A low rate of 11.99% p.a. on purchases.
Three reasons to get a Bendigo Bright Credit Card
Find out if this card is the right fit for you.
Low rate
11.99% p.a. on purchases.
Interest free period
Up to 55 days interest free on purchases.4
Security
24/7 fraud monitoring and no liability for unauthorised transactions.5
Bendigo Bright summary
A no frills credit card offering low interest, low annual fees and card access for everyday purchases.
- Save on interest and enjoy our lowest everyday purchase rate.
- 24/7 fraud monitoring and no liability for unauthorised transactions.5
- Temporarily block lost cards and transaction types with Bendigo Bank card controls
- Use everywhere Mastercard is accepted
- Access to Mastercard Priceless® Cities exclusive experiences and special offers
- Mobile payments with your smart phone and smart watch
Check my eligibility
Before you apply, make sure are eligible and have your documentation ready.
Select what to display below
1. Your status
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I'm an individual, not a company
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I'm 18+ years of age
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I'm not currently bankrupt or insolvent
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I’m looking for a credit card for personal use, not business use
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I’m applying for a credit card in my name only
2. Your residency
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I'm an Australian citizen or permanent resident who is living/working in Australia.
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I'm the holder of one of the following acceptable visa subclasses and have applied for permanent Australian residency and have a minimum of 12 months remaining on my visa: 188, 489, 491, 494, 482 (excluding short term stream)
3. Your income
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I receive a regular income from one of the following accepted sources:
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- PAYG (Permanent, non-permanent and casual employment)
- Managed superannuation
- Self-managed superannuation
- Self employed
Rates and fees
Check out the below rates and fees that apply to the Bendigo Bright Credit Card. For the full list of fees and charges, please refer to the credit card terms and conditions.
Annual fee
$59 p.a.
Purchase interest rate
11.99% p.a.
Balance transfer rate
19.99% p.a.
Cash advance rate
19.99% p.a.
Minimum credit limit
$1,000
Additional card holders fee
$0
Discover the Bendigo Bank app
For convenient banking on the go, download the Bendigo Bank app. Big on ease, speed and security, it delivers all the tools you’ll need for seamless online 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
- Robust security features to keep you safe and secure
Download the Bendigo Bank app now
Get the Bendigo Bright Credit Card
Check you meet our eligibility criteria. Apply for this card and get access to useful features.
Due to a high volume of applications, we are experiencing extensive delays in our processing times. Please bear with us as we process applications.
Due to a high volume of applications, we are experiencing extensive delays in our processing times. Please bear with us as we process applications.
New customers
If you are a new customer you can apply online in minutes
Existing customers
If you are an existing customer, you can apply via e-banking.
Apply in branch
If you are a new customer you can apply at your preferred branch.
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.
Helpful tools
Use our helpful tools to help compare and selected the right credit card for you.
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 and a banking team member will contact you via your preferred channel, 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
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 Australian Credit Licence 237879 (‘Bendigo Bank’).
Target Market Determinations for products are available.
Bendigo Bright® is a registered trade mark owned by Bendigo and Adelaide Bank Limited.
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
Mastercard trademark
Mastercard and Priceless are registered trademarks, and the circles design and Tap & go are trademarks of Mastercard International Incorporated.
Apple and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries.
Google Pay is a trademark of Google LLC.
