Earn Bendigo Bank Rewards Points and take advantage of complimentary insurances.7
Three reasons to get a Platinum Rewards Credit Card
Find out if this card is the right fit for you.
Earn rewards
Earn 1.5 Bendigo Bank Rewards® points for every dollar spent.1
Platinum travel perks
Up to 3 consecutive months international travel insurance (for persons under 81 years).7
Security
24/7 fraud monitoring and no liability for unauthorised transactions.5
Platinum Rewards summary
A Platinum credit card that lets you earn points as you shop, which you can redeem online for a huge range of goods and services.
- Earn 1.5 Bendigo Bank Rewards points for every dollar spent1
- Up to 3 consecutive months international travel insurance (for persons under 81 years)7
- Extend warranty on covered purchases made with your credit card7
- 90 day purchase protection on stolen or accidentally damaged purchases when the total cost of the purchase is charged to your participating credit card7
- No fee for additional cardholders
- 24/7 fraud monitoring and no liability for unauthorised transactions5
- Up to 55 days interest free4
- Interest is calculated from the statement date, not from when you made the purchase.
- Use everywhere Mastercard is accepted
- Access Mastercard Priceless® Cities exclusive experiences and special offers
- Mobile payments with your smart phone and smart watch
Check my eligibility
Before you apply, make sure are eligible and have your documentation ready.
Select what to display below
1. Your status
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I'm an individual, not a company
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I'm 18+ years of age
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I'm not currently bankrupt or insolvent
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I’m looking for a credit card for personal use, not business use
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I’m applying for a credit card in my name only
2. Your residency
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I'm an Australian citizen or permanent resident who is living/working in Australia.
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I'm the holder of one of the following acceptable visa subclasses and have applied for permanent Australian residency and have a minimum of 12 months remaining on my visa: 188, 489, 491, 494, 482 (excluding short term stream)
3. Your income
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I receive a regular income from one of the following accepted sources:
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- PAYG (Permanent, non-permanent and casual employment)
- Managed superannuation
- Self-managed superannuation
- Self employed
Rates and fees
Check out the below rates and fees that apply to the Platinum Rewards Credit Card. For the full list of fees and charges, please refer to the credit card terms and conditions.
Annual fee
$89 p.a.
Purchase interest rate
19.99% p.a.
Balance transfer rate
21.99% p.a.
Cash advance rate
21.99% p.a.
Minimum credit limit
$3,000
Additional card holders fee
$0
Discover the Bendigo Bank app
For convenient banking on the go, download the Bendigo Bank app. Big on ease, speed and security, it delivers all the tools you’ll need for seamless online banking.
- Log in quickly and securely with biometric authentication or a Four-digit PIN
- See balances without logging in using Quick Balances
- Pay people and bills in seconds with PayID®, Osko, BPAY
- Add your debit or credit card to Apple Pay or Google Pay from the app
- Card controls at your fingertips
- Safe and secure 24/7
Download the Bendigo Bank app now:
Get the Platinum Rewards Credit Card
Check you meet our eligibility criteria. Apply for this card and get access to useful features.
Due to a high volume of applications, we are experiencing extensive delays in our processing times. Please bear with us as we process applications.
Due to a high volume of applications, we are experiencing extensive delays in our processing times. Please bear with us as we process applications.
New customers
If you are a new customer you can apply online in minutes
Existing customers
If you are an existing customer, you can apply via e-banking.
Apply in branch
If you are a new customer you can apply at your preferred branch.
What does 18,520 points get you?1
Just 18,520 Bendigo Bank Rewards Points gets you $50 to spend on a huge variety of rewards.
Helpful tools
Use our helpful tools to help compare and selected the right credit card for you.
Need help?
Whether you prefer online resources, phone assistance, or a friendly face-to-face chat, we offer a variety of ways to get the support you need. Let us know how we can help!
Online resources
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Things you should know
Terms, conditions, fees and charges apply. All information, including interest rates and fees, is correct as at 1 March 2023 and is subject to change. Full details available on application. Credit criteria apply. Credit provided by Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL/Australian Credit Licence 237879 (‘Bendigo Bank’).
Target Market Determinations for products are available.
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.
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.
5Mastercard Zero Liability: Conditions for protection apply, see mastercard.com.au/zero-liability
7Bendigo Credit Card Insurance: Terms, conditions, exclusions, limits and applicable sub-limits apply. Refer to the Bendigo Credit Card Insurance (Bendigo Ready, Low Rate Platinum, Platinum Rewards, Qantas Platinum) Terms and Conditions for further information. Bendigo Bank does not guarantee any benefits under this insurance.
Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz) has issued an insurance group policy to Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL and Australian credit licence 237879 (Bendigo Bank) which allows eligible Bendigo Bank account holders and cardholders to claim under it as third party beneficiaries. Access to the benefit of cover under the Credit Card Complimentary Insurance is provided to eligible Bendigo Bank cardholders by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth). If an eligible person wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits contained in the Bendigo Credit Card Insurance (Bendigo Ready, Low Rate Platinum, Platinum Rewards and Qantas Platinum) Terms and Conditions which may be amended from time to time. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs.
Mastercard trademark: Mastercard and Priceless are registered trademarks, and the circles design and Tap & go are trademarks of Mastercard International Incorporated.
Apple and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries.
Google Pay is a trademark of Google LLC.
PayID® is a registered trademark of NPP Australia Limited.
