8.2 / 10

based on 7741 Bendigo Bank banking product 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 29 July, 2021. 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 12 months then 11.99% p.a.

0% p.a. for 12 months and then 11.99% p.a. (2.00% balance transfer fee)

$45

55

Go to site

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 12 months then 11.99% p.a.

0% p.a. for 12 months and then 11.99% p.a. (2.00% balance transfer fee)

$45

55

Go to site

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

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

562 Reviews

Recent Bendigo Bank credit card reviews

Bendigo Bank Credit Card
Overall 8/10
Excellent customer service and products

I have banked with this bank since I was young and have found them to always be competitive. They have a good product base and the staff are very friendly and helpful when ever i have questions.

Read full review

I have banked with this bank since I was young and have found them to always be competitive. They have a good product base and the staff are very friendly and helpful when ever i have questions.

Price
9/10
Features
7/10
Customer service
9/10
Convenience
5/10
Trust
8/10
Less
Karen, Queensland, reviewed 6 months ago
Bendigo Bank Low Rate Credit Card
Overall 8/10
Very good

Its local and they are very helpful.

Read full review

Its local and they are very helpful.

Price
7/10
Features
7/10
Customer service
8/10
Convenience
7/10
Trust
7/10
Less
Alex, South Australia, reviewed 6 months ago
Bendigo Bank Credit Card
Overall 7/10
I would recommend to others

Great bank with helpful staff. Just need to be more competitive on rates.

Read full review

Great bank with helpful staff. Just need to be more competitive on rates.

Price
6/10
Features
4/10
Customer service
4/10
Convenience
7/10
Trust
8/10
Less
Kylie, Queensland, reviewed 7 months ago
Bendigo Bank Credit Card
Overall 6/10
Customer service in branches is always excellent.

My main issue is that we don't ever receive notifications that our credit card is due to be paid - and we've requested it numerous times.

Read full review

My main issue is that we don't ever receive notifications that our credit card is due to be paid - and we've requested it numerous times.

Price
7/10
Features
6/10
Customer service
8/10
Convenience
8/10
Trust
6/10
Less
Ruth, Victoria, reviewed 7 months ago
Bendigo Bank Low Rate Credit Card
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 9 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