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

Up to 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

Up to 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

Up to 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

Up to 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

Up to 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

Up to 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®

  • Earn 1.5 Bendigo Rewards points for every dollar you spend, which you can redeem for products and vouchers3.
  • Enjoy 180 days comprehensive international 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.

The Canstar 5 Star Rating was awarded on 27 April 2018 for the Platinum Rewards credit card for Bendigo Bank.

Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

^Up to 55-day interest-free period consists of your 30 day statement cycle, plus 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 was made.

1Insurances 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 does not guarantee any benefits under the cover. Terms, conditions, limits and exclusions apply and are available at bendigobank.com.au.

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.