Bendigo Bank credit cards

4.0
Based on 569 Bendigo Bank credit card product reviews.
Fact Checked
Last updated

About 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 credit card options available at Bendigo include low-rate, no annual fee, rewards, and Qantas Point cards. Bendigo’s credit cards won the bank three 2024 Mozo Experts Choice Awards.

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Bendigo Bank Bright Credit Card review

Bright Credit Card

Purchase rate
11.99 % p.a.
Balance transfer rate
No current offer
Annual fee
$59
Rewards program
-
No Partner link
  • Low purchase rate

  • 55 days interest free on purchases

  • Security features (e.g. 24/7 fraud monitoring)

  • $5 overseas ATM withdrawal fee

  • No rewards

Our verdict

Bendigo Bank’s Bright Credit Card is a no-frills option and comes with a low purchase rate, solid interest-free period, and good security features. But the lack of a rewards points program might steer those who prefer rewards toward another product.

The Bright Credit card has an 11.9% p.a. purchase rate and an interest-free period of up to 55 days. Currently, this is Bendigo Bank’s lowest credit card rate. 

There’s a $59 annual fee, which isn’t bad when you consider how low the purchase rate is. Plenty of other cards with no annual fees in the Mozo database come with higher rates (although, there are some which are cheaper). 

Other fees to be aware of include a $5 overseas ATM withdrawal fee for travellers making use of the Bright card’s portability (you can use it anywhere Mastercard is accepted), as well as a 3% foreign exchange fee. 

The Bright Credit Card has security features like 24/7 fraud monitoring, no liability for unauthorised transactions, and the ability to temporarily block your card if you lose it, or even block certain transaction types. 

With the ability to use your Bright Credit Card to make mobile or smartwatch payments, it has all the hallmarks of a modern credit card, minus the bells and whistles of a rewards card – all with a low interest rate to boot. 

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Last updated 21 December 2024 Important disclosures

Bendigo Bank credit cards

  • Platinum Rewards Credit Card

    Purchase rate
    19.99 % p.a.
    Balance transfer rate
    No current offer
    Annual fee
    $89
    Rewards program
    Bendigo Rewards
    No Partner link

  • Qantas Platinum Credit Card

    Purchase rate
    19.99 % p.a.
    Balance transfer rate
    No current offer
    Annual fee
    $149
    Rewards program
    Qantas Frequent Flyer
    No Partner link

  • Bright Credit Card

    Purchase rate
    11.99 % p.a.
    Balance transfer rate
    No current offer
    Annual fee
    $59
    Rewards program
    -
    No Partner link

  • Ready Credit Card

    Purchase rate
    19.99 % p.a.
    Balance transfer rate
    No current offer
    Annual fee
    $0
    Rewards program
    -
    No Partner link

Get the latest news and product updates.

Bendigo Bank credit card ratings

Overall customer rating for Bendigo Bank credit cards

4.0
Based on 569 product reviews.

Customer reviews

Important disclosures
What is the minimum credit limit for Bendigo Bank?

The minimum credit limits for Bendigo Bank credit cards are: 

  • $1,000 for Bright Credit Cards 
  • $3,000 for Ready, Platinum Rewards, and Qantas Point Credit cards. 

Correct as at 2 December 2024. 

How do I increase my Bendigo Bank credit card limit?

To increase your Bendigo Bank credit card limit, you need to contact the bank on 1300 236 344, visit a Bendigo branch in person, or fill out an online enquiry form. 

How do I make Bendigo Bank credit card payments?

There are a few options for making repayments on your Bendigo Bank credit card. These include: 

  • Setting up a direct debit 
  • Online via Bendigo e-Banking
  • BPAY 
  • Paying over the phone by calling 1300 236 344
  • In-branch 
  • In an Australia Post Office 
  • Mail-in cheques addressed to Bendigo Bank, PO Box 480, Bendigo, VIC 3552. 
How do I close a Bendigo Bank credit card?

Before you can close your Bendigo Bank credit card, you need to make sure that you’ve fully paid off your balance and you’ve redeemed any rewards points you’ve collected while the card has been open. You won’t be able to get unused points back once your card has been closed. 

After that, you can call Bendigo Bank on 1300 236 344 to begin the cancellation process. 

Bendigo Bank products

Credit card quick links


^See information about the Mozo Experts Choice Credit Card Awards

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