Compare our credit cards

Compare our credit cards in one easy table. From our great-value Low Rate to our Platinum Rewards card, we'll help you save money with our fair way of charging interest.

 Low RatePlatinum
Rewards
Qantas
Platinum
RSPCA
card
Cards Low Rate 
First
Low Rate First credit card
Low Rate
 
Low Rate credit card
Low Rate
Platinum
Low Rate Platinum credit card
Platinum
Rewards
Platinum Rewards credit card
Qantas
Platinum
Qantas Platinum credit card
RSPCA
Mastercard
RSPCA Mastercard
Minimum credit limit $500 $500 $3,000 $3,000 $3,000 $500
Minimum repayments $10 or 3% per month, whichever is greater
Annual fee $29 $45 $89 $89 $149 $45
Interest on purchases 11.99% 11.99% 11.99% 19.99% 19.99% 19.99%
Interest on cash advances 13.99% 13.99% 13.99% 21.99% 21.99% 21.99%
Interest-free period Up to 55 days
Spend benefits N/A N/A N/A $1 = 1.5 Rewards Points4 $1 = 0.6 Qantas Points3 Percentage of spend goes to RSPCA Adoptapet
Other benefits Exclusive to customers aged 18 – 25 years N/A Mobile phone and tablet insurance + purchase protections2 Travel insurance + purchase protections2 Travel insurance + purchase protections2 Free photo card
Optional monthly $5 donation to RSPCA (tax deductible)
Late payment fee $15
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Terms, conditions, fees and charges apply. All information is correct as at 01/08/17 and is subject to change. Full details available on application. Lending criteria apply. Interest rate and annual fee current at 01/08/17. Rates and fees are subject to change. Credit provided by Bendigo and Adelaide Bank Limited ABN 11 068 049 178 Australian Credit Licence 237879.

Mastercard and Priceless are registered trademarks and the circles design and Tap & Go are trademarks of Mastercard International Incorporated.

2Our insurance partners - Platinum Rewards insurances are underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) (Chubb). Qantas Platinum and Low Rate Platinum insurances are issued by AWP Australia Pty Ltd ABN 52 097 227 177 AFSL No. 245631 trading as Allianz Global Assistance (under a binder from Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No. 234708) to Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL No. 237879. Bendigo Bank doesn’t guarantee any of the benefits provided under the insurance covers. Terms and conditions, limits and exclusions apply. Neither Bendigo Bank, nor any of its Group of companies, has any liability in connection with any insurance claim under the Terms and Conditions. Neither Bendigo Bank, nor any of its Group of companies, guarantee or are liable to pay any of the benefits provided under the covers, nor are they authorised representatives of the insurance providers. Platinum cardholders do not hold these insurances but receive benefits under the insurance covers. The insurance providers and Bendigo Bank may agree to terminate the covers at any time. Bendigo Bank will notify the Platinum cardholders on or before the date of such termination.

3Qantas Points - To earn Qantas Points with Qantas Platinum Mastercard 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 You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. A joining fee usually applies, however complimentary membership is available from Bendigo Bank if you join here. Membership and the earning and redemption of points are subject to the terms and conditions of the Qantas Frequent Flyer program. Qantas Points are earned in accordance with and subject to the Bendigo Bank terms and conditions.
Qantas Points are earned on eligible transactions at the rate of 0.6 Qantas Points per dollar, are credited monthly to the Frequent Flyer account and are capped at 20,000 points per month – see Bendigo Credit Card Terms and Conditions or call 1300 236 344. Eligible transactions exclude, for example, 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. For complimentary membership, join at  qantaspoints.com/ffjoinbendigo

4Rewards points - Rewards points are earned on eligible transactions – see Bendigo Rewards Terms and Conditions, or call 1300 236 344. This calculator is for illustrative purposes only and shows the difference that Bendigo Bank's interest charging method makes on a purchase made on day 5 of a 30-day statement period with a partial repayment on or before the due payment date. Terms, conditions, fees and charges apply. All information is correct as at 01/02/16 and is subject to change. Full details available on application. Lending criteria apply. Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL/Australian Credit Licence 237879.