Our lowest rate crdit card now come with $200 cashback.#
Step 1: Open a Bendigo Bright Credit Card before April 12.
Hurry limited time offer. days left!
Low rate
11.99% p.a. on purchases.
Interest free period
Up to 55 days interest free on purchases.4
Security
24/7 fraud monitoring and no liability for unauthorised transactions.5
Step 2: Spend $2,000 in the first 3 months to recieve a $200 cashback
It's easy - here are some ways you can earn the $200:
- Spend $670 on grocery each month.
- Can pay your untility bills for 3 months.
- Can pay for your health and home insurance.
- Spend on shopping, movies and restaurants.
- Pay for your flights and hotel for next holiday.
Plese see ineligible purchases outlined in offer details below.
Bendigo Bright summary
A no frills credit card offering low interest, low annual fees and card access for everyday purchases.
- Save on interest and enjoy our lowest everyday purchase rate.
- 24/7 fraud monitoring and no liability for unauthorised transactions.5
- Temporarily block lost cards and transaction types with Bendigo Bank card controls
- Use everywhere Mastercard is accepted
- Access to Mastercard Priceless® Cities exclusive experiences and special offers
- Mobile payments with your smart phone and smart watch
Check my eligibility
Before you apply, make sure are eligible and have your documentation ready.
Select what to display below
1. Your status
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I'm an individual, not a company
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I'm 18+ years of age
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I'm not currently bankrupt or insolvent
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I’m looking for a credit card for personal use, not business use
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I’m applying for a credit card in my name only
2. Your residency
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I'm an Australian citizen or permanent resident who is living/working in Australia.
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I'm the holder of one of the following acceptable visa subclasses and have applied for permanent Australian residency and have a minimum of 12 months remaining on my visa: 188, 489, 491, 494, 482 (excluding short term stream)
3. Your income
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I receive a regular income from one of the following accepted sources:
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- PAYG (Permanent, non-permanent and casual employment)
- Managed superannuation
- Self-managed superannuation
- Self employed
Rates and fees
Check out the below rates and fees that apply to the Bendigo Bright Credit Card. For the full list of fees and charges, please refer to the credit card terms and conditions.
Annual fee
$59 p.a.
Purchase interest rate
11.99% p.a.
Balance transfer rate
19.99% p.a.
Cash advance rate
19.99% p.a.
Minimum credit limit
$1,000
Additional card holders fee
$0
Get the Bendigo Bright Credit Card
Check you meet our eligibility criteria. Apply for this card and get access to these useful features.
Call our team now on 1300 236 344, if you prefer to visit a branch, use our branch locator to find a branch near you.
Mobile payments
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.
Helpful tools
Use our helpful tools to help compare and selected the right credit card for you.
Need help?
Whether you prefer online resources, phone assistance, or a friendly face-to-face chat, we offer a variety of ways to get the support you need. Let us know how we can help!
Online resources
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At a branch
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Phone
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Things you should know
#Bendigo Bright Cashback Promotion
Offer Period
The offer commences at 12:01am AEDT 16 March 2026 and ends on 11:59pm AEDT 12 April 2026. ("Offer Period"). We may vary, withdraw, or extend the offer at any time. This offer cannot be used in conjunction with any other offer unless expressly stated.
Eligibility
This offer is only available to customers who receive an email invitation from us ("Eligible Customers"). Invitations are non-transferable. Eligible Customers must submit an application for the Bendigo Bright Credit Card during the Offer Period and be approved for the credit card prior to the end of the Offer Period. The offer is limited to one credit card per customer.
Offer Details
Eligible Customers will receive $200 cashback when they spend $2,000 or more on everyday purchases within 90 days of card approval ("Spend Criteria"). The following are not eligible purchases: cash out, ATM withdrawals, cash advances, balance transfers, gambling related transactions BPAY payments, Pay Anyone payments, refunds, repayments, interest, fees or charges. Transactions must be fully processed and not pending to count towards the Spend Criteria.
Cashback Fulfilment
The cashback will be credited to the Bendigo Bright Credit Card account within 90 days of the statement period in which the Spend Criteria is met. The cashback credit will be referenced as cashback on the statement.
To be eligible for the cashback, the account must remain open, in good standing, and not in default at any time prior to the cashback being credited (for example, minimum monthly repayments must be made by the due date). Customers will not be eligible if the account is closed or converted to another credit card prior to the cashback being applied.
Bendigo Bright Credit Card
Terms, conditions, fees and charges apply. All information, including interest rates and fees, is correct as at 1 March 2023 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 Australian Credit Licence 237879 ('Bendigo Bank').
Target Market Determinations for products are available.
Bendigo Bright® is a registered trade mark owned by Bendigo and Adelaide Bank Limited.
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.
5Mastercard Zero Liability
Conditions for protection apply, see mastercard.com.au/zero-liability
Mastercard trademark: Mastercard and Priceless are registered trademarks, and the circles design and Tap & go are trademarks of Mastercard International Incorporated.
Apple and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries.
Google Pay is a trademark of Google LLC.
PayID® is a registered trademark of NPP Australia Limited.
