Low rate, platinum perks, or no annual fee. Choose the credit card that's best for you.
Find a card to suit your needs
From our great-value low rate card to our platinum range, we have a card to suit your needs.
Low rate
Save on interest and enjoy our lowest everyday purchase rate.
No annual fee
$0 annual fee. $0 international transaction fee.
Rewards & discounts
Earn Bendigo Bank Rewards points for every dollar spent.1
Qantas points
Earn Qantas Points and enjoy a wide range of benefits.2
Compare all cards
Explore our selection of credit cards and find the best choice for your needs and goals.
Due to a high volume of applications, we are experiencing delays in our processing times. Please bear with us as we process applications.
Bendigo Bright® Credit Card
Low rate
Benefits
Low annual fee and low purchase interest rate. 24/7 fraud monitoring and protection.5
Annual fee
$59
Balance transfer interest rate
19.99% p.a.
Purchase interest rate
11.99% p.a.
Cash advance interest rate
19.99% p.a.
Interest free period
Up to 55 days4
Rewards
No
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
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®1
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 Points2
Credit card features
Whichever credit card you choose you will get to enjoy the following features. If you'd like more information you can download the key facts sheet for our credit cards.
Interest free period for 55 days4
No fee for additional card holders
24/7 fraud monitoring5
Access your account via e-banking or the Bendigo Bank app
e-statements for easy account management
Mobile payments with your smart phone and watch
Mobile payments
With Bendigo Bank you can turn your phone or smartwatch into your wallet. Simply load an eligible Bendigo Bank card to your device and pay on the go.
Why bank with Bendigo Bank?
We're one of Australia's biggest banks, and we're also the nations most trusted bank. As we grow we invest in technology, accessibility, and service to create a better banking experience for everyone. Here are just some ways we're bigger for customers.
The better big bank
- Caring for 2.5 million customers
- Voted Australia's most trusted bank^
- Profits invested back into Australian communities
- Community bank branches in rural areas
Security
- 24/7 fraud monitoring
- Multi-factor authentication
- Secure online shopping
- Zero Liability Protection5
- Banking safely online support
Bendigo Bank app
- Transfer money
- BPAY
- Lock/unlock lost cards
- Change your card PIN
Helpful tools
Use our helpful tools to help compare and selected the right credit card for you.
Switch to Bendigo Bank
Make the switch that matters. Find out why we're Australia's most trusted bank^ and manage your finances with ease.
Need help?
Whether you prefer online resources, phone assistance, or a friendly face-to-face chat, we offer a variety of ways to get the support you need. Let us know how we can help!
Online
Complete the online enquiry form to get contacted via your phone or email.
At a branch
Use our branch locator to search for a branch, agency or ATM near you.
Phone
If you have clicked on any suspicious links and entered your e-banking details:
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Things you should know
^ Roy Morgan Risk Monitor 2024. Customers of Bendigo and Adelaide Bank Limited.
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 8 August 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. 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.
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.
5Mastercard Zero Liability
Conditions for protection apply, see mastercard.com.au/zero-liability
7Bendigo Credit Card Insurance
Terms, conditions, exclusions, limits and applicable sub-limits 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, exclusions, limits and applicable sub-limits 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.
Mastercard
Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
