2% balance transfer fee and T&Cs apply.*
Key features of the Low Rate Credit Card.
0.00% p.a. on balance transfers for 24 months.*
Low annual fee of $45
Up to 55 days interest free
Features & benefits
- No fees for additional cardholders.
- 24/7 fraud monitoring and no liability for unauthorised transactions.5
- Up to 55 days interest free.4
- Interest is calculated from the statement date, not the date you made the purchase.
- Tap & goTM for contactless purchases.
- Use in store, online and withdraw local currency at millions of locations, everywhere Mastercard is accepted.
- Access to Mastercard Priceless® Cities exclusive experiences and special offers.
Rates & fees
- $45 annual fee.
- 0.00% p.a. balance transfer for 24 months.* Purchase interest rate applies thereafter.
- Purchase interest rate 11.99% p.a.
- Cash advance interest rate 13.99% p.a.
0.00%p.a. on balance transfers for 24 months
Apply for a Bendigo Bank Low Rate Credit Card before 1 August 2021 and you won’t pay interest on your transferred amount for 24 months.*
That’s more money in your pocket and less stress in your life.
A 2% balance transfer fee and terms and conditions apply.*
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Terms, conditions, fees and charges apply. All information, including interest rates and fees, is correct as at 1 April 2021 and is subject to change. Full details available on application. Lending criteria apply.
*Offer period 1 April 2021 to 1 August 2021: 0.00%p.a. balance transfer for 24 months
Low Rate Credit Card Balance Transfer Offer commences on 1 April 2021 and comprises 0.00%p.a. balance transfer for 24 months from account opening.
Application must be submitted between 12:01am AEST 1 April 2021 and 11:59pm AEST 1 August 2021.
Up to 80% of credit limit may be applied as a balance transfer. A balance transfer fee of 2% is applied on the amount transferred.
At the end of 24 months from account opening, 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 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.
The Balance Transfer Offer does not apply to fees and charges, including the annual fee, associated with the account.
Balance transfers must be processed by Bendigo Bank 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 Credit Card. Offer not available in conjunction with any other Bendigo Bank offer including Low Rate Complete 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.
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.
The Canstar 5-Star Rating for Outstanding Value Low Rate Credit Card was awarded in September 2020 for the Low Rate Credit Card.
Credit provided by Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL/Australian Credit Licence 237879.