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 3 August 2020 and is subject to change. Full details available on application. Lending criteria apply.

Low Rate Credit Card offer commences 3 August 2020 and comprises a $150 Woolworths Supermarket Gift Card offer and $0 annual fee for the first year.

To be eligible, a new Low Rate Credit Card application must be submitted between 3 August and 11:59pm AEST 30 September 2020 and approved.

Bendigo Bank may vary or end this offer and it is not available to staff or in conjunction with any other offer including Low Rate Complete, Low Rate Connect and 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.

$0 Annual fee for the first year

Low Rate credit card annual fee will be waived for the first year. After the first year the annual fee will revert to the product annual fee (currently $45).

$150 Woolworths Supermarket Gift Card

Subject to you meeting a minimum spend amount of $1,000 on eligible purchases within 60 days of opening your account, the $150 Woolworths Supermarket Gift Card will be awarded to you within 60 days of meeting the spend criteria.

The credit account must not be cancelled, closed or in default before the gift card is awarded. The gift card cannot be exchanged, be redeemed for cash in part or full, for another prize or transferrable. Refer to the gift card expiry date. If Woolworths gift card is not available, a gift card to the same value will be provided to an equivalent store.

Ineligible purchases 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.

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

Woolworths Group Ltd ABN 88 000 014 675 is the issuer of the Woolworths Supermarket Gift Card, but is not the promoter of the offer, nor responsible for fulfilment of the offer terms.

Woolworths Supermarket Gift Card, have no expiry date and are redeemable at participating stores only. For a list of participating stores and full Gift Card Terms and Conditions visit woolworths.com.au/giftcards

^‡Terms, conditions, fees and charges apply. All information, including interest rates and fees, is correct as at 3 August 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, Low Rate First, Low Rate Platinum, Platinum Rewards and Qantas Platinum Credit Card completed and submitted from 12:01am AEST 3 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, Low Rate Complete, Low Rate First, Low Rate Platinum, Platinum Rewards, Platinum Rewards Complete and Qantas Platinum Credit Cards. Offer not available to staff or in conjunction with any other Bendigo Bank offer including the Low Rate, Platinum Rewards and 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.

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