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Low Rate Credit Card

No credit card interest for up to a year.*

How’s that for breathing space?

Key features of the Low Rate Credit Card.

  • 1
    0.00% p.a. on purchases for up to 12 months.*
  • 2
    0.00% p.a. on balance transfers for up to 12 months.*
  • 3
    Low annual fee of $45

Low Rate Credit Card

All the security and convenience you’d expect, a low annual fee and one of the lowest interest rates around make our Low Rate Credit Card the ideal card for your every day purchases.

Download the key fact sheet for this card.

Bendigo Bank Low Rate Credit Card

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. on purchases for up to 12 months from account opening.* At the end of 12 months from account opening, the remaining purchase balance will revert to the standard purchase interest rate of 11.99% p.a.
  • 0.00% p.a. balance transfer for up to 12 months.* Purchase interest rate applies thereafter.
  • Cash advance interest rate 13.99% p.a.

Promotion

Woman in yoga pose on mat.

No credit card interest for up to a year*

Transfer your credit card balance to a Low Rate Credit Card (2% balance transfer fee applies) and pay 0.00% p.a. interest on that balance and new purchases for up to 12 months.*

How's that for breathing space?

Apply by 31 October 2021.

Woman in yoga pose on mat.

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Things you should know

Terms, conditions, fees and charges apply. All information is correct as at 1 July 2021 and is subject to change. Full details available on application. Credit criteria apply. Interest rate and annual fee current at 1 July 2021. Rates and fees are subject to change. Credit provided by Bendigo and Adelaide Bank Limited ABN 11 068 049 178 Australian Credit Licence 237879.

*Low Rate Credit Card Offer

Offer period 1 July 2021 to 31 October 2021: 0.00%p.a. balance transfer and 0.00%p.a. purchase rate for 12 months from account opening.

Application must be submitted between 12:01am AEST 1 July 2021 and 11:59pm AEDT 31 October 2021.

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. Offer also subject to minimum monthly repayments being made as per your monthly statement and the account not otherwise being in default.

Balance transfer offer
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 12 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.

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.

Purchase rate offer
For the first 12 months after account opening, interest on purchases is waived, subject to minimum monthly repayments being made and the account not otherwise being in default. At the end of 12 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.

5Mastercard Zero Liability

Conditions for protection apply, see mastercard.com.au/zero-liability

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.
Mastercard trademark
Mastercard and Priceless are registered trademarks, and the circles design and Tap & go are trademarks of Mastercard International Incorporated.
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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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