Bendigo Bright Credit Card

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.