Man’s Best Friend: The Bendigo RSCPA Rescue VISA Credit Card Helps Rescue Animals When You Use Your Card

Information verified correct on October 22nd, 2016

The Bendigo RSPCA Rescue VISA Card is no ordinary credit card. It is a card that will help the RSPCA, otherwise known as the Royal Society for the Prevention of Cruelty to Animals. This is an animal rescue charity and when you use your card, there is a donation that is made to the RSPCA.

Product NameBendigo Bank RSPCA Rescue Visa
Balance transfer rate (p.a.)7.89% p.a. for 6 months
Balance Transfer Revert Rate
The interest rate after the balance transfer ends.
Cash Advance Rate (15.49% p.a.)
Purchase rate (p.a.)7.89% p.a. for 6 months (reverts to 15.49% p.a.)
Annual fee$24 p.a.
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
Up to 44 days on purchases
Cash advance rate (p.a.)15.49% p.a.
Min credit limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
Minimum Monthly Repayment3% or $10, whichever is greater
Card TypeVisa
Late Payment Fee$15
Complimentary Travel Insurance Cover0 months
Available To Temporary ResidentsNo
Minimum Age18 years of age
Available to Temporary ResidentsNo
Credit Rating Requirement
Credit rating requirement is provided only as a guide. Understanding your credit file helps you make more informed decisions in regards to your finances. Learn more about what this means here.
Min Credit Limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
Annual Fee$24 p.a.
Minimum Repayment3% or $10, whichever is greater
Late Payment Fee$15
Overseas Emergency Replacement$100
Overseas ATM Withdrawal Fee$5
Additional Cardholder Fee$0 p.a.
Direct DebitYes
Australia PostYes
Phone BankingYes
Internet Banking TransfersYes
In BranchYes

The Royal Society for the Prevention of Cruelty to Animals is a registered animal rescue charity. However, you may not claim a tax refund on the payments that are sent to RSPCA. This is because there is not a direct link between the donation and the cardholder. There is an account that holds the payments that are part of Bendigo RSPCA Rescue VISA Card’s rewards program.

The balance on your account is 3% of the closing balance on the statement. So, if money is still left over then it is not calculated from the amount that is spent during the month. If there is a balance on the card that is less than $330 then the card is charged $10 for the month. This means that there is a charge of at least $120 for the year. In addition, there is an annual fee that is assessed of $24 This brings fees to at least $144 a year.

The Bendigo RSPCA Rescue VISA Card charges a cash advance fee of 0.50% on any advance that is taken out that is above $650. If you take out an advance that is less than that then you will pay $3.25. Using this card at an ATM not affiliated with Bendigo bank will result in a fee. However, if you use it through a Bendigo Bank branch or ATM then you will not be charged a cash advance or ATM fee.

The card is brought to you by VISA and VISA is the largest credit card processor in the world. You can use this card at over 30 million locations around the world. You can also rest easy using VISA because it is insured with a zero liability policy from VISA. There will never be payments for unauthorised charges on your card.

You can feel great about using a card whose portion of proceeds go to a reputable animal rescue charity.

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