Bendigo Bright Credit Card

Bendigo Bright Credit Card

Highlights

  • Enjoy 0% p.a. on balance transfers for 15 months with a 2% balance transfer fee. Reverts to the standard purchase interest rate of 9.99% p.a. after the promotional period.
  • Save with its low annual fee of $59 p.a. ongoing.
  • No fees for additional cardholders.

Pros and cons

Pros

  • 0% p.a. up to 15 months on balance transfers.
  • 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.

Our review

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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. The introductory balance transfer offer for the Bendigo Bright Credit Card is 0% p.a. for 15 months with a 2% balance transfer fee. You can use up to 80% of your credit limit for balance transfers from any credit card, store card, or charge card other than those issued by Bendigo. It is not possible to balance transfer from a personal loan.
  • 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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