Ask Roland a Question

Hi, I’m the site founder and I will personally answer your question within a business day.

By submitting this question you agree to our privacy policy.

Bendigo Bank Low Rate Credit Card
Bendigo Bank Low Rate Credit Card

Bendigo Bank Credit Cards

Bendigo Bank Low Rate Credit Card

Updated 13 November 2019

The Bendigo Bank Low Rate Mastercard offers 0% for 15 months on purchases. Comes with a low annual fee and no fees for additional cardholders. Eligible with Google Pay, Apple Pay, Samsung Pay, Fitbit Pay and Garmin Pay.

T&Cs apply. Offer ends 31 December 2019

Purchase Rate (p.a)

0% p.a.

for 15 months. Reverts to 11.99% p.a.

Balance Transfer (p.a)

0% for 6 months No BT fee. reverts to 11.99% p.a.

Annual Fee (p.a)

$45

$0 over 6 months

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • 0% for 15 months on purchases from account opening. Reverts to a low ongoing 11.99% p.a. interest on purchases
  • 13.99% p.a. on cash advances
  • Up to 55 days interest free on purchases
  • $45 annual fee
  • Additional cardholders with no additional fees
  • Eligible with Google Pay, Apple Pay, Samsung Pay, Fitbit Pay and Garmin Pay

    Creditcard.com.au review

    Editor Review

    Bendigo Bank Low Rate Credit Card

    Roland Bleyer
    Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. about this card.

    The Bendigo Bank Low Rate Credit Card

    If you happen to be one of those cardholders who value saving money, the Bendigo Bank Low Rate Credit Card may just be for you. As you’ll find with most low interest, low fee cards, this Bendigo Bank offering is not exactly overflowing with features. But, what this card lacks in extras it makes up for in money smarts, allowing you to save not just on annual fees but on interest too.

    What we love…

    In this section, we usually review the card’s awesome introductory offers, its incredible rewards program or its exceptional extras. The Bendigo Bank Low Rate Credit Card currently has 0% for 15 months on purchases. Reverts to the low purchase rate of 11.99% p.a.

    But, that’s not to say there isn’t anything to love about this card. If you simply want a card that can save you money on annual fees and interest, then you really could learn to love this card. Well, perhaps not love, but you may develop a fondness for it, at least.

    The Bendigo Bank Low Rate Credit Card has a nice low annual fee, so even if you don’t use it that often, it won’t break the bank keeping it in your wallet. This can be a refreshing change from certain other cards with awesome introductory offers, incredible rewards and exceptional extras.

    Similarly, while most feature-packed credit cards tend to charge higher rates of interest on purchases and cash advances, the Bendigo Bank Low Rate Credit Card has a nice low interest rate on both. Plus, it offers up to 55 days interest free on purchases too.

    What’s not so great…

    When it comes to low cost cards, we try not to complain too much. So, it doesn’t have heaps of extras, but, if you’re not looking for extras – or you don’t want to pay for them – then a simple, low cost card could be the perfect alternative.

    As long as you apply knowing that this is a money-saver and not a perk-provider, then there’s not much to complain about. Treat this card right – by paying off the balance each month and avoiding unnecessary fees – and it should treat you right in return.

    Why should you choose this card?

    You should choose this card if you want access to credit, but you don’t want to pay over the odds for the privilege. If you’re new to credit or you’re not great at clearing your balance each month, this could be a card that allows you to find your feet and get on the right track.

    As we said, there isn’t much in the way of extras on this card, but that’s not to say it doesn’t have any features to offer. In terms of security, the card offers 24/7 fraud monitoring and no liability for unauthorised transactions. It also offers additional protection with Mastercard SecureCode.

    You can save even more money, with no fees for additional cardholders, and you can save time at the checkout with Tap & Go contactless payments for purchases under $100. You can personalise your card with an image of your choice (for an extra $10), and you can also enjoy access to Mastercard Priceless Cities exclusive experiences and special offers.

    Overall Rating

    A simple, low cost card offering a low annual fee and low interest, perfect for cardholders who don’t want expensive, unnecessary extras. Take advantage of the awesome 0% for 15 months on purchases.

    User reviews

    Bendigo Bank Low Rate Credit Card ( based on 3 Creditcard.com.au user reviews )

    91% rating based on 3 reviews

    Rates
    Fees
    Rewards
    Customer Service
    Value
    91%

    Creditcard.com.au Visitor

    28 January 2013

    Great low rate low fee card. Purchases and cash advances both have same super low rate and you don’t pay a high annual fee just to use a credit card. Perfect.

    Recommends this card

    Rates and fees

    Interest rates



    Purchase rate 11.99% p.a.

    Introductory purchase rate 0% p.a. for 15 months

    Cash advance rate 13.99% p.a.

    Interest free period on purchases up to 55 days

    Balance transfer

    Balance transfer rate 0% p.a. for 6 months

    Balance transfer revert rate 11.99% p.a.

    Balance transfer from personal loan N/A

    Balance transfer fee No fee

    Balance transfer limit 80% of approved credit limit

    Banks you can't balance transfer from Bendigo Bank

    Credit limits

    Minimum credit limt $500

    Maximum credit limit N/A

    Fees & repayments

    Annual fee $45 p.a.

    Additional card holder fee $0 p.a.

    Foreign transaction fee 3%

    Minimum repayment $10 or 3%, whichever is greater

    Cash advance fee 0.5%

    Late payment fee $15

    Additional features

    Complimentary insurance

    International Travel Insurance No

    Flight Inconvenience Insurance No

    Transit Accident Insurance No

    Smartphone Screen Insurance No

    Purchase Protection Insurance No

    Extended Warranty Insurance No

    Rental Vehicle Excess In Australia Insurance No

    Extras

    Eligible with Apple Pay, Samsung Pay and Google Pay

    Overview

    Bendigo Bank Low Rate Credit Card

    The Bendigo Bank Low Rate credit card is a low interest credit card that’s designed for those who want to get the job done with few frills. This card combines a low purchase rate and cash advance rate with a low annual fee, and still leaves you the chance to add a family member or your spouse as an additional card holder. For those who pay their balance in full each month, there is also the interest free period to take advantage of. With this card you get up to 55 days to pay off purchases. The minimum for repayments is 3% of the balance due or $10, whichever is greater.

    Key features

    • 0% for 15 months on purchases from account opening. Reverts to a low ongoing 11.99% p.a. interest on purchases
    • 13.99% p.a. on cash advances
    • Up to 55 days interest free on purchases
    • $45 annual fee
    • Additional cardholders with no additional fees
    • Eligible with Google Pay, Apple Pay, Samsung Pay, Fitbit Pay and Garmin Pay

    Minimum criteria to apply for this card

    • Be over 18 years old

    • Good Credit and have not applied for multiple credit cards recently

    • Resident or citizen of Australia. Temporary residents are eligible.

    • You have your personal details ready to complete the online application

    Roland B Bleyer

    Roland B Bleyer founded Creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

    Recently Asked Questions

    Something you need to know about this card? Ask a our credit card expert a question.

    21 questions (showing the latest 10 Q&As)

    Candice Catto

    Candice Catto

    9 November 2019
    Can I apply being on a disability pension I get $13500/$1400 fortnight going up as I’m getting Carers allowance as I have a 7 yr old son with disabilities no other credit cards or applications for one thanks
      Roland B Bleyer - CreditCard.com.au Founder

      Roland

      11 November 2019
      Hi Candice, I am not sure whether Bendigo bank will accept the pension as income. I would reach out to them directly to confirm before applying. Additionally make sure you meet all other minimum requirements.

    Similar Credit Cards

    ANZ Low Rate Credit Card

    58 reviews
    $0 saved over 15 months

    NAB Low Rate Credit Card

    26 reviews
    $0 saved over 6 months
    Help us improve

    By submitting this feedback you agree to our privacy policy.

    My credit card is not listed

    By submitting this form you agree to our privacy policy.