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Set up my card

The simple steps to get started.

Activate my card and set up my PIN

If you’ve received your card you’ll need to activate it. The easiest way to activate a new card is via e-banking or our handy Bendigo Bank app. If you haven’t registered for e-banking, find out how.

Or if you’d prefer to use our award winning app, follow these easy steps:

  1. Visit the App Store (iOS) or Google Play (Android). It's free to download.
  2. Login to the app and set up your 4 digit PIN. You’ll need your Access ID number, Password and Security Token. If you need more help, check out our e-banking support.


There are three ways to activate your card – e-banking, our app, or over the phone. Once you’re connected, follow these easy steps to get started.


  • Click the ‘Cards’ tab on the left hand side
  • Click on your card and follow the prompts to activate

Bendigo Bank app

  • Go to ‘More’ tab then tap on ‘Cards’
  • Tap on your card and follow the prompts to activate


  • Call 1800 035 383
  • Follow the prompts and set a PIN if needed

Mobile payments on the go

Making payments using your compatible phone or wearable device is simple to set up and allows you a fast and easy way to pay on the go. And most importantly it has the same security and fraud protection as your physical card, so you have peace of mind with every tap.

Lost your card? Don’t worry as you’ve still got access to your accounts via your phone or wearable device.

Simply select your device manufacturer below to learn how to add your Bendigo Bank card to your phone or wearable device.

Pay easily and securely with your Bendigo Bank card using Apple Pay*

Now you can enjoy all the benefits of your Bendigo Bank card using Apple Pay.* It’s the easy, secure, and private way to pay.

Tap. Pay. Done.

Google PayTM is the fast, simple way to pay with your Bendigo Bank card in stores and online.

Samsung Pay logo

More than a wallet

Access your favourite cards on your Samsung phone to make payments on the go, just by tapping your device.

No wallet? No phone? No problem.

Garmin Pay™ lets you make purchases quickly and almost effortlessly with nothing needed but your watch.

Shop today, reward yourself tomorrow

If you have a Platinum Rewards or Qantas Platinum credit card you’ll start earning Rewards Points1 or Qantas Points2 from the moment you start shopping. But first so you can view and redeem Rewards Points and Qantas Points, follow these easy steps below:

Register for e-banking so you can browse and claim thousands of Bendigo Bank Rewards via the Bendigo Bank website or app. Learn More

Your destination awaits. Become a Frequent Flyer Member to redeem your Qantas Points. Learn how to register here.

Things you should know

*Terms and Conditions apply. Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, iTunes, Mac, MacBook Pro, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. Touch Bar is a trademark of Apple Inc.
Apple Pay works with iPhone 6 and later in stores, apps, and websites in Safari; with Apple Watch in stores and apps (requires iPhone 6 or later); with iPad Pro, iPad (5th generation), iPad Air 2, and iPad mini 3 and later in apps and websites in Safari; and with Mac (2012 or later) in Safari with an Apple Pay–enabled iPhone or Apple Watch. For a list of compatible Apple Pay devices, see

Google Pay is a trademark of Google LLC.

Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.

Fitbit and the Fitbit logo are trademarks or registered trademarks of Fitbit, Inc. in the U.S. and other countries.

Garmin, the Garmin logo, and the Garmin delta are trademarks of Garmin Ltd. or its subsidiaries and are registered in one or more countries, including the U.S. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.

1Bendigo Rewards

Rewards Points are earned on eligible transactions – see Bendigo Rewards Terms and Conditions for details or call 1300 236 344. Conversion calculation correct as at 8 August 2023. Conversion rates subject to change.

Bendigo Bank Rewards is a registered trade mark owned by Bendigo and Adelaide Bank Limited.

2Qantas Points

To earn Qantas Points with the Qantas Platinum Credit Card, you must be a member of the Qantas Frequent Flyer program and provide your Qantas Frequent Flyer number to Bendigo Bank. Membership of the Qantas Frequent Flyer program is subject to the terms and conditions of the Qantas Frequent Flyer program, which can be found at 0.6 Qantas Points will be earned on eligible transactions, transferred monthly to the Frequent Flyer account and are capped at 20,000 points per month – see Bendigo Credit Card Terms and Conditions for details or call 1300 236 344. Ineligible transactions are BPAY transactions, cash advances, payments to the Australian Taxation Office, cash equivalent transactions, business transactions, balance transfers, and transactions for gambling or gaming purposes, any fee or charge, including any government charges or duties, interest and finance charges payable or paid on your credit card, transactions which are disputed, fraudulent or involve the abuse or unauthorised use of your credit card and payments and purchases which are refunded or reimbursed. To obtain your complimentary QFF membership go to

Bendigo and Adelaide Bank acknowledges Aboriginal and Torres Strait Islander peoples as the First Peoples of this nation and the Traditional Custodians of the land where we live, learn and work. We pay our respects to Elders past and present as it is their knowledge and experience that holds the key to the success of future generations.

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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