Bendigo Bright Credit Card

On Bendigo Bank's website

Bendigo Bright Credit Card

Balance transfer

N/A

Purchase rate

9.99% p.a. ongoing

Interest-free days

55 days

Annual fee

$59.00 p.a. ongoing

Highlights

  • Ongoing interest rate remains low at 9.99% p.a.
  • Benefit from its continual low annual fee of $59 p.a.
  • No charges for extra cardholders.

Pros and cons

Pros

  • 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.

About this credit card

Basics

Card usage

Apple Pay Enabled
Yes
Card Type
Mastercard
Gambling Transactions Allowed
No
Samsung Pay Enabled
Yes

Eligibility

Joint Application Accepted
No
Minimum Age
18 years
Minimum Credit Rating
Good
Minimum Income
N/A
Temporary Residents Accepted
No

Additional cardholders

Additional Cardholders
9
Additional Card Fee Ongoing
$0.00

Credit limits

Minimum Credit Limit
$1,000.00
Maximum Credit Limit
$30,000.00

Repayments

Interest Charged From
Statement date
Interest Free Period
Up to 55 days on purchases
Minimum Repayment Percentage
3%

Balance transfers

Balance transfer offer

Balance Transfer Rate
19.99%
Balance Transfer Period
N/A
Balance Transfer Fee Percentage
N/A

Balance transfer conditions

Balance Transfer From Personal Loan
No
Balance Transfer Limit Percentage
N/A
Balance Transfer Revert Rate
N/A

Rates, fees, charges

Cash advances

Cash Advance Rate
19.99% p.a.
Cash Advance Fee
$3.00
Cash Advance Fee Percentage
3%
Cash Advance Fee Threshold
N/A

Purchases

Purchase Rate Introductory Offer
N/A
Purchase Rate Introductory Period
N/A
Purchase Rate Ongoing
9.99% p.a.

Account fees

Annual Fee Initial Year
N/A
Annual Fee Ongoing
$59.00
Dishonour Fee
$40.00
Duplicate Statement Fee
$5.00
Foreign Exchange Fee Percentage
3%
Late Payment Fee
$15.00

Rewards

Rewards program basics

Rewards Program
N/A
Rewards Program Annual Fee Initial Year
N/A
Rewards Points Expiry
N/A

Rewards points per $1 spent

Domestic Rewards Points Earn Rate
N/A
Government Rewards Points Earn Rate
N/A
Overseas Rewards Points Earn Rate
N/A

Additional perks

Insurance

Cardholder's Domestic Hotel Burglary Insurance
No
Cardholder's Extended Warranty Insurance
No
Cardholder's International Travel Insurance
No
Cardholder's Interstate Flight Inconvenience
No
Cardholder's Personal Item Theft Cover
No
Cardholder's Price Protection Insurance
No
Cardholder's Purchase Protection Insurance
No
Cardholder's Refund Protection
No
Cardholder's Transport Accident Insurance
No

Travel and lifestyle

Airport Lounge Access Included
No
Concierge Service Included
No
Complimentary Flight Voucher Included
No
Complimentary QFF Membership Included
No

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. Currently, there is no introductory balance transfer offer available for this card. If you wish to transfer balances from other credit cards, the annual interest rate is 19.99% p.a.
  • 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.

account

Reviewed by Credit Card Compare Staff

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