Bendigo Bank offers credit cards to suit different needs, and its offerings include low rate cards, reward cards, platinum cards, and cards that support RSPCA.
Bendigo Bank began operations in the form of Bendigo Land and Building Society in the late 1850s, when the gold rush was at its peak. This institution took the form of a bank only in 1995, when the current name came into effect. Now, Bendigo Bank boasts approximately 1.5 million customers, over 90,000 shareholders, and more than 6,500 employees.
Bendigo Bank’s array of financial services and products include transaction accounts, savings accounts, term deposits, credit cards, personal loans, home loans, as well as insurance solutions. When it comes to getting a Bendigo Bank credit card, you get multiple options from which to choose, which include Visa and MasterCard affiliated cards.
Comparison of Bendigo Bank Credit Cards
Types of credit cards that Bendigo Bank offers
Bendigo Bank gives it customers the ability to choose a credit card as per their liking, given that each card comes with distinct features. If you’re turning to Bendigo Bank for a new credit card, here’s what you can expect:
Low rate credit cards
A low rate card is ideal to get if you don’t plan to pay your account’s closing balance in full each month, and Basic Black Visa or MasterCard credit card fits this category perfectly well. This card charges a low ongoing rate of 12.24% p.a. that applies on purchases, cash advances, and balance transfers. It also offers up to 44 interest-free days on purchases.
Rewards credit cards
If you want to earn rewards as per your spending, you can consider getting a rewards card. The Bendigo Bank Ready Red Visa or MasterCard credit card gives cardholders the ability to earn and redeem reward points through the Be Rewarded program. Plus, existing Bendigo Bank home loan customers and Bendigo and Adelaide Bank shareholders can take advantage of exclusive interest rate discounts. This card offers up to 44 interest-free days on purchases.
Credit cards that support RSPCA
Do you want to make a difference with your dollars? The RSPCA Rescue Visa credit card and the RSPCA Rescue Rewards Visa credit card contribute to RSPCA’s Adopt-a-Pet program. While the former contributes a percentage of each purchase, the latter makes a contribution of three dollars per month. Both these cards come with introductory interest rate offers for six months, and this rate applies on purchases, cash advances, and balance transfers. These cards offer interest-free days on purchases as well.
Platinum credit cards
If you’re looking for a credit card that comes with a bunch of extra benefits, consider getting a platinum card. The Bendigo Bank Platinum Visa Credit Card comes linked to the Be Rewarded program, it provides complimentary insurance covers, a 24/7 concierge service, various travel discounts as well as Visa Front Line access. This card also offers up to 55 interest-free days on purchases.
Business credit cards
You, as an employer, can consider turning to business credit cards to manage and streamline your employees’ spending. The Just Business MasterCard credit card that you can get through Bendigo Bank finds global acceptance, you can get multiple cards linked to single account and assign individual credit limits, and you can upload transaction details on accounting software like MYOB.
Benefits of banking with Bendigo Bank
Access funds easily
No matter whether you get a MasterCard or Visa credit card, you can look forward to using your card at EFTPOS terminals and ATMs internationally. You can also use your card for online and over-the-phone transactions.
Personalise your card
Bendigo Bank gives you the ability to customize your credit card using an image you provide, and you can also pick a picture from its large gallery of images.
Through the Be Rewarded program, Bendigo Bank gives its rewards cardholders the ability to accumulate reward points and then redeem them for rewards from categories like gifts, home, technology, kids, and more.
Be You can use your Bendigo Bank credit card to make contactless payments of less than $100, owing to Visa’s payWave and MasterCard’s PayPass technologies.
People looking for complimentary insurance covers can make use of complimentary transport accident insurance, overseas travel insurance, domestic flight inconvenience insurance, global hire car excess waiver, purchase protection insurance, extended warranty insurance, and best price guarantee through their Bendigo Bank Platinum credit cards.
How can I apply for a Bendigo Bank credit card?
Applying for a Bendigo Bank credit card is easy by completing the online application form. You can choose to apply in any of the following ways, depending on which you find most convenient.
Ways to apply
- Submit an online application
- Visit a Bendigo Bank branch and apply in person
- Speak to a Bendigo Bank representative over the phone
- You should be over 18 years of age
- You should be a permanent Australian resident or an Australian citizen
- You should not have poor creditworthiness
- Your complete name, date of birth, marital status, and number of dependents
- Your employer’s name and contact details
- Details about your income, expenditure, assets, and liabilities
What happens after I have applied?
The time period Bendigo Bank takes to asses applications can vary from one application to the next, depending on the requirement of additional information. It the bank requires any more information you can expect a bank representative to contact you. An income verification call going to your employer is normal, and once approved, you would have to complete a legally mandated identity check. After this, allow between five to 10 business days to get your new card.
Bendigo Bank, through its multiple credit card offerings, has something for just about everyone. Don’t forget, though, that other cards on the market offer similar features, so you’ll need to compare your options before applying.