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Everything you need to know about using your Bendigo Bank credit card.

Paying your credit balance

Your credit card statement


Receive your detailed statement monthly.


Check all details and contact us if anything doesn’t seem right.


Check the due date, minimum repayment and closing balance.


Pay at least the minimum repayment before the due date.

There are a number of ways you can make your repayments

  • Automatic direct debit from your account.
  • Online via Bendigo e-banking or BPAY from other financial institutions.
  • Direct transfer through Bendigo Bank phone banking.
  • By cash, cheque or direct transfer in branch.
  • Through one of our deposit ATMs.
  • Through Bank@Post at participating Australia Post Offices.


Pay by post

Mail the completed detachable section of your statement along with your personal cheque to:

Bendigo Bank, P.O. Box 480, Bendigo, VIC 3552, Australia

Understanding Interest

The way we calculate interest saves you money.

  • We charge interest from the statement date, not the purchase date - so your interest-free days apply, even if you don't pay off your balance in full.
  • We only charge interest on the outstanding amount; any amount paid by the due date won't attract interest.
  • There is no interest free period for Cash Advances or Balance Transfers.

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.

Making a balance transfer

Transfer all or part of your balance from another bank to a Bendigo Bank credit card and save on your interest repayments.

The benefits

Save money with our interest-free period.

Balance will revert to annual purchase rate after interest free period, not the cash advance rate.

Manage your credit-card debt more easily when it's all in one place.

Join a Bank that's consistently rated highly for trust and satisfaction.

How to make a balance transfer

Transfer the balance to your Bendigo Bank credit card from a credit card with another bank quickly and easily.
  • Choose to make a balance transfer when you're applying for your new Bendigo Bank credit card.
  • Provide the BPAY details of your other credit card and the amount you want to transfer, and we will process the transfer.
  • Close your other credit card account; we are unable to do this on your behalf.
  • To transfer the balance from another credit card onto your existing Bendigo Bank credit card, contact us.

Things to note

After our initial interest-free period, our credit card interest rate will apply to the amount still owing. We cannot transfer balances in the following cases:
  • From other Bendigo Bank credit card accounts.
  • From credit or store cards issued outside Australia.
  • If your Bendigo Bank credit card has reached or exceeded its credit limit.
  • If you are in default under an existing Bendigo Bank credit card at the time you apply.
  • If the credit or store card named in your application has reached or exceeded its credit limit or is in default.

Shop with confidence online or in-store

Take advantage of our contactless cards for quick and easy in-store transactions. And use our collaboration with Visa and Mastercard to make shopping online convenient and secure.

Shop in-store

Contactless technology lets you speed through the checkout by simply tapping your card.

  • Use it wherever you see the contactless logo.
  • Tap your card against the reader where the contactless symbol appears.
  • Transactions over $100 will prompt you to enter your PIN.
  • Bendigo Bank cards are embedded with secure encryption technology which protects your card data.
  • Because your card remains in your possession throughout the transaction, your chances of fraud are reduced.
  • As long as you take reasonable care when using your card, you will not be held liable for any unauthorised transactions.
  • In the event that your card is lost or stolen, or you notice unauthorised transactions performed on your account, let us know immediately

Shop online

Use MasterPass™ or Visa Checkout for safer and more convenient online shopping.

These services let you store your details for multiple cards and addresses – so you don't need to re-enter them every time you check out.

  • Checkout online with one log on and password.
  • Store all major credit, debit and prepaid card details (from any financial institution) in one online location.
  • Store all your shipping and delivery details for multiple addresses (e.g. home, work).
  • Safe and secure technology protects your personal information.
  • Register free for MasterPass.
  • Register free for Visa Checkout.

Benefits of recurring payments

Setting up a recurring payment with a merchant allows them to debit your card automatically meaning you pay on time, every time.

Things to note

  • Recurring payments are an agreement between you and the merchant.
  • Keep a record of payments, so you know exactly what you've set up.
  • Notify the merchant when your card details change, e.g. card number or expiry date.
  • Keep a copy of correspondence about recurring payments, as well as earlier agreements; you'll need them if you have a dispute with a merchant.

How do I cancel a recurring payment?

  • To cancel a recurring payment you should contact the merchant at least 15 days before the next scheduled payment and keep a copy of the cancellation request.
  • If the merchant does not act in accordance with your instructions you may be able to dispute the transaction.
  • When your card number changes you must ask the merchant to change the details of your existing recurring payment arrangement to ensure the payments continue.

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.

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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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