8.2/10

Based on 7969 Bendigo Bank product reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.

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 over 1.9 million customers across Australia and has even won awards in the 2023 Mozo Experts Choice Travel Money Awards and the 2023 Mozo Experts Choice Credit Card Awards.

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 19 July 2024. 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

9.99% p.a.

No current offer

$59

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

9.99% p.a.

No current offer

$59

55

19.99% p.a.

No current offer

$0

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.

No current offer

$89

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

19.99% p.a.

No current offer

$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

1.5 points per dollar on Mastercard, uncapped

19.99% p.a.

No current offer

$89

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

19.99% p.a.

No current offer

$149

19.99% p.a.

No current offer

$0

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

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 customer reviews
Overall
8.1/10
Price
7.2/10
Features
6.7/10
Customer service
8.3/10
Convenience
8.1/10
Trust
8.3/10
Based on 568 Bendigo Bank product reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.

Recent Bendigo Bank credit card reviews

Bendigo Bank Credit Card
Overall 10/10
Excellent service

I signed up to this bank a couple of years ago and there customer service has been excellent. My credit card was recently hacked and charges put on by an unknown source. They notified me immediately and I was able to order a new card and the bank were able to get the charges reversed, for which I am immensely grateful.

Read full review

I signed up to this bank a couple of years ago and there customer service has been excellent. My credit card was recently hacked and charges put on by an unknown source. They notified me immediately and I was able to order a new card and the bank were able to get the charges reversed, for which I am immensely grateful.

Price
10/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Hayley, Tasmania, reviewed 4 months ago
Bendigo Bank Ready Credit Card
Overall 1/10
Katie

Bendigo bank is big on community spirit and banking local. Most are run by a board of local towns people. Once a year community groups can apply for funding, which the board allocate what funds to which group. Most of the board or their wives or husbands or children are in these “groups” so funding gets allocated to who they choose. It’s very biased and unfair. The fees and charges on all accounts are ridiculous the highest of any bank. I personally would never bank with Bendigo bank again. Once my credit card is paid out that is the last account I have with them to close. I liked the idea of support your local community ect but once I found out how it works, I’m appalled at the behaviour.

Read full review

Bendigo bank is big on community spirit and banking local. Most are run by a board of local towns people. Once a year community groups can apply for funding, which the board allocate what funds to which group. Most of the board or their wives or husbands or children are in these “groups” so funding gets allocated to who they choose. It’s very biased and unfair. The fees and charges on all accounts are ridiculous the highest of any bank. I personally would never bank with Bendigo bank again. Once my credit card is paid out that is the last account I have with them to close. I liked the idea of support your local community ect but once I found out how it works, I’m appalled at the behaviour.

Price
1/10
Features
1/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Clark, Western Australia, reviewed 7 months ago
Bendigo Bank Bright Credit Card
Overall 1/10
Pathetic attitude towards long term customers

In 2014 they allowed $9,000.00 to be debited from my credit card into an online banking account in less than 3 weeks. When I queried where their duty of care was to notify me of these transactions, they said as I had used the account for that purpose in the past - even though it was no more than $200 in a month, they felt no need to advise me of the activity on my account. That happened in Melbourne. This year (2022), they repeatedly put signs on their window saying they were closed for 28days, or temporarily closed but no clue what "temporarily" entailed. In September they permanently closed that heabch

Read full review

In 2014 they allowed $9,000.00 to be debited from my credit card into an online banking account in less than 3 weeks. When I queried where their duty of care was to notify me of these transactions, they said as I had used the account for that purpose in the past - even though it was no more than $200 in a month, they felt no need to advise me of the activity on my account. That happened in Melbourne. This year (2022), they repeatedly put signs on their window saying they were closed for 28days, or temporarily closed but no clue what "temporarily" entailed. In September they permanently closed that heabch

Price
9/10
Features
6/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Debbie, South Australia, reviewed almost 2 years ago
Bendigo Bank Bright Credit Card
Overall 4/10
Customer service sucks

Trying to contact over the phone spent over two hours on hold. Cannot access online banking without a customer reference number which you need to call for. Should have on an online system where you can retrieve details

Read full review

Trying to contact over the phone spent over two hours on hold. Cannot access online banking without a customer reference number which you need to call for. Should have on an online system where you can retrieve details

Price
5/10
Features
5/10
Customer service
2/10
Convenience
2/10
Trust
6/10
Less
Kim, Western Australia, reviewed almost 2 years ago
Bendigo Bank Bright Credit Card
Overall 7/10
A low-rate card with great features and service

This card was a fantastic option for credit without interest for 18 months. We used it to get our business going and had plenty of time to pay off the card once the interest started ticking over. When I called to have the credit limit reduced, the friendly staff initially told me I would have to visit a branch, but then helpfully changed my limit over the phone. I am very happy with this bank and card that I would recommend it to others without hesitation.

Read full review

This card was a fantastic option for credit without interest for 18 months. We used it to get our business going and had plenty of time to pay off the card once the interest started ticking over. When I called to have the credit limit reduced, the friendly staff initially told me I would have to visit a branch, but then helpfully changed my limit over the phone. I am very happy with this bank and card that I would recommend it to others without hesitation.

Price
8/10
Features
5/10
Customer service
9/10
Convenience
9/10
Trust
9/10
Less
Mike, New South Wales, reviewed about 2 years 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