Bendigo Bank credit cards

Offering a choice of low interest and rewards, there's a Bendigo Bank credit card for you.

By   |   Verified by David Boyd   |   Updated 10th August 2022

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Comparing Bendigo Bank credit cards

Bendigo Bank Low Rate Credit Card

Apply by 3 October 2022

Bendigo Bank Low Rate Credit Card

Balance transfer

20 months at 0% p.a.

Purchase rate

20 months at 0% p.a.

Annual fee

$45.00 p.a. ongoing

Highlights

  • 0% p.a. up to 20 months on purchases (reverts to 11.99% p.a.).
  • 0% p.a. up to 20 months in Balance Transfers (reverts to 11.99% p.a.).
  • Save with its low annual fee of $45 p.a. ongoing.
  • No fees for additional cardholders.

Pros

  • 0% p.a. up to 20 months on purchases.
  • 0% p.a. up to 20 months on Balance Transfers.
  • Low annual fee of $45 p.a.
  • No fees for additional cardholders.

Cons

  • There is a 2% Balance Transfer fee.
  • You can't earn credit card rewards.
  • No complimentary insurances.
Bendigo Bank Platinum Rewards Credit Card

Balance transfer

N/A

Purchase rate

20 months at 0% p.a.

Annual fee

$89.00 p.a. ongoing

Highlights

  • 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

  • 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.

Cons

  • No sign up bonus offer as of the moment.
  • No introductory balance transfer offer.
Bendigo Bank Qantas Platinum Credit Card

Balance transfer

N/A

Purchase rate

20 months at 0% p.a.

Annual fee

$149.00 p.a. ongoing

Highlights

  • 0% p.a. up to 20 months on purchases (reverts to 19.99% p.a.)
  • Earn 0.6 Qantas Points per $1 spent.
  • 180 days of comprehensive travel insurance.
  • Includes extended warranty on covered purchases and 90-day purchase protection on stolen or accidentally damaged purchases (conditions apply).

Pros

  • 0% p.a. up to 20 months on purchases (reverts to 19.99% p.a.)
  • Earn 0.6 Qantas Points per $1 spent.
  • 180 days of comprehensive travel insurance.
  • Up to 55 days interest free.

Cons

  • There is no introductory balance transfer offer.
  • The 20,000 cap on reward earnings per statement period.
  • ATO spend does not earn points.

More about Bendigo Bank credit cards

Find helpful information on interest rates, fees, balance transfers, and rewards.

  • FAQs

Are instalment plans available with a Bendigo Bank credit card?

No. Bendigo Bank credit cards do not currently have instalment plans.

Can customers use Bendigo Bank credit cards with a digital wallet?

Yes. Credit cards issued by Bendigo Bank are supported by Apple Pay, Google Pay, and Samsung Pay.

Does Bendigo Bank have credit cards with rewards points?

Yes, Bendigo does offer credit cards that reward you with points as you spend.

Does Bendigo Bank offer any credit cards with cashback rewards?

Bendigo Bank does not offer a cashback credit card.

Does Bendigo Bank offer credit cards for businesses?

Yes, businesses can apply for a credit card with Bendigo Bank.

Does Bendigo Bank offer credit cards with an introductory balance transfer offer?

Yes, you can get a balance transfer credit card with Bendigo Bank. If you want to use a balance transfer to save the most money possible, check what other offers are available before applying.

Does Bendigo Bank offer frequent flyer credit cards?

Yes, Bendigo Bank offers frequent flyer credit cards. However, while they are reputable, they are not generally considered the best in class. More rewarding alternatives are available.

How can customers manage credit cards from Bendigo Bank?

Bendigo Bank customers can use their app, phone customer service, or visit a local branch to manage their credit card.

How long does it take for Bendigo Bank to process an application?

Applications can take 5-10 days to be processed.

Is it possible to have more than one Bendigo Bank credit card?

Yes. You can have more than one credit card from Bendigo Bank simultaneously.

Is there a low interest rate credit card available from Bendigo Bank?

Yes. There is a Bendigo Bank credit card available with a low interest rate.

What can Bendigo Bank rewards points be used for?

Bendigo Bank offers access to two rewards programs, the Bendigo Bank Rewards program and the Qantas Frequent Flyer program. Points earned in these programs can be redeemed for flights and hotel travel vouchers, and gift cards. Bendigo Rewards points can be redeemed for a range of household items, to make donations to charities, and converted to cashback.

What documents are required when applying for a Bendigo Bank credit card?

You will need to provide an Australian driver's licence number, your income details, expenses and debts, and proof of income.

What is the most popular Bendigo Bank credit card?

We think the Platinum Rewards Credit Card is the most popular credit card from Bendigo Bank.

What partners can points be transferred to from Bendigo Bank?

Points can be transferred from Bendigo Bank to Air New Zealand Airpoints, Cathay Pacific Asia Miles, Emirates Skywards, Etihad Guest, Malaysia Airlines Enrich, Qantas Frequent Flyer, and Singapore Airlines KrisFlyer.

Who can apply for a credit card from Bendigo Bank?

Bendigo Bank requires applicants to be at least 18 years old and earning $15,000 or more (depending on the card). Citizens and permanent residents living in Australia can apply. Applicants must have no history of bad credit.