Making it easy to plan, pay and be protected on your next overseas holiday.
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Competitive rates on all foreign exchange products and services
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Locally based 24/7 customer support team
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Comprehensive range of foreign exchange and travel needs
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Send funds overseas 24/7 using e-banking
Getting ready for your holiday
Save for your holiday
Savings accounts.
- Award-winning accounts.
- Attractive interest rates, plus bonus interest on our Reward Saver account.
- No monthly fees.
- Manage your money on the move in our app, online or by phone.
Help pay for your holiday
Personal loans.
- Competitive, fixed interest rates.
- Weekly, fortnightly or monthly repayments.
- Secured or unsecured loan options.
- Loan terms from 1-7 years.
Earn points and perks for your holiday
Reward Credit Cards.
- Earn Bendigo Bank Rewards Points or Qantas Frequent Flyer Points redeemable for flights, hotels or travel vouchers1.
- Complimentary international travel insurance2.
- Access Mastercard Priceless® Cities exclusive travel experiences and special offers.
Get the most from your holiday
Protection for your holiday
Travel insurance.
International and domestic cover options for:
- Overseas medical and dental expenses3
- Missed flights and travel delays
- Changes or cancellation costs
- Lost, stolen or damaged luggage & personal effects
And so much more.
Spend your money overseas
Cash Passport™ Platinum Mastercard®
A pre-paid travel money card with:
- $0 load options.
- $0 international transaction fees.
- Locked exchange rates when you load.
- Load up to 17 currencies and spend in 210+ countries.
- Fraud7 and purchase protection5.
- Delayed flight lounge pass access6
Holiday shopping, paid for later
Bendigo Ready Credit Card.
- $0 annual fee.
- $0 international transaction fees.
- Up to 55 days interest free4.
- Complimentary international travel insurance2.
- Fraud7 and purchase protection2.
Travel tips
General tips
- Don't forget to buy travel insurance before you leave. You can also check your credit cards in case you are entitled to complimentary credit card insurance.
- Keep copies of important documents, such as passports, visas, card and phone numbers separate. Give them to someone at home or securely store them digitally for quick access in case they are stolen, lost or misplaced.
- Always have a small amount of local currency with you when you travel, some merchants may only accept cash.
- Don't carry too much cash on you - pickpockets are everywhere!
Make sure you're covered
Nobody wants to think about a holiday hiccup, but peace of mind from travel insurance is worth having. It helps protect against a range of unforeseen incidents, like cancellations, delays or medical expenses that may arise while you’re away. We’ve partnered with leading insurer, Cover-More to help you get covered if you need it, otherwise if you pay for at least $500 of your travel costs using a Bendigo Platinum Rewards, Qantas Platinum or Bendigo Ready Credit Card, you may be entitled to complementary purchase protection, extended warranty and travel insurance already.
How to manage cash
In many countries, a cup of coffee or short taxi ride may only be possible with local currency. So, wherever you're going, it's always good to have some of the local currency when you arrive.
But remember, if you lose your cash it's gone forever. It's a good idea to have several different options available when you're travelling. You may like to consider one of our credit cards.
How to manage and protect your cards
Let us know when and where you’re travelling before you leave so we know your card is safe.
If you’re travelling with more than one card, keep them separate so if one is lost or stolen, you'll still have access to the other card. You could also consider adding them to your digital wallet on your smart phone or watch.
What about dynamic currency conversion?
When you’re shopping overseas with an Australian credit or debit card sometimes you get the option to pay in Australian Dollars instead of the local currency. It's wise to pay in local currency as poor exchange rates for these transactions mean you may pay more.
The Cash Passport™ Platinum Mastercard® lets you lock your exchange rate when you load so you can spend in the local currency and not worry about fluctuating exchange rates.
Overseas transaction fees
When using your Bendigo Bank debit or credit Mastercard® overseas you may be charged a fee for each ATM withdrawal you make on top of the conversion rate. A fee is usually charged on all cash advances and for some cards on retail purchase transactions made in currencies other than Australian dollars.
Some cards, such as our pre-paid travel card or the Bendigo Ready credit card, have $0 international transaction fees so you may wish to consider these as options for spending while overseas.
You should check and understand these fees for your cards before travelling.
Important information about transactions in prohibited countries
Before you travel, please be aware that card transaction services are prohibited in the following extreme high-risk countries.
- Belarus
- Cuba
- Iran (Islamic Republic of)
- Korea (Democratic People’s Republic of)
- Myanmar
- Russian Federation
- Syrian Arab Republic
- Ukraine*
- Venezuela (Bolivian Republic of)
*Specific regions within Ukraine are prohibited – Crimea, Sevastopol, Donetsk, Luhansk
Things you should know
Terms, conditions, credit and lending criteria, fees and charges may apply. Credit provided by Bendigo and Adelaide Bank Limited ABN 11 068 049 178 Australian Credit Licence 237879. Target Market Determinations for products are available. Any advice does not take into account your personal needs, financial circumstances or objectives and you should consider if these products are appropriate for you.
Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
1Bendigo Rewards: Rewards Points are earned on eligible transactions – see Bendigo Rewards Terms and Conditions for details or call 1300 236 344. Bendigo Bank Rewards is a registered trade mark owned by Bendigo and Adelaide Bank Limited.
Qantas Points:To earn Qantas Points with the Qantas Platinum Credit Card, you must be a member of the Qantas Frequent Flyer program and provide your Qantas Frequent Flyer number to Bendigo Bank. To obtain your complimentary QFF membership go to qantaspoints.com/ffjoinbendigo. 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 Qantas.com/terms. Ineligible transactions are 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.
2Bendigo 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.
Travel insurance:3Cover will not exceed 12 months from onset of the illness, condition or injury. Medical evacuation cover subject to claim approval. Travel Insurance is issued by Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507) (ZAIL). Cover-More Insurance Services Pty Ltd (ABN 95 003 114 145, AFSL 241713) acts under a binder authority from ZAIL. Cover-More will administer the policies and arrange for the issue of insurance on behalf of ZAIL. Cover-More has authorised Insurance Australia Limited (ABN 11 000 016 722; AFSL 227681) under the CGU brand to distribute the product. Bendigo and Adelaide Bank Limited ABN (11 068 049 178) AFSL No. 237879 (Bendigo Bank) distributes the product under a contract with CGU. Limits, sub-limits, excesses, exclusions, terms and conditions (including eligibility criteria) apply. See the Product Disclosure Statement (PDS) for more information.
4Bendigo Ready Credit Card: 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 Cash Passport: Mastercard Prepaid Management Services Australia Pty Ltd (ABN 47 145 452 044, AFSL 386 837) arranges for the issue of the Cash Passport™ Platinum Mastercard® (“Cash Passport”) in conjunction with the issuer, EML Payment Solutions Limited (“EML”) (ABN 30 131 436 532, AFSL 404131). You should consider the Product Disclosure Statement available at Cash Passport Product Disclosure before deciding to acquire the product. The Target Market Determination for this product can be located at Cash Passport TMD. Bendigo and Adelaide Bank Limited ABN 11 068 049 178. AFSL No. 237879 is authorised by Mastercard to distribute this product and receives a commission on the initial load or reload transaction. Purchase Protection is provided under a group policy issued by AIG Australia Ltd (ABN 93 004 727 753, AFSL 381 686) (AIG) to Mastercard Asia/Pacific Pte. Ltd. Cover is available to Cash Passport Platinum Mastercard Cardholders (Eligible Person). Eligible Persons can claim under the Group Policy as third-party beneficiaries in accordance with section 48 of the Insurance Contracts Act 1984 (Cth). If an Eligible Person wishes to claim, such claim will be subject to the eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits as further detailed in the terms and conditions for such coverage found at Cash Passport Platinum Mastercard Complimentary Insurance Terms and Conditions. In arranging these Insurances Mastercard Asia/Pacific Pte. Ltd. is acting as a group purchasing body under ASIC Corporations (Group Purchasing Bodies) Instrument 2018/751.
6Flight Delay Pass: is provided to you on the basis you are not in breach of Cash Passport MasterCard® Product Disclosure Statement and Terms & Conditions and your card remains open. It must not be sold in any way and Mastercard reserves the right to cancel the pass that are in breach of this policy. Access may not be available if the applicable lounge is full or near capacity at the full discretion of lounge staff. Access and use of the lounges is subject to its own terms and conditions. Mastercard reserves its right to amend or withdraw the Flight Delay Pass at any time and where possible, provide prior notice to you. View terms and conditions.
7Mastercard Zero Liability Fraud Protection: Conditions for protection apply, see mastercard.com.au/zero-liability.
