Key features of the Low Rate Mastercard.
Low interest rate of 11.99% p.a.
Low annual fee of $45
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.
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.
- 0% p.a. balance transfer for 18 months.* Purchase interest rate applies thereafter.
- 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.
*Terms, conditions, fees and charges apply. All information, including interest rates and fees, is correct as at 31 December 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 2 January 2020 to 11:59pm AEST 30 April 2020.
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. Please note, the 0% for 18 months balance transfer offer does not apply to any fees or charges associated with the account including the annual fee and the balance transfer 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).
Bendigo Bank may vary or end this offer and it is only available on the Low Rate Mastercard. Offer not available to staff or in conjunction with any other Bendigo Bank offer including Low Rate Connect Mastercard and Low Rate Mastercard 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.
Credit provided by Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL/Australian Credit Licence 237879.