Bendigo Bank credit cards

Bendigo Bank
Bendigo Bank's overall rating for credit cards

(as rated by the Mozo community)

8.1 / 10

based on 540 reviews

Bendigo Bank started out as a building society more than 150 years ago with its roots in two Australian communities, Bendigo and Adelaide. The bank now serves about 1.5 million customers across Australia. From low fee cards, reward cards and even an RCPCA credit card, Bendigo has a wide range of credit card options based on your financial preferences.

Rates and fees verified as correct at 25 September, 2018. Other information correct at the time of writing.

What credit cards do Bendigo Bank offer?

Here’s a quick snapshot of the different kinds of Bendigo Bank Credit Cards that you can choose from:

Low rate credit cards Low rate credit cards

Do you end up carrying a balance on your credit card? Then you should probably go after a Low Rate Credit Card from Bendigo Bank. This will let you take advantage of the low interest rates on everyday purchases plus 55 days interest free on credit card purchases.

Product Purchase rate Balance transfer rate Annual fees Interest free days  

11.99% p.a.

No current offer

$29

55

Go to site

11.99% p.a.

No current offer

$45

55

Go to site

11.99% p.a.

No current offer

$89

55

Go to site

Hide

Low fee credit cards Low fee credit cards

If you’re looking to avoid the high annual fees, you can choose from a number of Bendigo Bank credit cards that come with low ongoing annual fee as well as a low interest rate.

Product Purchase rate Balance transfer rate Annual fees Interest free days  

11.99% p.a.

No current offer

$29

55

Go to site

11.99% p.a.

No current offer

$45

55

Go to site

19.99% p.a.

No current offer

$45

55

Go to site

Hide

Rewards credit cards Rewards credit cards

Go for a Rewards Credit Card with Bendigo Bank to earn and redeem points for multiple things like travel, gift cards, shopping vouchers, cashback and retail products. That's not all, you'll also get access to services like complimentary travel insurance, concierge, extended warranty and rental car excess cover.

Product Points per dollar Purchase rate Balance transfer rate Annual fees  

1.5 points per dollar on Mastercard, uncapped

19.99% p.a.

No current offer

$89

Go to site

0.6 points per dollar on Mastercard, up to 20000 points per month

19.99% p.a.

No current offer

$149


Hide

Prestige cards Prestige cards

Looking for a premium card that lets you earn rewards points on everyday purchases? Then you should consider a prestige card with Bendigo Bank. You can redeem your rewards points for various things such as gift cards, hotel accommodation or flight tickets. Other advantages include insurance benefits and interest free days on purchases.

Product Points per dollar Purchase rate Balance transfer rate Annual fees  

11.99% p.a.

No current offer

$89

Go to site

1.5 points per dollar on Mastercard, uncapped

19.99% p.a.

No current offer

$89

Go to site

0.6 points per dollar on Mastercard, up to 20000 points per month

19.99% p.a.

No current offer

$149


Hide

Frequent flyer credit cards Frequent flyer credit cards

Product Points per dollar Purchase rate Balance transfer rate Annual fees

0.6 points per dollar on Mastercard, up to 20000 points per month

19.99% p.a.

No current offer

$149


Hide

**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.

Bendigo Bank credit card features in a glance

Rewards programRewards program

There’s a wide range of options that you can go for with a Bendigo Bank rewards card. Everyday purchases can earn you points that can be redeemed for gift vouchers, household items, hotel bookings, flight tickets and a lot more. You can also choose to be generous and donate your points to participating charities.   

Online bankingOnline banking

It’s easy to register for online banking facilities with Bendigo Bank. All you need to do is call their customer care number and follow the prompts. You can then register online for Internet banking as well as download a mobile banking app for your smartphone.

Interest free daysInterest free days

Bendigo Bank credit cards come 55 interest free days on purchases. To avoid paying interest on the purchases balance, you should always try to pay the full closing balance shown on every account statement by the due date. To make sure you always pay on time, it’s a good idea to set up a direct deposit from your bank account to your credit card provider.

Tap and go Tap and go

You can make contactless payments with your Bendigo Bank credit card that won’t need you to swipe, sign or enter your PIN when making purchases under $100. All you need to do is hold your Bendigo Bank credit card to the reader for a quick transaction.

International paymentsInternational payments

With Bendigo Bank you can access a variety of services to address your foreign exchange and travel needs. Some of the banking solutions, which will let you safely transfer and carry cash overseas include telegraphic transfers and multi-currency cash passports that allow you to lock in your exchange rates before you go.

Additional cardholderAdditional cardholder

You can add a close friend or family member as an additional cardholder who is allowed to make purchases on your bendigo Bank Credit Card account. They can be issued with a card of their own to make these transactions but it will still be your responsibility to meet the repayment obligations. You can apply for an additional card at the branch or over the phone.

Cards with a causeCards with a cause

Bendigo Bank gives its credit card holders the opportunity to support local communities by contributing to a cause. For instance, the RSPCA Adoptapet program receives a percentage of the revenue generated from purchases made using Bendigo RSPCA Rescue cards.

How are Bendigo Bank credit cards rated?

The Mozo community has rated Bendigo Bank Credit Cards on a range of specifications such as price, features, convenience and customer service.

Bendigo Bank credit cards

Overall 8.1

Price

Features

Customer service

Convenience

Trust

539 Reviews

Recent Bendigo Bank credit card reviews Recent Bendigo Bank credit card reviews

Bendigo Bank

Bendigo Bank Low Rate Mastercard credit card review

Overall rating   9 / 10

Good

Bendigo Bank is open on Saturdays.

Full review

Bendigo Bank is open on Saturdays.

    Price   10 / 10

    Features   6 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Darren, Victoria, reviewed 6 months ago

Bendigo Bank

Bendigo Bank Low Rate First Mastercard credit card review

Overall rating   7 / 10

Good

Bendigo bank are good.

Full review

Bendigo bank are good.

    Price   5 / 10

    Features   7 / 10

    Customer service   8 / 10

    Convenience   7 / 10

    Trust   5 / 10

Less

Samara, Queensland, reviewed 6 months ago

Bendigo Bank

Bendigo Bank credit card review

Overall rating   10 / 10

Great bank

I've had no problems with Bendigo bank. They're a steady hand in the financial services market.

Full review

I've had no problems with Bendigo bank. They're a steady hand in the financial services market.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Judy, Tasmania, reviewed 6 months ago

Bendigo Bank

Bendigo Bank credit card review

Overall rating   5 / 10

Good customer service

Good customer service, however the credit trap is something to avoid.

Full review

Good customer service, however the credit trap is something to avoid.

    Price   2 / 10

    Features   2 / 10

    Customer service   8 / 10

    Convenience   3 / 10

    Trust   3 / 10

Less

Dominic, Victoria, reviewed 6 months ago

Bendigo Bank

Bendigo Bank Low Rate First Mastercard credit card review

Overall rating   10 / 10

Bendigo Bank are helpful

I can walk there.

Full review

I can walk there.

    Price   9 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Margaret, New South Wales, reviewed 7 months ago

Hide reviews

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

What do you need to apply for a Bendigo Bank credit card? What do you need to apply for a Bendigo Bank credit card?

After you’ve had a careful look at the different Bendigo Bank Credit Cards available and selected the one that’s most suitable for you, click on the ‘Go to site’ button on Mozo to reach the Bendigo Bank website directly.

You can then get started with the application process, which is quite simple and straightforward. The online application form will ask you to enter some details such as your contact information, identity proofs and employment details. You’ll also need to be over 18 years of age and be an Australian resident for taxation purposes.

Hide

More helpful credit card quick links