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Low Rate Credit Card

0.00% p.a. on purchases for up to 18 months*

There’s a lot to love about the Low Rate Credit Card

  • 1
    0.00% p.a. on purchases for up to 18 months.*
  • 2
    Low ongoing rate
  • 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 18 months from account opening.* At the end of 18 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.

Promotion

Woman on a yoga mat in yoga pose with Christmas tree in the background.

Find some breathing space

Apply for a Low Rate Credit Card by 28 February 2022 and you’ll pay 0.00% on purchases for up to 18 months.*

Whether you’re buying gifts, groceries or any other goods, you’ll find some breathing space from credit card interest.

Woman on a yoga mat in yoga pose with Christmas tree in the background.

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Things you should know

Terms, conditions, fees and charges apply. All information is correct as at 1 November 2021 and is subject to change. Full details available on application. Credit criteria apply. Interest rate and annual fee current at 1 November 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.

View the Target Market Determination for this product.

*Low Rate Credit Card Offer

Offer period 1 November 2021 to 28 February 2022:

0.00%p.a. purchase rate for up to 18 months from account opening.

Application must be submitted between 12:01am AEDT 1 November 2021 and 11:59pm AEDT 28 February 2022.

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.

Purchase rate offer

For the first 18 months after account opening, interest on purchases (Eligible Transactions) is waived, subject to minimum monthly repayments being made and the account not otherwise being in default. At the end of 18 months from account opening, the remaining purchase balance will revert to standard purchase interest rate.

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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