Bendigo Bank credit cards

Yes. Register for phone banking for the ability to:

• Check your last 10 transactions over the phone
• Order a statement by phone
• Order a fax detailing your last 40 transactions
• Speak to Customer Service

Yes. You just need to register for e-banking in order to be able to check your statements and manage your card from your desktop or mobile device.

Yes. Bendigo Bank’s Protect+Pay app has the following features:

• Temporally block and then unblock your card if you misplace it and later find it
• Block and unblock on line transactions
• Block and unblock overseas transactions
• Block and unblock in-store and ATM transactions
• Block and unblock Tap & Go transactions
• Authenticate your card to pay with your phone using Apple Pay, Google Pay™ or Samsung Pay
• Cancel a lost card and order a replacement
• Change your PIN
• View a quick balance

Yes. The Bendigo Bank RSPCA Rescue Mastercard can be personalised with an image of your choice, free of charge. All other Bendigo Bank credit cards can be personalised for a $10 fee.

Yes. You will, however, pay interest on the transferred balance (at your card’s prevailing interest rate) until it is repaid, unless there is a promotional interest rate being offered on balance transfers. There is one upside though: Bendigo Bank will let you earn rewards points on the transferred amount if you are transferring to a Bendigo Bank Rewards credit card.

Yes. Additional cardholders earn points at the same rate as the primary cardholder. Any points earned by the additional cardholder are credited to the points account of the primary cardholder.

No. It doesn’t matter who you do your normal banking with. You can have a Bendigo Bank credit card without switching your other bank accounts to them.

Yes. Bendigo Bank Rewards points expire if not used within 36 months.

Qantas Frequent Flyer points expire if there has been no activity (inward or outward) in the points account for 18 months.

Bendigo Bank Rewards points earned via the Bendigo Bank Platinum Rewards MasterCard are uncapped.

Qantas Frequent Flyer points earned via the Bendigo Bank Qantas Platinum MasterCard are capped at 20,000 points per month.

Generally you just need to be over 18 years old and a resident or citizen of Australia. None of the cards has any specified minimum income requirement. In order to apply for the Bendigo Bank Low Rate First Mastercard you need to be not more than 25 years old.

Bendigo Bank Rewards points can be redeemed for retail, travel agency and hotel gift cards, movie tickets, card account cashback, charity donations and a range of consumer merchandise.

Qantas Frequent Flyer points can be exchanged for award flights and seat upgrades with Qantas and its partner airlines, Qantas Club membership, retail, travel agency, car rental and hotel gift cards, movie tickets, food and wine, charity donations and a range of consumer merchandise.

Bendigo Bank’s credit card interest charging method is more lenient than that of most banks, in two ways:

• If the account balance is not paid off in full, interest is charged from the statement date (the end of the billing cycle) not from each purchase transaction date (which could be up to 30 days earlier).
• Interest is charged on the remaining balance only, not on every purchase transaction occurring during the month. That is, part payments are taken into account and no interest is charged on that part of the balance cleared by a partial payment.