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BENDIGO BRIGHT® CREDIT CARD

No credit card interest on your balance transfer for up to 15 months.*
2% balance transfer fee applies.

Apply now



MAKE YOUR APPLE DEVICE YOUR WALLET

Add your eligible Bendigo Bank card today.

Learn more



BENDIGO READY CREDIT CARD

A great value credit card with $0 annual fee and platinum travel perks.

Apply now



BENDIGO BRIGHT® CREDIT CARD

No credit card interest on your balance transfer for up to 15 months.*
2% balance transfer fee applies.

Apply now



MAKE YOUR APPLE DEVICE YOUR WALLET

Add your eligible Bendigo Bank card today.

Learn more



BENDIGO READY CREDIT CARD

A great value credit card with $0 annual fee and platinum travel perks.

Apply now



BENDIGO BRIGHT® CREDIT CARD

No credit card interest on your balance transfer for up to 15 months.*
2% balance transfer fee applies.

Apply now

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COMPARE ALL CARDS



From our great-value low rate card to our platinum range, we have a card to suit
your needs.



BENDIGO BRIGHT® CREDIT CARD

Low rate
Offer
0.00% p.a. on balance transfer for up to 15 months from account opening.*
Benefits
Low annual fee and low purchase interest rate. 24/7 fraud monitoring and
protection.5
Annual fee
$59
Balance transfer interest rate
0.00% p.a. balance transfer rate for up to 15 months.* Standard purchase
interest rate of 9.99% p.a. applies thereafter.
Purchase interest rate
9.99% p.a.
Cash advance interest rate
19.99% p.a.
Interest free period
Up to 55 days4
Rewards
No
Learn more Apply now

BENDIGO READY CREDIT CARD

No annual fee
Benefits
$0 annual fee. $0 international transaction fee. Complimentary insurances.7
Annual fee
$0
Balance transfer interest rate
19.99% p.a.
Purchase interest rate
19.99% p.a.
Cash advance interest rate
19.99% p.a.
Interest free period
Up to 55 days4
Rewards
No
Learn more Apply now

PLATINUM REWARDS CREDIT CARD

Rewards Points
Benefits
$1 = 1.5 Rewards Points1, travel insurance & purchase protections7
Annual fee
$89
Balance transfer interest rate
21.99% p.a.
Purchase interest rate
19.99% p.a.
Cash advance interest rate
21.99% p.a.
Interest free period
Up to 55 days4
Rewards
Bendigo Bank Rewards®
Learn more Apply now

QANTAS PLATINUM CREDIT CARD

Qantas Points
Benefits
$1 = 0.6 Qantas Points2, travel insurance & purchase protections7
Annual fee
$149
Balance transfer interest rate
21.99% p.a.
Purchase interest rate
19.99% p.a.
Cash advance interest rate
21.99% p.a.
Interest free period
Up to 55 days4
Rewards
Qantas Points
Learn more Apply now

LOW RATE CARD

BENDIGO BRIGHT CREDIT CARD

Low annual fee and low interest rates. Pay only $59 annual fee.

Offer

0.00% p.a. on balance transfer for up to 15 months from account opening.*
Standard purchase interest rate of 9.99% p.a. applies thereafter.

Apply now Learn more

NO ANNUAL FEE

BENDIGO READY CREDIT CARD

No annual fee and $0 international transaction fee with complimentary
insurances.7


Apply now Learn more

REWARDS POINTS

PLATINUM REWARDS CREDIT CARD

Earn 1.5 Rewards Points1 for every $1 spent. Plus travel insurance and purchase
protection.7

Apply now Learn more

QANTAS POINTS

QANTAS PLATINUM CREDIT CARD

Earn 0.6 Qantas Points2 for every $1 spent. Plus travel insurance and purchase
protection.7

Apply now Learn more


MOBILE PAYMENTS

With Bendigo Bank you can turn your phone or smart watch into your wallet.
Simply load an eligible Bendigo Bank card to your device and pay on the go.

Learn more



HELPFUL TOOLS 

Learn more about the benefits our credit cards provide and choose the card that
suits you.

Contact us
My Card
Lost or stolen cards


THINGS YOU SHOULD KNOW



Terms, conditions, fees and charges apply. All information, including interest
rates and fees, is correct as at 1 March 2023 and is subject to change. Full
details available on application. Credit criteria apply. Credit provided by
Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL/Australian Credit
Licence 237879 (‘Bendigo Bank’).

Target Market Determinations for products are available.

 

1Bendigo Rewards

Rewards Points are earned on eligible transactions – see Bendigo Rewards Terms
and Conditions for details or call 1300 236 344. Conversion calculation correct
as at 1 February 2023. Conversion rates subject to change.

Bendigo Bank Rewards is a registered trade mark owned by Bendigo and Adelaide
Bank Limited.

2Qantas Points
To earn Qantas Points with the Qantas Platinum Credit Card, you must be a member
of the Qantas Frequent Flyer program and provide your Qantas Frequent Flyer
number to Bendigo Bank. Membership of the Qantas Frequent Flyer program is
subject to the terms and conditions of the Qantas Frequent Flyer program, which
can be found at Qantas.com/terms- external site. 0.6 Qantas Points will be
earned on eligible transactions, transferred monthly to the Frequent Flyer
account and are capped at 20,000 points per month – see Bendigo Credit Card
Terms and Conditions for details or call 1300 236 344. Ineligible transactions
are BPAY transactions, cash advances, payments to the Australian Taxation
Office, cash equivalent transactions, business transactions, balance transfers,
and transactions for gambling or gaming purposes, any fee or charge, including
any government charges or duties, interest and finance charges payable or paid
on your credit card, transactions which are disputed, fraudulent or involve the
abuse or unauthorised use of your credit card and payments and purchases which
are refunded or reimbursed. To obtain your complimentary QFF membership go to
qantaspoints.com/ffjoinbendigo- external site.
4Up to 55 days interest free
The 55-day interest-free period consists of your 30-day statement cycle, plus
the 25 days to the payment due date. The number of interest-free days will vary
for each transaction, depending on which day in the 30-day statement cycle the
purchase is made.
7Bendigo Credit Card Insurance
Terms, conditions, limits and exclusions apply. Refer to the Bendigo Credit Card
Insurance (Bendigo Ready, Low Rate Platinum, Platinum Rewards, Qantas Platinum)
Terms and Conditions for further information. Bendigo Bank does not guarantee
any benefits under this insurance.
Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL
245631 (trading as Allianz Global Assistance) under a binder from the insurer,
Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz) has
issued an insurance group policy to Bendigo and Adelaide Bank Limited ABN 11 068
049 178 AFSL and Australian credit licence 237879 (Bendigo Bank) which allows
eligible Bendigo Bank account holders and cardholders to claim under it as third
party beneficiaries. Access to the benefit of cover under the Credit Card
Complimentary Insurance is provided to eligible Bendigo Bank cardholders by
reason of the statutory operation of Section 48 of the Insurance Contracts Act
1984 (Cth). If an eligible person wishes to claim any of these benefits, they
will be bound by the eligibility criteria, terms, conditions, limits and
exclusions contained in the Bendigo Credit Card Insurance (Bendigo Ready, Low
Rate Platinum, Platinum Rewards and Qantas Platinum) Terms and Conditions which
may be amended from time to time. Any advice on insurance is general advice only
and not based on any consideration of your objectives, financial situation or
needs.
Bendigo Bright® is a registered trade mark owned by Bendigo and Adelaide Bank
Limited.
*Bendigo Bright® Credit Card offer

Offer commences 1 March 2023 and may be varied or withdrawn at any time. The
0.00% p.a. balance transfer for up to 15 months from account opening is for
approved applicants who apply for a new Bendigo Bright® Credit Card before the
offer is varied or withdrawn.

Offer is only available on the Bendigo Bright Credit Card. Offer not available
in conjunction with any other Bendigo Bank offer including Shareholder products.
One account per customer. Offer is not available when closing or transferring
from another Bendigo Bank credit card account or if you have held a Bendigo Bank
credit card product in the last 12 months. Minimum monthly repayments must be
made as per your monthly statement and the account not otherwise be in default.

0.00% p.a. Balance transfer

Up to 80% of the credit limit may be applied as a balance transfer. A balance
transfer fee of 2% of the balance transferred applies.

After a period of 15 months from account opening any remaining unpaid balance
transfer amount will be treated as a purchase and attract the standard retail
purchase interest rate.

The standard purchase interest rate of the Bendigo Bright® Credit Card is
currently 9.99% p.a. The cash advance rate of the Bendigo Bright® Credit Card is
currently 19.99% p.a.

Offer does not apply to any other transactions, fees and charges.

Balance transfers must be processed by Bendigo Bank in accordance with the
Bendigo Bank Credit Card Terms & Conditions and not made via other payment
methods including BPAY® or direct deposit. We will not be responsible for any
delays that may occur in processing payment to your other card account(s) and
will not close the account(s). The balance transfer can only be made to a credit
card account held in your own name or a credit card account you hold jointly
with another person.

Mastercard
Mastercard® is a registered trademark, and the circles design is a trademark of
Mastercard International Incorporated.

QUICK LINKS

 * Contact us
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 * Switch your banking to us
 * View all products and services
 * View all tools and calculators
 * View our rates

BANKING WITH US

 * Personal banking
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 * Ways to bank
 * Internet banking
 * Electronic ID

ABOUT US

 * About Bendigo Bank
 * Community
 * Media centre
 * Investors
 * ESG
 * Accessibility and inclusion
 * Careers

HELP & SUPPORT

 * Financial abuse
 * Deceased estates
 * Regular payments
 * Financial difficulty assistance
 * COVID-19 support

CONNECT WITH US

 * Terms of use
 * Important information
 * Privacy
 * Security
 * Target Market Determinations



Bendigo and Adelaide Bank acknowledges Aboriginal and Torres Strait Islander
peoples as the First Peoples of this nation and the Traditional Custodians of
the land where we live, learn and work. We pay our respects to Elders past and
present as it is their knowledge and experience that holds the key to the
success of future generations.

Bendigo and Adelaide Bank Limited, ABN 11 068 049 178 AFSL / Australian Credit
Licence 237879. Any advice provided on this website is of a general nature only
and does not take into account your personal needs, objectives and financial
circumstances. You should consider whether it is appropriate for your situation.
Please read the applicable Disclosure Documents before acquiring any product
described on this website. Please also review our Financial Services Guide
(FSG) before accessing information on this website. Information on this page can
change without notice to you.

© Copyright 2023 Bendigo and Adelaide Bank