Key features of the Low Rate Credit Card.
0% on purchases for 15 months from account opening.*
Low annual fee of $45
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.
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 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% 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 11.99% p.a.
- Balance transfer interest rate 11.99% p.a.
- Cash advance interest rate 13.99% p.a.
0% on purchases for 15 months from account opening*
Your everyday spending just got a whole lot easier!
Apply before 2 August 2020.
Apply for a Bendigo Bank Low Rate Credit Card between 1 May and 2 August 2020 and you won’t pay interest on new purchases for 15 months from account opening!*
That’s over a year of interest free groceries, bills, gifts and takeaways. It’s also a great opportunity to stay on top of your monthly repayments.
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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 30 April 2020 and is subject to change. Full details available on application. Lending criteria apply.
Low Rate Credit Card Offer includes 0% purchase rate for 15 months (conditions apply).
Low Rate Credit Card Offer commences 1 May 2020. To be eligible for the offer, a new Low Rate Credit Card application must be completed and submitted between 12:01am AEST 1 May 2020 and 11:59pm AEST 2 August 2020.
Bendigo Bank may vary or end the Low Rate Credit Card 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 Connect Credit Card and Low Rate Credit Card 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.
For the first 15 months after account opening, interest on purchases is waived. At the end of 15 months from account opening, 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.
Any payments made to your card account will be applied to amounts that appear on your past statement in order of highest to lowest annual percentage rate. Payments are then applied to transactions that appear in your current statement period from highest to lowest annual percentage rate. Refer to section 15.3 of our credit card Terms and Conditions.
Credit provided by Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL/Australian Credit Licence 237879.