Compare our credit cards

Compare our credit cards in one easy table. From our great-value Low Rate to our Platinum Rewards card, we'll help you save money with our fair way of charging interest.

 Low RatePlatinum
CardsLow Rate 
Low RateLow Rate
Minimum credit limit $500 $500 $3,000 $3,000 $3,000 $500
Minimum repayments $10 or 3% per month, whichever is greater
Annual fee $29 $45 $89 $89 $149 $45
Interest on purchases 11.99% 11.99% 11.99% 19.99% 19.99% 19.99%
Interest on cash advances 13.99% 13.99% 13.99% 21.99% 21.99% 21.99%
Interest-free period Up to 55 days
Spend benefits N/A N/A N/A $1 = 1.5 Rewards Points4 $1 = 0.6 Qantas Points3 Percentage of spend goes to RSPCA Adoptapet
Other benefits Exclusive to customers aged 18 – 25 years N/A Mobile phone and tablet insurance + purchase protections2 Travel insurance + purchase protections2 Travel insurance + purchase protections2 Free photo card
Optional monthly $5 donation to RSPCA (tax deductible)
Late payment fee $15
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Terms, conditions, fees and charges apply. All information is correct as at 01/07/18 and is subject to change. Full details available on application. Lending criteria apply. Interest rate and annual fee current at 01/07/18. 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 is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

2Insurances 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

3To earn Qantas Points with the 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, which can be found at A joining fee may apply. Qantas Points are earned on eligible transactions at the applicable conversion rate of 0.6 Qantas Points per dollar, are 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, 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. To obtain your complimentary QFF membership go to

4Rewards points - Rewards points are earned on eligible transactions – see Bendigo Rewards Terms and Conditions, or call 1300 236 344.