Bendigo Bright Credit Card

Bendigo Bright Credit Card

Highlights

  • Ongoing interest rate remains low at 9.99% p.a.
  • Benefit from its continual low annual fee of $59 p.a.
  • No charges for extra cardholders.

Pros and cons

Pros

  • Up to 55 days interest-free.
  • No fees for additional cardholders.
  • Compatible with Apple Pay, Fitbit Pay, Garmin Pay, Google Pay, and Samsung Pay,

Cons

  • You can't earn credit card rewards.

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    The basics

    • Additional cardholders. It's free to add additional cardholders.
    • Digital wallets. You can use this card with Apple Pay, Google Pay, and Samsung Pay.
    • Gambling transactions. The Bendigo Bright Credit Card cannot be used to pay for gambling.

    Rewards and benefits

    • Complimentary travel insurance. This card does not come with complimentary international travel insurance, which is consistent with other low-rate credit cards.
    • Concierge services. The Bendigo Bright Credit Card does not come with a concierge service.
    • Rewards points. You cannot earn rewards points with this card.
    • Sign-up bonus. You won't get any welcome bonus for signing up.

    Rates and fees

    • Annual fee. This card comes with a $59 annual fee, which is competitive with other cards in its class.
    • Balance transfers. Currently, there is no introductory balance transfer offer available for this card. If you wish to transfer balances from other credit cards, the annual interest rate is 19.99% p.a.
    • Cash advances. You will be charged interest at the cash advance rate of 19.99% p.a. from the date the cash advance was made. For any cash advances you make on this card, you can also be charged a one-off cash advance fee.
    • Foreign exchange fee. Purchases made in a foreign currency will attract a 3% foreign currency transaction fee.
    • Interest-free period. Cardholders have up to 55 days interest-free on purchases. In order to get this interest-free period, the previous balance must have been paid in full by the due date.
    • Purchases. There is no introductory offer for purchases. Purchases made with the card will attract interest at 9.99% p.a. until they are paid off.

    Nilooka Dissanayake

    Reviewed by Nilooka Dissanayake

    Writer

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