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0% on purchases

for 15 months from account opening.*

Receive a $150 Woolworths Supermarket Gift Card when you spend $1,000 in 90 days. Apply for a Low Rate Credit Card before 3 January 2021.

*T&Cs and eligibility criteria apply.

Key features of the Low Rate Credit Card.

1
0.00% on purchases for 15 months from account opening*
2
Low annual fee of $45
3
Up to 55 days interest free

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 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 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% on purchases for 15 months from account opening.* At the end of 15 months from account opening, the remaining purchase balance will revert to the standard purchase interest rate of 11.99% p.a.
  • Balance transfer interest rate 13.99% p.a.
  • Cash advance interest rate 13.99% p.a.
Promotions

0% on purchases for 15 months from account opening plus a $150 Woolworths Supermarket Gift Card!*

Your everyday spending just got a whole lot easier!

Apply for a Bendigo Bank Low Rate Credit Card between 1 October 2020 and 3 January 2021 and you won’t pay interest on new purchases for 15 months from account opening!*

That’s over a year of interest free groceries, gifts and takeaways. Plus, your next grocery shop is on us with a $150 Woolworths Supermarket Gift Card if you spend $1,000 within 90 days from account opening!

It’s also a great opportunity to stay on top of your monthly repayments. Take advantage of this offer when you apply for a new Bendigo Bank Low Rate Credit Card now!

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*Low Rate Credit Card Offer

Terms, conditions, fees and charges apply. All information, including interest rates and fees, is correct as at 30 September 2020 and is subject to change. Full details available on application. Lending criteria apply.

Low Rate Credit Card Offer commences on 1 October 2020 and comprises 0% purchase rate for 15 months and a $150 Woolworths Supermarket Gift Card when you spend $1,000 on eligible purchases in 90 days.

To be eligible, a new Low Rate Credit Card application must be submitted between 12:01am AEST 1 October 2020 and 11:59pm AEST 3 January 2021.

Bendigo Bank may vary or end this offer and it is only available on the Low Rate Credit Card. Offer not available to staff or 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. Promotional balance transfer offer is not available in conjunction with this offer.

Purchase Rate Offer

For the first 15 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 15 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.

$150 Woolworths Supermarket Gift Card

Subject to you meeting a minimum spend amount of $1,000 on eligible purchases within 90 days of opening your account, the $150 Woolworths Supermarket Gift Card will be awarded to you within 60 days of meeting the spend criteria.

The Bendigo Bank credit card account used must not be cancelled, closed or in default before the gift card is awarded to you. The gift card cannot be exchanged, be redeemed for cash in part or full, for another prize or transferrable. Refer to the gift card expiry date. If Woolworths gift card is not available, a gift card to the same value will be provided to an equivalent store. Ineligible purchases include cash advances, interest charges, credit fees and charges, foreign exchange purchases, travellers cheques, credit card payments, gambling chip purchases, payments to the Australian Taxation office, bill payments using BPAY® or utility bills paid over the counter at any financial institution or Post Office and any transactions, payments or purchases that are disputed, fraudulent, unauthorised, refunded or reimbursed. A direct debit will be classified as a cash advance if you have provided the debiting merchant with your BSB and account number.

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

Woolworths Group Ltd ABN 88 000 014 675 is the issuer of the Woolworths Supermarket Gift Card, but is not the promoter of the offer, nor responsible for fulfilment of the offer terms.

Woolworths Supermarket Gift Card, have no expiry date and are redeemable at participating stores only. For a list of participating stores and full Gift Card Terms and Conditions visit woolworths.com.au/giftcards

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.

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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