Bright Credit Card card image

Bendigo Bank Bright Credit Card

Advertiser disclosure
Purchase rate
9.99% p.a.
Balance transfer rate
No current offer
Annual fees
$59
Interest free days on purchases
55

Mozo editorial review Bendigo Bank Bright Credit Card - last updated: 4 September 2023

binocular icon
What's hot
  • Low $59 annual fee
  • 9.99% p.a. purchase rate
  • 55 interest free days
What's not
  • $15 late payment fee
Mozo snapshot

If you’re looking for a card that’s got the basics covered, you might want to look at the Bendigo Bank Bright Credit Card. This low-rate card offers a 9.99% p.a. purchase rate, with 55 interest-free days and a low annual fee of $59.


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Key features

The Bendigo Bank Bright Credit Card could be a great option if you’re looking for a simple everyday option for your wallet. 

While there is an annual fee of $59, you’ll also get a low 9.99% p.a. purchase rate. 

Be careful not to be late with your payments on this card, as you will be subject to a $15 late payment fee. 

This also might not be the card for you if you’re planning on taking out cash, as you’ll be charged a higher 19.99% cash advance rate for it as well as a fee ($3 or 3% of the transaction value, whichever is greater).

That said, if you’re looking for a low rate card without extra complications, this could be a tempting choice.

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Who is it good for

People looking for a card with a low purchase rate might find themselves drawn to this option. If you ever find yourself with a balance remaining on your credit card, a low-rate option could help you from building up extra unnecessary debt. 

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Any catches

This is not the card for people looking for lavish rewards, as it’s a fairly straightforward set-up. It’s also not for the forgetful, since late payments will incur a $15 late fee.

Details

Rates and fees information correct as at 15 April 2024 Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

9.99% p.a.

none

No current offer

yes

19.99% p.a.

55

Fees

$59.00

none

none

none

$15.00

Greater of $3.00 or 3% of the transaction amount.

3.00%

$5.00

$15.00

$0.00

Features

$10.00

3.0

yes

$5 fee for overseas ATM withdrawals

Payment options

Apple Pay, Google Wallet, Samsung Pay, Fitbit Pay, Garmin Pay

Customer Reviews

How are Bendigo Bank credit cards rated by the Mozo community?

Overall
Price
Features
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Latest reviews of Bendigo Bank Bright Credit Card

About Bendigo Bank

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1.25 points up to 100,000 points/year, then
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0.66 points up to $3,000/month, then
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Qantas Premium Card

Qantas Frequent Flyer

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1 point uncapped

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NAB Rewards

$295 $145 in the first year

160,000

1.25 points uncapped

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0.75 points uncapped

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0.75 points uncapped

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$395 $295 in the first year

120,000

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13.49% p.a.

$59 $0 in the first year

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0% p.a. for 6 months and then 22.24% p.a.

21.49% p.a.

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Citi Rewards Program

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Velocity Frequent Flyer

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$100

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0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)

$59 $0 in the first year

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$0

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0% p.a. for 12 months and then 25.99% p.a. (2.00% balance transfer fee)

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No current offer

$120 $10 monthly fee waived if the outstanding balance on the previous statement is paid in full by the due date.

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StraightUp Card

n/a

No current offer

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n0w Credit Card

n/a

No current offer

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