Includes extended warranty on covered purchases and 90-day purchase protection on stolen or accidentally damaged purchases (conditions apply).
Earn 0.6 Qantas Points per $1 spent.
180 days of comprehensive travel insurance.
Up to 55 days interest free.
There is no introductory balance transfer offer.
The 20,000 cap on reward earnings per statement period.
ATO spend does not earn points.
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More about Bendigo Bank credit cards
Help for finding the Bendigo Bank credit card that suits you.
Can I manage my card by phone?
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
Can I manage my card through online banking?
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.
Can I manage my card with a mobile app?
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
Can I personalise my Bendigo Bank card?
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.
Can I transfer a balance to a Bendigo Bank credit card?
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.
Do additional cardholders earn Bendigo Bank Rewards points too?
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.
Do I need to do my banking with Bendigo Bank before I can have one of their credit cards?
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.
Do points earned with Bendigo Bank Rewards expire?
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.
Is there a cap on the number of points that can be earned with Bendigo Bank Rewards?
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.
What are the eligibility requirements for a Bendigo Bank credit card?
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.
What can Bendigo Bank Rewards points be redeemed for?
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.
What’s different about the way Bendigo Bank calculates credit card interest?
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.
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