8.2 / 10

based on 7667 reviews as rated by Mozo community

Bendigo Bank credit cards

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 and is a multiple 2020 Mozo Experts Choice Award winner. 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.

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:

Rates and fees verified as correct at 24 November, 2020. Other information correct at the time of writing. Advertiser disclosure.

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 on purchases

0% p.a. for 15 months then 11.99% p.a.

No current offer

$45

55

11.99% p.a.

0% p.a. for 6 months and then 11.99% p.a.

$29

55

11.99% p.a.

0% p.a. for 6 months and then 11.99% p.a.

$89

55

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 on purchases

0% p.a. for 15 months then 11.99% p.a.

No current offer

$45

55

11.99% p.a.

0% p.a. for 6 months and then 11.99% p.a.

$29

55

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.

0% p.a. for 6 months and then 21.99% p.a.

$89

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

19.99% p.a.

0% p.a. for 6 months and then 19.99% p.a.

$149

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.

0% p.a. for 6 months and then 11.99% p.a.

$89

1.5 points per dollar on Mastercard, uncapped

19.99% p.a.

0% p.a. for 6 months and then 21.99% p.a.

$89

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

19.99% p.a.

0% p.a. for 6 months and then 19.99% p.a.

$149

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.

0% p.a. for 6 months and then 19.99% p.a.

$149

**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.

How are Bendigo Bank credit cards rated?

Mozo users have rated Bendigo Bank credit cards on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of credit-cards
Bendigo Bank credit cards
Overall
8.1/10
Price
Features
Customer service
Convenience
Trust

558 Reviews

Recent Bendigo Bank credit card reviews

Bendigo Bank Low Rate Credit Card review
Overall 4/10
Customer should learn sign language

They should communicate with me because I am deaf and mute.

Read full review

They should communicate with me because I am deaf and mute.

Price
5/10
Features
7/10
Customer service
10/10
Convenience
5/10
Trust
4/10
Less
Linh, New South Wales reviewed 15 days ago
Bendigo Bank Low Rate First Credit Card review
Overall 9/10
Very Happy and would recommend Bendigo Bank

Very easy to apply online. Customer service agent was very friendly and contacted me by phone to explain exactly what I needed to send in. Approval was received quickly afterwards. They also currently have a free gift card promotion going. Probably not as many physical branches as the big 4 but the customer service is very good. Having an actual; branch doesn't mean you get good service from the big 4!

Read full review

Very easy to apply online. Customer service agent was very friendly and contacted me by phone to explain exactly what I needed to send in. Approval was received quickly afterwards. They also currently have a free gift card promotion going. Probably not as many physical branches as the big 4 but the customer service is very good. Having an actual; branch doesn't mean you get good service from the big 4!

Price
10/10
Features
8/10
Customer service
10/10
Convenience
8/10
Trust
10/10
Less
Bradley, New South Wales reviewed 28 days ago
Bendigo Bank Credit Card review
Overall 10/10
Bendigo Bank cares whether you are rich or poor.

Bendigo Bank has been my trusted bank for many years after I sold my house to finance my donation of a kidney to my son. The local branch personnel in Carrum Downs were a team of emotional strength when I needed it. They were always caring and courteous.

Read full review

Bendigo Bank has been my trusted bank for many years after I sold my house to finance my donation of a kidney to my son. The local branch personnel in Carrum Downs were a team of emotional strength when I needed it. They were always caring and courteous.

Price
10/10
Features
10/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Vicki, Victoria reviewed about 1 month ago
Bendigo Bank Credit Card review
Overall 6/10
Good service and easy to communicate with.

I like this bank because fees are low and interest rate is very competitive. It has great customer service.

Read full review

I like this bank because fees are low and interest rate is very competitive. It has great customer service.

Price
7/10
Features
8/10
Customer service
7/10
Convenience
7/10
Trust
7/10
Less
Carol, Victoria reviewed 2 months ago
Bendigo Bank Low Rate First Credit Card review
Overall 10/10
They actually give back to the community - wow.

Bendigo Bank actually give back to the community which I think is so wonderful and the staff are always brilliant.

Read full review

Bendigo Bank actually give back to the community which I think is so wonderful and the staff are always brilliant.

Price
10/10
Features
10/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Katie, Victoria reviewed 4 months ago

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.

Credit card quick links