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 19 March 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
Customer service
Convenience
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Latest reviews of Bendigo Bank Bright Credit Card

About Bendigo Bank

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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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Membership Rewards

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19.99% p.a.

No current offer

$299

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Velocity Platinum Card

23.99% p.a.

No current offer

$375

Velocity Frequent Flyer

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Qantas Discovery Card

23.99% p.a.

No current offer

$0

Qantas Frequent Flyer

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Low Rate Credit Card

10.99% p.a.

No current offer

$0

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American Express

Qantas Ultimate Card

Qantas Frequent Flyer

$450

100,000

1.25 points up to 100,000 points/year, then
1 point uncapped

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NAB

Qantas Rewards Premium Card

Qantas Frequent Flyer

$250 $150 in the first year

70,000

0.66 points up to $3,000/month, then
0.33 points up to $6,000/month

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Qantas Premium Card

Qantas Frequent Flyer

$249

20,000

1 point uncapped

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Rewards Signature Card

NAB Rewards

$295 $145 in the first year

160,000

1.25 points uncapped

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American Express

Qantas Discovery Card

Qantas Frequent Flyer

$0

No current offer

0.75 points uncapped

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Velocity Escape Card

Velocity Frequent Flyer

$0

No current offer

0.75 points uncapped

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NAB

Qantas Rewards Signature Card

Qantas Frequent Flyer

$395 $295 in the first year

120,000

1 point up to $5,000/month, then
0.5 points up to $20,000/month

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Altitude Black

Altitude Rewards

$295 $150 in the first year

150,000

1.25 points uncapped

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NAB

Low Rate Card

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

13.49% p.a.

$59 $0 in the first year

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Citi

Premier Credit Card

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

21.49% p.a.

$300 $150 in the subsequent years if you spend $48,000 on eligible purchases or cash advances in previous year., $150 in the first year

Citi Rewards Program

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Bank of Queensland

Blue Visa Credit Card

0% p.a. for 9 months and then 21.74% p.a.

0% p.a. for 9 months then 20.74% p.a.

$60

Q Rewards

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Virgin Money

Virgin Australia Velocity Flyer Card - Balance Transfer Offer

0% p.a. for 24 months and then 20.99% p.a.

20.74% p.a.

$149 $0 in the first year

Velocity Frequent Flyer

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Bankwest

More Mastercard

0% p.a. for 6 months and then 19.99% p.a. (1.00% balance transfer fee)

19.99% p.a.

$100

Bankwest More Rewards

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NAB

Low Rate Card

13.49% p.a.

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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Low Rate Credit Card

10.99% p.a.

No current offer

$0

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12.99% p.a.

0% p.a. for 20 months and then 25.99% p.a. (2.00% balance transfer fee)

$99

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No current offer

$59

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0% p.a. for 6 months and then 8.99% p.a.

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9.90% p.a.

No current offer

$59

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8.99% p.a.

0% p.a. for 6 months and then 8.99% p.a.

$59 $0 in the first year

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Blue Visa Credit Card

0% p.a. for 9 months then 20.74% p.a.

0% p.a. for 9 months and then 21.74% p.a.

$60

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Westpac

Flex Card

0% p.a.

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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NAB

StraightUp Card

n/a

No current offer

$240 $20/month - waived if no spend & no balance owing

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Community First Bank

n0w Credit Card

n/a

No current offer

$228 Monthly fee is waived if account has a $0 balance and if card isn't used during the calendar month.

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humm90

Platinum Mastercard

0% p.a. for 3 months then 25.80% p.a.

0% p.a. for 18 months and then 25.99% p.a. Use code BTMARACQ upon applying. to receive 0%pa on balance transfers for 18 months.

$99

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