points will be awarded to your Rewards Points balance within the first week of the following month 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.

Ineligible purchases are described in the Bendigo Rewards Terms and Conditions and include cash advances, interest charges, credit fees and charges, 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.

Purchase Rate Offer

For the first 15 months after account opening, interest on purchases is waived. 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.

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.

Any payments made to your card account will be applied to amounts that appear on your past statement in order of highest to lowest annual percentage rate. Payments are then applied to transactions that appear in your current statement period from highest to lowest annual percentage rate. Refer to section 15.3 of our credit card Terms and Conditions.

Credit provided by Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL/Australian Credit Licence 237879.

Offer period 1 May to 2 August 2020: 0% balance transfer for 6 months 

Terms, conditions, fees and charges apply. All information, including interest rates and fees, is correct as at 1 May 2020 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 and Qantas Platinum Mastercard completed and submitted between 12:01am AEST 1 May 2020 and 11:59pm AEST 2 August 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 First, Low Rate Platinum and Qantas Platinum Mastercard. Offer not available to staff or in conjunction with any other Bendigo Bank offer including Qantas Platinum Connect Credit Card 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.

Any payments made to your card account will be applied to amounts that appear on your past statement in order of highest to lowest annual percentage rate. Payments are then applied to transactions that appear in your current statement period from highest to lowest annual percentage rate. Refer to section 15.3 of our credit card Terms and Conditions.

Credit provided by Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL/Australian Credit Licence 237879.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

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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