Bendigo Bank Credit Cards

Starting 150 years ago in Bendigo in Victoria and Adelaide in South Australia, the Bendigo Bank now serves about 1.5 million customers Australia-wide.

Low 11.99% p.a. purchase rate.
$29 p.a. annual fee.
Cash advance rate of 13.99% p.a.
Comes with Google Pay™.

Bendigo bank started 150 years ago in Bendigo in Victoria and Adelaide in South Australia.

Nationwide service

The bank in its current format was created in 2007 by the merger of two banks which were formerly building societies. It now has over 400 branches, 2,000 ATMs and more than 6,500 employees, servicing around 1.5 million customers in all Australian states and territories.

Latest banking technology

Online banking, phone banking and a mobile banking app are available.

No need to transfer your banking

You can have a Bendigo Bank credit card even if you do your normal banking with another bank.

Credit card types

Bendigo Bank’s credit card range includes:

  • a low interest card
  • a low cost, low interest card for 18-25 year olds
  • a platinum low interest card with complimentary benefits
  • a rewards card linked to the Bendigo Bank Rewards program
  • a Qantas Frequent Flyer points card
  • a card that allows users to benefit the RSPCA

Special benefits of Bendigo Bank credit cards

Bendigo Bank credit cards have two special features which set them apart from their competitors:

  • A fairer way of calculating interest on unpaid purchases balances
  • Rewards points earned on balance transfers

Personalise your card

For a $10 fee (or no fee if you choose the RSPCA card) you can personalise your card with an image of your choice.

Check out the details of all of Bendigo Banks cards below.

balance transfer
purchase rate
annual fee
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Bendigo Bank Low Rate First Mastercard
Low 11.99% p.a. purchase rate.
$29 p.a. annual fee.
Cash advance rate of 13.99% p.a.
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11.99% p.a.
ongoing
$29
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Bendigo Bank RSPCA Rescue Mastercard
$45 p.a. annual fee.
Minimum credit limit of $500.
Percentage of what you spend with this card goes to RSPCA’s Adoptapet.
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19.99% p.a.
ongoing
$45
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Bendigo Bank Low Rate Mastercard
Low 11.99% p.a. purchase rate.
$45 p.a. annual fee.
Cash advance rate of 13.99% p.a.
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11.99% p.a.
ongoing
$45
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Bendigo Bank Platinum Rewards Mastercard
Earn 1.5 Bendigo rewards points for every $1 spent.
$89 p.a. annual fee.
Extended warranty on purchases.
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19.99% p.a.
ongoing
$89
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Bendigo Bank Low Rate Platinum Mastercard
Low 11.99% p.a. purchase rate.
$0 p.a. annual fee for the first year.
Cash advance rate of 13.99% p.a.
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11.99% p.a.
ongoing
$0
1st year
then $89
Bendigo Bank Qantas Platinum Mastercard
Earn 0.6 Qantas Points per $1 spent.
180 days comprehensive travel insurance.
90-day purchase protection on lost, stolen or damaged purchases.
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19.99% p.a.
ongoing
$149
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Q&As about Bendigo Bank Credit Cards from customers

Q: What is Bendigo Bank?

Bendigo and Adelaide Bank (its full name) was created in 2007 by the merger of two banks which were formerly building societies centred in the two cities named. The bank now has over 400 branches, 2,000 ATMs, more than 6,500 employees and around 1.5 million customers.

Q: How widespread is Bendigo Bank’s branch network?

Bendigo Bank has over 400 branches covering all states and territories, plus an extensive network of agencies.

Q: 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.
Q: 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.

Q: 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.

Q: 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
Q: 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
Q: Does Bendigo Bank issue rewards cards?

Yes. It has two types of rewards cards.

The Bendigo Bank Platinum Rewards Mastercard earns points in the bank’s own rewards program, Bendigo Bank Rewards.

The Bendigo Bank Qantas Platinum Mastercard earn Qantas Frequent Flyer points.

Q: Do rewards points 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.

Q: Are rewards points capped?

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.

Q: Do additional cardholders earn rewards points?

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.

Q: What can I redeem my points 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.

Q: 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.

Q: 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.

Q: 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.

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