Compare all cards

From our great-value low rate cards to our platinum range, we'll help you save money with our fair way of charging interest.

Low Rate

Mastercard®

Annual Fee

$45

Purchase interest rate

11.99% p.a.

Cash advance interest rate

13.99% p.a.

Interest free period

55 days

Benefits

Low interest rates

Rewards

No

Low Rate First

Mastercard®

Annual Fee

$29

Purchase interest rate

11.99% p.a.

Cash advance interest rate

13.99% p.a.

Interest free period

55 days

Benefits

Exclusive to customers aged 18 - 25 years

Rewards

No

Low Rate Platinum

Mastercard®

Annual Fee

$89

Purchase interest rate

11.99% p.a.

Cash advance interest rate

13.99% p.a.

Interest free period

55 days

Benefits

Mobile phone and tablet insurance + purchase protections1

Rewards

No

Platinum Rewards

Mastercard®

Annual Fee

$89

Purchase interest rate

19.99% p.a.

Cash advance interest rate

21.99% p.a.

Interest free period

55 days

Benefits

$1 = 1.5 Rewards Points3, Travel insurance + purchase protections1

Rewards

Yes

Qantas Platinum

Mastercard®

Annual Fee

$149

Purchase interest rate

19.99% p.a.

Cash advance interest rate

21.99% p.a.

Interest free period

55 days

Benefits

$1 = 0.6 Qantas Points2, Travel insurance + purchase protections1

Rewards

Yes

RSPCA

Mastercard®

Annual Fee

$45

Purchase interest rate

19.99% p.a.

Cash advance interest rate

21.99% p.a.

Interest free period

55 days

Benefits

Percentage of spend goes to RSPCA Adoptapet

Rewards

No

Low rate, low fees

Our range of Low Rate cards combine low interest rates and low annual fees with our fair way of charging interest, so you can start saving with every purchase.

Low Rate First Mastercard®

  • The perfect card for 18 to 25 year olds, with a low purchase rate of 11.99% p.a. and an annual fee of just $29.
  • Up to 55 days interest free.

Low Rate Mastercard

  • A low purchase rate of 11.99% p.a and an annual fee of $45 makes this the ideal card for every day spending.
  • Up to 55 days interest free.

Low Rate Platinum Mastercard

  • A low purchase rate of 11.99% p.a, with the added benefits of mobile phone and tablet insurance, and protections on your purchases1.
  • Have peace of mind with our best price guarantee, so if you find the same item you’ve purchased on your card for a cheaper price, you can claim a refund for the difference1.

See your points soar

With one of the lowest annual fees in the market and a competitive interest rate, our Qantas Platinum Mastercard® is the ideal way to earn Qantas Points on your everyday spending2.

Qantas Platinum Mastercard®

  • Earn 0.6 Qantas Points per dollar spent2
  • Enjoy 180 days comprehensive travel insurance, along with a range of purchase protections1.

Reward yourself

Platinum Rewards lets you earn points as you shop, which you can redeem online for a huge range of goods and services.

Platinum Rewards Mastercard®

  • 100,000 BONUS POINTS when you spend $2,500 on everyday purchases within 90 days of account opening. To be eligible enter the promotion code REWARDS into the application form6.
  • Earn 1.5 Bendigo Rewards points for every dollar you spend, which you can redeem for products and vouchers3.
  • Enjoy 180 days comprehensive travel insurance, as well as 90 day purchase protection on lost, stolen or damaged purchases1.

Help your furry friends

When you choose an RSPCA Mastercard® you'll join us in supporting the RSPCA Adoptapet program. So far, more than $3 million has been raised to help animals find their forever home.

RSPCA Mastercard®

  • We’ll donate a percentage of your monthly spend to the RSPCA Adoptapet program. You can also choose to make an additional tax-deductible $5 donation each month.
  • Personalise your card for FREE with the image of your choice.

Credit provided by Bendigo and Adelaide Bank Limited ABN 11 068 049 178 Australian Credit Licence 237879.

Terms, conditions, fees and charges apply. All information is correct as at 01/08/17 and is subject to change. Full details available on application. Lending criteria apply. Interest rate and annual fee current at 01/08/17. Rates and fees are subject to change. Credit provided by Bendigo and Adelaide Bank Limited ABN 11 068 049 178 Australian Credit Licence 237879.

Mastercard and Priceless are registered trademarks and the circles design and Tap & Go are trademarks of Mastercard International Incorporated.

1Our insurance partners - Platinum Rewards insurances are underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) (Chubb). Qantas Platinum and Low Rate Platinum insurances are issued by AWP Australia Pty Ltd ABN 52 097 227 177 AFSL No. 245631 trading as Allianz Global Assistance (under a binder from Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No. 234708) to Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL No. 237879. Bendigo Bank doesn’t guarantee any of the benefits provided under the insurance covers. Terms and conditions, limits and exclusions apply. Neither Bendigo Bank, nor any of its Group of companies, has any liability in connection with any insurance claim under the Terms and Conditions. Neither Bendigo Bank, nor any of its Group of companies, guarantee or are liable to pay any of the benefits provided under the covers, nor are they authorised representatives of the insurance providers. Platinum cardholders do not hold these insurances but receive benefits under the insurance covers. The insurance providers and Bendigo Bank may agree to terminate the covers at any time. Bendigo Bank will notify the Platinum cardholders on or before the date of such termination.

2To earn Qantas Points with Qantas Platinum Mastercard 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 You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. A joining fee usually applies, however complimentary membership is available from Bendigo Bank if you join here. Membership and the earning and redemption of points are subject to the terms and conditions of the Qantas Frequent Flyer program. Qantas Points are earned in accordance with and subject to the Bendigo Bank terms and conditions.
Qantas Points are earned on eligible transactions at the rate of 0.6 Qantas Points per dollar, are credited monthly to the Frequent Flyer account and are capped at 20,000 points per month – see Bendigo Credit Card Terms and Conditions or call 1300 236 344. Eligible transactions exclude, for example, 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. For complimentary membership, join at  qantaspoints.com/ffjoinbendigo

3Rewards points - Rewards points are earned on eligible transactions – see Bendigo Rewards Terms and Conditions, or call 1300 236 344. This calculator is for illustrative purposes only and shows the difference that Bendigo Bank's interest charging method makes on a purchase made on day 5 of a 30-day statement period with a partial repayment on or before the due payment date. Terms, conditions, fees and charges apply. All information is correct as at 01/02/16 and is subject to change. Full details available on application. Lending criteria apply. Bendigo and Adelaide Bank Limited ABN 11068 049 178 AFSL/Australian Credit Licence 237879.

6Rewards
100,000 BONUS POINTS 
when you spend $2,500 on everyday purchases within 90 days of account opening. Enter the promotion code REWARDS into the application form to be eligible. Minimum monthly repayments required. Available to first 500 customers . See important information below.

Terms & conditions:
Offer commences 15 November 2017. To be eligible for the 100,000 BONUS POINTS offer, you must apply for a new Bendigo Bank Rewards Card by  31 December 2017, be approved and spend $2,500 on everyday purchases within 90 days of opening your account. Everyday purchases exclude transactions Bendigo Bank decides are wholly or partly for gambling or gaming purchases. 100,000 points offer available to the first 500 applications. Applicants must enter the promotion code REWARDS into the application form to be eligible. Bendigo Bank may vary or end this offer. Offer is only available when applying for a Bendigo Bank Rewards Card through www.bendigobank.com.au . Offer is not available in branch or via Bendigo Bank call centre. Offer is not available when closing/transferring from another Bendigo Bank credit card account or in conjunction with any other Bendigo Bank offer. Minimum monthly repayments required. Points will be credited to your points balance within 3 months of meeting the spend criteria.

7Qantas Points
50,000 BONUS QANTAS POINTS
when you spend $2,500 on everyday purchases within 90 days of account opening. Enter the promotion code QANTAS into the application form to be eligible.

Terms & conditions
Offer commences 13 December 2017. To be eligible for the 50,000 bonus Qantas Points offer, you must apply for a new Bendigo Bank Qantas Card by 31 December 2017, be approved and spend $2,500 on everyday purchases within 90 days of opening your account. Everyday purchases exclude transactions Bendigo Bank decides are wholly or partly for gambling or gaming purchases. Applicants must enter the promotion code QANTAS into the application form to be eligible. Bendigo Bank may vary or end this offer at any time. Offer is only available when applying for a new Bendigo Bank Qantas Card through www.bendigobank.com.au. Offer is not available in branch or via Bendigo Bank call centre. Offer is not available when closing/transferring from another Bendigo Bank credit card account or in conjunction with any other Bendigo Bank offer. Minimum monthly repayments required. Points will be credited to your points balance within 3 months of meeting the spend criteria.