Bendigo Bank credit cards

Offering a choice of low interest and rewards, there's a Bendigo Bank credit card for you.

Bill Ryan Natividad avatar
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Updated 21 Jan 2025   |   Rates updated regularly

Comparing of 5 Bendigo Bank credit cards

Bendigo Bright Credit Card

Not available for application via this website

Bendigo Bright Credit Card

Highlights

  • The 11.99% p.a. interest rate is low, helping reduce interest costs on carried balances
  • A $59 annual fee keeps costs low and manageable.
  • Add additional cardholders at no extra cost.

Pros

  • Includes fraud monitoring and ensures you won't be held responsible for unauthorized transactions.
  • Access Mastercard Priceless® Cities for exclusive experiences and special offers.
  • Compatible with Apple Pay, Fitbit Pay, Garmin Pay, Google Pay, and Samsung Pay,

Cons

  • While there are no rewards, it’s ideal for those who value simplicity over perks.
  • There is no introductory Balance Transfer offer at the moment.
Bendigo Bank Platinum Rewards Credit Card

Not available for application via this website

Bendigo Bank Platinum Rewards Credit Card

Highlights

  • Earn 1.5 Bendigo rewards points for every $1 spent.
  • Includes up to 90 days of international travel insurance.
  • Also comes with an extended warranty on purchases.
  • No charge for supplementary cardholders.

Pros

  • For an $89 annual fee, the Bendigo Bank Platinum Rewards Credit Card includes international travel insurance for those under 81—quite a good deal.
  • Earned points can be redeemed for gift cards, flights, travel vouchers, and more.
  • Offers 90-day purchase protection, giving you peace of mind if your items are stolen or accidentally damaged soon after purchase.
  • Includes fraud monitoring and ensures you won't be held responsible for unauthorized transactions.
  • Interest is calculated from the statement date, giving you more time to pay.
  • Access Mastercard Priceless® Cities for exclusive experiences and special offers.
  • The credit limit starts at $3,000, giving you flexibility for larger purchases.
  • Compatible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.

Cons

  • There is no sign-up bonus offer at the moment.
  • No introductory balance transfer offer.
Bendigo Bank Qantas Platinum Credit Card

Not available for application via this website

Bendigo Bank Qantas Platinum Credit Card

Highlights

  • Earn 0.6 Qantas Points for every $1 spent.
  • Includes up to 3 months of International Travel Insurance.
  • Comes with an extended warranty for eligible purchases and 90-day purchase protection for items stolen or accidentally damaged.
  • Get a FREE Qantas Frequent Flyer membership, saving you $99.50!

Pros

  • Add additional cardholders at no extra cost.
  • Includes fraud monitoring and ensures you won't be held responsible for unauthorized transactions.
  • Access Mastercard Priceless® Cities for exclusive experiences and special offers.
  • The credit limit starts at $3,000, giving you flexibility for larger purchases.
  • Compatible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.

Cons

  • There is no introductory balance transfer offer or purchase rate offer.
  • The 20,000 cap on reward earnings per statement period.
  • ATO spend does not earn points.
Bendigo Ready Credit Card

Not available for application via this website

Bendigo Ready Credit Card

Highlights

  • No international transaction fees, making it ideal for overseas and online spending.
  • Get up to 90 days of international travel insurance.
  • Includes extended warranty coverage on eligible purchases.
  • Plus a 90-day purchase protection against theft or accidental damage.

Pros

  • A $0 annual fee keeps costs low and makes the card budget-friendly.
  • No additional cardholder fee.
  • Includes fraud monitoring and ensures you won't be held responsible for unauthorized transactions.
  • Access Mastercard Priceless® Cities for exclusive experiences and special offers.
  • The credit limit starts at $3,000, giving you flexibility for larger purchases.
  • Compatible with Apple Pay, Fitbit Pay, Garmin Pay, Google Pay, and Samsung Pay,

Cons

  • There is no introductory Balance Transfer offer at the moment.
  • No rewards might seem limiting, but it's ideal for those who prefer simplicity over extras
Bendigo Business Credit Mastercard

Not available for application via this website

Bendigo Business Credit Mastercard

Highlights

  • Set individual spending limits to keep expenses under control and stay on budget.
  • Limit ATM access to designated cardholders.
  • Get flexible billing options, allowing control over payment responsibility, timing, and amount.
  • Receive a consolidated monthly statement with detailed breakdowns for each cardholder.

Pros

  • A 13.99% p.a. purchase rate is competitive for managing ongoing balances.
  • The $4 monthly fee, totaling $48 annually, keeps costs manageable.
  • Seamless transaction uploads to accounting software such as MYOB.
  • Compatible with Apple Pay, Fitbit Pay, Garmin Pay, Google Pay, and Samsung Pay,

Cons

  • Incurs a 3% foreign transaction fee.
  • Lacks a rewards program.

More about Bendigo Bank credit cards

Find helpful information on interest rates, fees, balance transfers, and rewards.

  • FAQs

What is the most popular Bendigo Bank credit card?

We think the Platinum Rewards Credit Card is the most popular credit card from Bendigo Bank.

Does Bendigo Bank offer credit cards with an introductory balance transfer offer?

Yes, you can get a balance transfer credit card with Bendigo Bank. If you want to use a balance transfer to save the most money possible, check what other offers are available before applying.

Does Bendigo Bank offer credit cards for businesses?

Yes, businesses can apply for a credit card with Bendigo Bank.

Does Bendigo Bank offer any credit cards with cashback rewards?

Bendigo Bank does not offer a cashback credit card.

Is there a low interest rate credit card available from Bendigo Bank?

Yes. There is a Bendigo Bank credit card available with a low interest rate.

Does Bendigo Bank offer frequent flyer credit cards?

Yes, Bendigo Bank offers frequent flyer credit cards. However, while they are reputable, they are not generally considered the best in class. More rewarding alternatives are available.

Does Bendigo Bank have credit cards with rewards points?

Yes, Bendigo does offer credit cards that reward you with points as you spend.

What can Bendigo Bank rewards points be used for?

Bendigo Bank offers access to two rewards programs, the Bendigo Bank Rewards program and the Qantas Frequent Flyer program. Points earned in these programs can be redeemed for flights and hotel travel vouchers, and gift cards. Bendigo Rewards points can be redeemed for a range of household items, to make donations to charities, and converted to cashback.

What partners can points be transferred to from Bendigo Bank?

Points can be transferred from Bendigo Bank to Air New Zealand Airpoints, Cathay Pacific Asia Miles, Emirates Skywards, Etihad Guest, Malaysia Airlines Enrich, Qantas Frequent Flyer, and Singapore Airlines KrisFlyer.

How can customers manage credit cards from Bendigo Bank?

Bendigo Bank customers can use their app, phone customer service, or visit a local branch to manage their credit card.

Can customers use Bendigo Bank credit cards with a digital wallet?

Yes. Credit cards issued by Bendigo Bank are supported by Apple Pay, Google Pay, and Samsung Pay.

Is it possible to have more than one Bendigo Bank credit card?

Yes. You can have more than one credit card from Bendigo Bank simultaneously.

Are instalment plans available with a Bendigo Bank credit card?

No. Bendigo Bank credit cards do not currently have instalment plans.

Who can apply for a credit card from Bendigo Bank?

Bendigo Bank requires applicants to be at least 18 years old and earning $15,000 or more (depending on the card). Citizens and permanent residents living in Australia can apply. Applicants must have no history of bad credit.

What documents are required when applying for a Bendigo Bank credit card?

You will need to provide an Australian driver's licence number, your income details, expenses and debts, and proof of income.

How long does it take for Bendigo Bank to process an application?

Applications can take 5-10 days to be processed.

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