As a business owner, keeping track of expenses is important and can be time consuming. Get visibility of your expenses and stay in control with the Business Credit Card.
Three reasons to get a Business Credit Card
Find out if this card is the right fit for you.
Competitive rate
13.99 p.a. on purchases
Interest free period
Up to 44 days interest free on purchases.4
Security
24/7 fraud monitoring and no liability for unauthorised transactions.5
Business Credit Card summary
Combining the global acceptance and emergency features of Mastercard®, with the flexible management and financial control options to suit your business needs.
- Set individual spending limits for each cardholder.
- Optional ATM access to nominated cardholders.
- Flexible billing structure with a choice of who pays, when, and how much.
- Single monthly statement including itemised addendum for each cardholder.
- Pay suppliers online using Bendigo e-banking.
- Upload transactions to accounting software such as MYOB.
Rates and fees
Check out the below rates and feesthat apply to the Business Credit card. For the full list of fees and charges, please refer to the schedule of fees and charges.
Monthly service fee
$4 per month per card
Purchase interest rate
13.99% p.a.
Cash advance rate
13.99% p.a.
Flexible liability arrangements
The business credit card provides flexibility for the business to choose the liability option for credit card debt.
Company liability
For company structures only
- This options suits any company whose employees use a credit card for business expenses.
- Cardholders can have individual credit limits.
- The company is assessed for the credit facility and accepts liability for all transactions conducted on all cards held by cardholders nominated by the company. The company is responsible for the debt and for the repayments on the card each month.
Individual liability
Suits employees of a business or sole traders
- The individual may be an employee of the business or a sole trader operating the business. The name of the business can be embossed on the card, provided the business supplies written authorisation on the business letterhead.
- Under the individual liability option, the individual is assessed for the amount of credit required. The individual accepts liability for all transactions conducted on their card and on any cards issued to additional cardholders.
- The individual is responsible for the credit card debt and for making repayments on the card each month.
Joint & several liability
For partnerships only
- This options suits a partnership when the partners want to use a credit card for business expenses.
- Under this option, all partners accept joint and several liability for all transactions carried out by all parties on any Bendigo Business credit card issued to members of the partnership.
- A specific credit limit can be assigned to each cardholder. The individual account holders are each liable for the debts on all accounts and the partners are responsible for making the repayments on the card.
Business banking made easy - try the Bendigo Bank app
Your business is always moving. Match its pace with an app that’s big on giving you all the tools, ease and security you need for seamless banking.
- Log in quickly and securely with biometric authentication or a Four-digit PIN
- See balances without logging in using Quick Balances
- Pay people and bills in seconds with PAYID, Osko, BPAY
- Add your debit or credit card to Apple Pay or Google Pay from the app
- Card controls at your fingertips
- Safe and secure 24/7
Download the Bendigo Bank app now
Helpful tools
Need help?
Business banking made simple, support made easy with Australia's most trusted bank^. Our support team is available online, by phone, or at a branch.
Phone
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Business hub
Our Business hub is designed to support your business with tips, tools, and resources to help your business succeed.
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Things you should know
Terms, conditions, fees and charges apply. All information is correct as at 20/6/2019 and is subject to change. Full details available on application. Lending criteria apply. Interest rate and annual fee current at 20/06/2019. Rates and fees are subject to change. Credit provided by Bendigo and Adelaide Bank Limited ABN 11 068 049 178 Australian Credit Licence 237879.
*Minimum payment is 3.00% of statement closing balance or $10, whichever is the greater. And it is not including the amount by which your closing balance of your Credit Card Facility exceeds your Credit Limit.
4The 44-day interest-free period consists of your 30-day statement cycle, plus the 14 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.
5Mastercard Zero Liability: Conditions for protection apply, see mastercard.com.au/zero-liability
^ Roy Morgan Risk Monitor 2024. Customers of Bendigo and Adelaide Bank Limited.
Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
