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Manage my card

Everything you need to know about using your Bendigo Bank credit and debit cards.

Important information

We are experiencing a high number of disputes in light of the Coronavirus (COVID-19) situation. Please contact the merchant if the transaction is relating to a travel related purchase prior to submitting a card transaction dispute advice to see if you are entitled to a refund.

Updating details, limits or closing accounts*

If you’re looking to make changes to your credit card, such as managing your credit limit, updating your details or closing your account*, there’re a number of ways to do so:
Contact us
Online enquiry

If you don’t have access to Bendigo Bank e-banking or our app, please contact us via our online enquiry form:

  • Complete the required fields and click submit.

Please DO NOT provide your card number when using Bendigo Bank e-banking and Bendigo Bank e-banking app messaging service OR the online enquiry form.

Add or remove a cardholder

Sharing is caring! Share the benefits of your card by allowing additional cardholders to make purchases, payments, and experience all the additional features your card offers.

To find out how:

Call us

Call our Credit Card team on 1300 236 344.

Contact a branch

Contact any Bendigo Bank branch.


If the additional cardholder is not an existing customer, they’ll need to provide identification in branch. Additional cardholders must be at least sixteen (16) years old.

Alternatively, if you need to remove a cardholder, please contact us via the same options listed above.

Your statement and making repayments

How to repay your Bendigo Bank credit card

There are a number of ways to make your credit card repayment, so choose the one that works best for you.

Set up a direct debit

Set up an automatic direct debit from your transaction account. Call 1300 236 344, or contact your nearest Bendigo Bank branch to find out how.


Online via Bendigo e-banking or BPAY® from other financial institutions.

Phone banking

Transfer through Bendigo Bank phone banking. Call on 1300 236 344, and press 1.

In branch

By cash, cheque or direct transfer at any Bendigo Bank branch or through one of our deposit ATMs. 

Post office

Via Bank@Post at participating Australia Post Offices.

Note: This may attract additional fees.

Pay by post

Mail the completed slip located on your statement, along with your personal cheque to:

Bendigo Bank, PO Box 480, Bendigo, VIC 3552

Please note that refunds, reversals and returns to your credit card account - as well as promotional cashbacks - are not considered payments towards your minimum payment required. Your payment may be applied on the date we receive and process it, which may be later than when you made it: for example if you use another bank to send us your payment.

Switch to e-Statements

Receiving statements electronically is faster and safer than via traditional mail, and also can reduce paper waste. Find out more in e-Statements.

Managing credit and getting help

Helping you gain control of your debt

Credit cards are a safe, secure and convenient way of buying what you want, when you want. But with convenience, comes challenges, and it can often be difficult to maintain a zero monthly balance.

Woman making purchase online using her card.

The quickest way to pay off your debt is to increase your minimum monthly repayment and stop using your card.

Here’s an example of how this could work for you:
If you have a balance of $5,000 outstanding, with an interest rate of 19.99% p.a. and increase your minimum monthly repayment from the minimum $150 to $250, you’ll pay off the balance 2 years and 1 month sooner, saving about $1,225 in interest charges.

This example assumes there is no additional spend on your credit card account, you make monthly payments on time, the whole balance is being charged at the purchase interest rate of 19.99% (i.e. does not include any cash advances), also that no balance transfer or purchase offers are applied.

Our assumptions:
  • Fees and charges that may be applied to your card (e.g. annual fees) are not taken into account.
  • The purchase rate does not change during the repayment period.
  • Your account is not over limit and there are no late payments at any time during the repayment period.

We’re here to help

Simply not using your credit card isn’t always the most practical solution to managing your debt, so here’s a few other options that might help:

Read your statement

Read your credit card statement carefully to fully understand your repayment periods, and how interest is calculated and charged to your account.

Consider your credit card product

Consider whether your card is the best one for you. A low rate credit card with less bells and whistles might help you get back on top of things sooner. Call us on 1300 236 344 to discuss your options.

Call us

If you’re having trouble making your minimum credit card payments, call our Mortgage Help Centre on 1300 652 146 to see how we can help.

Or for more options, including useful resources for financial counselling, learn more here.

Things you should know

Terms, conditions, fees and charges apply. All information is correct as at 30 September 2020 and is subject to change. Full details available on application. Credit criteria apply. Interest rate and annual fee current at 30 September 2020. Rates and fees are subject to change. Credit provided by Bendigo and Adelaide Bank Limited ABN 11 068 049 178 Australian Credit Licence 237879.

*If you wish to close your credit card account, you need to completely pay down the balance on your account, inclusive of all fees and charges. If you are unsure of the closing balance, please contact 1300 236 344 to obtain the exact payout figure.

If you have a Platinum Rewards Credit Card, before closing your account we encourage you to redeem your points. Any points not redeemed before the account is closed will be forfeited.

If you use your credit card to access your transaction account, you will need to consider ordering a debit card to ensure you continue to have access to your funds. For more information on how to do this, visit our Debit Cards page or call 1300 236 344.

Please ensure all your contact details are up to date and note that your request has not been finalised until you receive confirmation from Bendigo Bank either verbally, in branch, over the phone or in writing.

All requests will be assessed and subject to approval and Bendigo Bank is not obliged to reduce the limit below any specified minimum credit limits.

®Registered to BPAY Pty Ltd ABN 69 079 137 518

Connect with us

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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