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0% for 18 months on balance transfers*

Transfer your credit card balance to a Low Rate Mastercard® and you won’t be charged any interest on that amount for 18 months.

A 2% balance transfer fee applies.

Key features of the Low Rate Mastercard.

01
Low interest rate of 11.99% p.a.
02
Low annual fee of $45
03
Up to 55 days interest free

Low Rate Mastercard

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

Download the key fact sheet for this card.

Bendigo Bank Low Rate Mastercard

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 purchases under $100.
  • Use instore, 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
  • Purchase interest rate 11.99% p.a.
  • Cash advance interest rate 13.99% p.a.

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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.

5Conditions for protection apply, see mastercard.com.au/zero-liability

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

* Terms, conditions, fees and charges apply. All information, including interest rates and fees, is correct as at 1 July 2019 and is subject to change. Full details available on application. Lending criteria apply.

0% for 18 months balance transfer offer applies to all successful applications for a new Low Rate Mastercard completed and submitted between 12:01am AEST 1 July 2019 to 11:59pm AEST 31 August 2019.

At the end of 18 months from account opening, any remaining unpaid balance transfer amount will attract the standard retail purchase interest rate 11.99% 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. A balance transfer fee of 2% is applied on the amount transferred and is charged to your Bendigo Bank credit card account.

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).

Bendigo Bank may vary or end this offer. One account per customer. Offer is not available when closing/transferring from another Bendigo Bank credit card account or if you have held the product in the last 12 months. Offer not available to staff or in conjunction with any other Bendigo Bank offer including Mortgage Bundling, the Connect package, Deals or Shareholder products.

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

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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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