Bendigo Bank Platinum Rewards Credit Card
Apply by 3 October 2022

Bendigo Bank Platinum Rewards Credit Card


  • 0% p.a. up to 20 months on purchases (reverts to 19.99% p.a.)
  • Earn 1.5 Bendigo rewards points for every $1 spent.
  • Up to 180 days of international travel insurance.

Pros and cons


  • Earn 1.5 Bendigo Bank Rewards points for every dollar spent.
  • 20 months interest-free on purchases.
  • Up to 180 days international travel insurance in any 12 month period.
  • Comes with extended warranty on purchases.


  • No sign up bonus offer as of the moment.
  • No introductory balance transfer offer.

The basics

  • Additional cardholders. Request for additional card holders at no extra cost. Give family and friends a card and earn points when they use it. You'll still have to manage the account, its credit limit, and repayments.
  • Digital wallets. Add this card to your phone with Apple Pay, Google Pay, and Samsung Pay.
  • Gambling transactions. Bendigo Bank have blocked this card from being used to make any gambling related transactions.

Rewards and benefits

  • Complimentary travel insurance. This card comes with complimentary international travel insurance. Cardholders are covered for overseas medical expenses and emergency travel arrangements. Cover will be in effect when you pay for travel using the card.
  • Concierge services. The Bendigo Bank Platinum Rewards Credit Card does not include access to a concierge service.
  • Insurances. Cardholders get extended warranty insurance, fraud protection, interstate flight inconvenience, personal item theft cover, price protection insurance, purchase protection insurance, and transport accident insurance.
  • Rewards points. This card is linked with the Bendigo Rewards program. Cardholders earn 1.5 points per $1 spent into the Bendigo Bank Rewards program on eligible purchases. Points are not earned on annual fees, balance transfers, cash advances, and other fees and charges. Payments to the ATO will not earn points.
  • Sign up bonus. No sign up bonus for this card is available at the time of writing.

Rates and fees

  • Annual fee. This card's ongoing annual fee is $89, which is on the low end for a platinum card.
  • Balance transfers. There is no introductory offer on balance transfers for the Bendigo Bank Platinum Rewards Credit Card. If a balance transfer is important to you, consider comparing other balance transfer offers before deciding on this card.
  • Cash advances. If you use your card to withdraw cash, you will incur interest at a rate of 21.99% p.a. from the date of the cash advance. A one-off cash advance fee will also be applied.
  • Foreign exchange fee. Transactions in a foreign currency will have a 3% foreign exchange fee. Several platinum cards do not charge this foreign currency fee.
  • Interest-free period. Platinum cardholders will enjoy up to 55 days interest-free on purchases when the previous statement was paid off in full before the due date.
  • Purchases. To attract new customers, the Bendigo Bank Platinum Rewards Credit Card offers 20 months of 0% p.a. interest on purchases. After the introductory period of 20 months, all applicable purchases will attract the standard rate of 19.99% p.a. interest.