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Bendigo Bank Low Rate Platinum Credit Card

4 reviews

Purchase rate

11.99% p.a.

Balance transfer

N/A

Annual fee

$89 p.a.
89% Complete (success)

Pros

Low 11.99% p.a. on purchases

Mobile phone and tablet insurance protection if you lose your device or break the screen

Cons

Bendigo Bank Low Rate Platinum Credit Card

The Bendigo Bank Low Rate Platinum credit card combines a low rate of 11.99% p.a. on purchases and handy benefits like Mobile phone and tablet insurance protection if you lose your device or break the screen. The annual card fee is $89 and you pay no fees for additional cardholders.

Key features

  • Purchase interest rate of 11.99% p.a.
  • $89 annual fee
  • No fee for additional cardholders
  • Up to 55 days interest free on purchases
  • Mobile phone and tablet insurance protection if you lose your device or break the screen
  • 90 day purchase protection on lost, stolen or accidentally damaged purchases
  • Extended warranty on purchases
75% of customers who have rated this card would recommend it
  • Rates
    45%
  • Fees
    70%
  • Rewards
    N/A
  • Customer Service
    62%
  • Value
    60%
Overall user rating 54%
4 reviews

71% Visitor

You pay a low annual fee plus you get rewards – great combination IMO. Easy to earn points, and a great choice of rewards. Only downside is high interest. Make sure you don’t leave the balance unpaid from month to month and you’ll be fine.

Recommends this card

Interest Rates
Purchase rate 11.99% p.a.
Cash advance rate 13.99% p.a.
Interest free on purchases up to 55 days
Balance Transfer
Credit limits
Minimum credit limit $3,000
Maximum credit limit N/A
Fees & repayments
Annual fee $89 p.a.
Additional cardholder fee $0 p.a.
Cash advance fee 0.5%
Foreign transaction fee 3%
Minimum repayment 3%
Late payment fee $15
Credit card type Mastercard
Complimentary insurance
Flight inconvenience insurance No
Transport accident cover No
Smartphone screen insurance Yes
Purchase protection insurance Yes
Extended warranty insurance Yes
Rental vehicle excess cover No
Extras
Eligible with Google Pay, Apple Pay, Samsung Pay, Fitbit Pay and Garmin Pay

The Bendigo Bank Low Rate Platinum Credit Card

When comparing credit cards, it’s a good idea to think about what you actually want in a card – and what you are willing to pay for it. While for some people saving money is the most important factor, for others, features and extras are where it’s at.

For the most part, you will find cards either offer you the ability to keep costs low, or they offer you extras such as features and rewards. Now and then, however, you may just find a card that offers you the best of both worlds.

Offering a low rate and a nice selection of features, the Bendigo Bank Low Rate Platinum Credit Card is one such card. So, if you want to save on interest while enjoying some very handy extras, this card could indeed be the credit card for you.

What we love...

Having reviewed one or two platinum credit cards in our time, at creditcard.com.au, we know platinum perks can be wide-ranging. Some platinum cards are simply stuffed with perks, while others offer just one or two select extras.

As this is a low rate card – with a relatively low annual fee – you know that the Bendigo Bank Low Rate Platinum Credit Card keeps things simple. So, what do you get in the way of platinum perks on this card?

One of the big ticket features on this card is its mobile phone and tablet insurance, allowing you to make a claim if you lose your device or break its screen. Bear in mind that to be eligible for this protection, you need to either use your card to buy the device outright, or pay with installments on your card.

Other useful extras on the Bendigo Bank Low Rate Platinum Credit Card include extended warranty on purchases, best price guarantee, and 90 day purchase protection, helping to give you some extra peace of mind when using your card.

Of course, what makes these extras special is the fact that you’re not paying through the nose to enjoy them. Unlike certain other platinum cards, the Bendigo Bank Low Rate Platinum Credit Card has a super low rate of interest on purchases, and it has an affordable annual fee.

What’s not so great...

Any time a credit card offers you extra protection in the form of insurance, it’s a good idea to check the small print before you rely on its cover.

For example, the mobile phone and tablet insurance on this card has a limit of $200 on screen breakage, and there is an excess of $50 on all claims made. Similarly, if you want to take advantage of the card’s extended warranty or purchase protection, you will have to pay an excess of $250 for each claim.

Why should you choose this card?

Needless to say, the Bendigo Bank Low Rate Platinum Credit Card has plenty to offer. As a cardholder, you can benefit from an affordable annual fee and a low rate purchase rate, with up to 55 days interest free on purchases.

You can also take advantage of 24/7 fraud monitoring and no liability for unauthorised transactions, no fees for additional cardholders and a low platinum card minimum credit limit of $3,000. And of course, your card has in-built contactless payment technology, and is accepted at more than 43 million locations worldwide.

Overall Rating

An affordable platinum option with a low purchase rate and relatively low annual fee, offering a decent array of platinum perks, including mobile and tablet insurance, purchase protection and extended warranty.

11 questions (showing the latest 10 Q&As)

ravishu bawa

ravishu bawa

15 February 2018
hey!!! I am the international student... with the monthly salary of $4000..... just wanna a Credit Card with the limit of around $4000-$5000.... What will u Suggest ? Thanks :)
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    16 February 2018
    Hi Ravishu, it can be hard on your visa type to get approved for a credit card. I Would look at the big4 banks, CBA, ANZ, NAB or Westpac. I would suggest that you speak to your everyday bank as well where your pay is deposited and see if they can assist you with a card.
Jonathan Williams

Jonathan Williams

23 December 2017
Am I eligible
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    28 December 2017
    Hi Jonathan, you need to be over 18, be a permanent resident or citizen and have good credit to apply.
Charlie Raymond

Charlie Raymond

16 November 2017
DO you know what the points earning rate is for Government charges and ATO payments?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    17 November 2017
    Hi Charlie, I believe there is no points earnt with the ATO for Bendigo Bank credit cards
Helen

Helen

12 July 2017
Can you use Bpay( future payments etc) on this Visa card? Or is that a basic feature of all Visa cards or just some banks? thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    13 July 2017
    Hi Helen, its a basic feature. In the end it will depend on the institution that you are paying with bpay whether they accept or not through credit cards. Some will not accept bpays from credit cards.
Derek Rogger DeBono

Derek Rogger DeBono

28 January 2017
when will I get a reply saying if I am accepted
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    30 January 2017
    Hi Derek, it typically takes banks 5-10 working days to process an application. I personally have not had much dealings with Bendigo. You can give there customer service a call to check up on it 1300 236 344
Liahona Taupau

Liahona Taupau

2 January 2017
How can I apply for visa card please?
Karene Levi

Karene Levi

22 December 2016
I need to apply credit card plx
Kieron

Kieron

29 November 2016
What is the maximum amount accessible to use on this card?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    30 November 2016
    Hi Kieron, there is no defined maximum limit for this card.
Julie

Julie

25 February 2016
Can the points be converted to Qantas or virgin frequent flyer points? If so what is the conversion rate ?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    26 February 2016
    Hi Julie - here is a link to the rewards program - https://rewards.bendigobank.com.au/ - this gives you full details of what you can redeem points for. As far as I can see there is no way to convert to flyer points. If you want to earn these types of points check out our frequent flyer section as there are some great offers available.
robyn hunt

robyn hunt

16 April 2015
Are disability pensioners / family tax benefit with a owned house n car as a assett entitled to get a credit card . I only need a 1500$ catd for emergency items . Breakdowns etc . I do have 2 defaults as im aware of at moment now wich are veey old but were living with someone that dident pay there way but bills were in my name over 9-10 year ago . Pls reply rhankyou robyn
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    19 April 2015
    Hi Robyn, I would give Bendigo bank a call directly to discuss. 1300 BENDIGO (1300 236 344) / +61 3 5445 0666
Nathelia James

Nathelia James

1 December 2014
Do I have bad credit with use
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    2 December 2014
    HI Nathelia - not completely sure of your question. If you have bad credit, it is very difficult to get a credit card in Australia. If you are asking, will a credit card give me bad credit, then if you use it wisely a credit card can be a great resource. Different types of defaults paid or unpaid will effect your ability to get a credit card differently.
  • Be over 18 years old
  • Good credit and not applied for multiple credit cards recently
  • Resident or citizen of Australia
  • You have your personal details ready to complete the online application
Bendigo Bank Low Rate Platinum Credit Card
Bendigo Bank Low Rate Platinum Credit Card

Bendigo Bank Low Rate Platinum Credit Card

Updated 18 June 2019

Purchase Rate (p.a)

11.99%

Balance Transfer (p.a)

N/A  

Annual Fee (p.a)

$89

$0

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • Low 11.99% p.a. on purchases
  • Mobile phone and tablet insurance protection if you lose your device or break the screen

    Creditcard.com.au review

    Editor Review

    The Bendigo Bank Low Rate Platinum Credit Card

    When comparing credit cards, it’s a good idea to think about what you actually want in a card – and what you are willing to pay for it. While for some people saving money is the most important factor, for others, features and extras are where it’s at.

    For the most part, you will find cards either offer you the ability to keep costs low, or they offer you extras such as features and rewards. Now and then, however, you may just find a card that offers you the best of both worlds.

    Offering a low rate and a nice selection of features, the Bendigo Bank Low Rate Platinum Credit Card is one such card. So, if you want to save on interest while enjoying some very handy extras, this card could indeed be the credit card for you.

    What we love...

    Having reviewed one or two platinum credit cards in our time, at creditcard.com.au, we know platinum perks can be wide-ranging. Some platinum cards are simply stuffed with perks, while others offer just one or two select extras.

    As this is a low rate card – with a relatively low annual fee – you know that the Bendigo Bank Low Rate Platinum Credit Card keeps things simple. So, what do you get in the way of platinum perks on this card?

    One of the big ticket features on this card is its mobile phone and tablet insurance, allowing you to make a claim if you lose your device or break its screen. Bear in mind that to be eligible for this protection, you need to either use your card to buy the device outright, or pay with installments on your card.

    Other useful extras on the Bendigo Bank Low Rate Platinum Credit Card include extended warranty on purchases, best price guarantee, and 90 day purchase protection, helping to give you some extra peace of mind when using your card.

    Of course, what makes these extras special is the fact that you’re not paying through the nose to enjoy them. Unlike certain other platinum cards, the Bendigo Bank Low Rate Platinum Credit Card has a super low rate of interest on purchases, and it has an affordable annual fee.

    What’s not so great...

    Any time a credit card offers you extra protection in the form of insurance, it’s a good idea to check the small print before you rely on its cover.

    For example, the mobile phone and tablet insurance on this card has a limit of $200 on screen breakage, and there is an excess of $50 on all claims made. Similarly, if you want to take advantage of the card’s extended warranty or purchase protection, you will have to pay an excess of $250 for each claim.

    Why should you choose this card?

    Needless to say, the Bendigo Bank Low Rate Platinum Credit Card has plenty to offer. As a cardholder, you can benefit from an affordable annual fee and a low rate purchase rate, with up to 55 days interest free on purchases.

    You can also take advantage of 24/7 fraud monitoring and no liability for unauthorised transactions, no fees for additional cardholders and a low platinum card minimum credit limit of $3,000. And of course, your card has in-built contactless payment technology, and is accepted at more than 43 million locations worldwide.

    Overall Rating

    An affordable platinum option with a low purchase rate and relatively low annual fee, offering a decent array of platinum perks, including mobile and tablet insurance, purchase protection and extended warranty.

    User reviews

    Bendigo Bank Low Rate Platinum Credit Card ( based on 4 Creditcard.com.au user reviews )

    54% rating based on 4 reviews

    Rates
    Fees
    Rewards
    Customer Service
    Value
    71%

    Creditcard.com.au Visitor

    28 January 2013

    You pay a low annual fee plus you get rewards – great combination IMO. Easy to earn points, and a great choice of rewards. Only downside is high interest. Make sure you don’t leave the balance unpaid from month to month and you’ll be fine.

    Recommends this card

    Rates and fees

    Interest rates

    Purchase rate 11.99% p.a.

    Cash advance rate 13.99% p.a.

    Interest free on purchases up to 55 days

    Credit limits

    Minimum credit limt $3,000

    Maximum credit limit N/A

    Fees & repayments

    Annual fee $89 p.a.

    Additional card holder fee $0 p.a.

    Foreign transaction fee 3%

    Minimum repayment 3%

    Cash advance fee 0.5%

    Late payment fee $15

    Additional features

    Complimentary insurance

    Overseas travel insurance No

    Flight inconvenience insurance No

    Transport accident cover No

    Smartphone screen insurance Yes

    Purchase protection insurance Yes

    Extended warranty insurance Yes

    Rental vehicle excess cover No

    Extras

    Eligible with Google Pay, Apple Pay, Samsung Pay, Fitbit Pay and Garmin Pay

    Overview

    Bendigo Bank Low Rate Platinum Credit Card

    The Bendigo Bank Low Rate Platinum credit card combines a low rate of 11.99% p.a. on purchases and handy benefits like Mobile phone and tablet insurance protection if you lose your device or break the screen. The annual card fee is $89 and you pay no fees for additional cardholders.

    Key features

    • Purchase interest rate of 11.99% p.a.
    • $89 annual fee
    • No fee for additional cardholders
    • Up to 55 days interest free on purchases
    • Mobile phone and tablet insurance protection if you lose your device or break the screen
    • 90 day purchase protection on lost, stolen or accidentally damaged purchases
    • Extended warranty on purchases

    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

    • 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.

    11 questions (showing the latest 10 Q&As)

    ravishu bawa

    ravishu bawa

    15 February 2018
    hey!!! I am the international student... with the monthly salary of $4000..... just wanna a Credit Card with the limit of around $4000-$5000.... What will u Suggest ? Thanks :)
      Roland B Bleyer - CreditCard.com.au Founder

      Roland

      16 February 2018
      Hi Ravishu, it can be hard on your visa type to get approved for a credit card. I Would look at the big4 banks, CBA, ANZ, NAB or Westpac. I would suggest that you speak to your everyday bank as well where your pay is deposited and see if they can assist you with a card.
    Jonathan Williams

    Jonathan Williams

    23 December 2017
    Am I eligible
      Roland B Bleyer - CreditCard.com.au Founder

      Roland

      28 December 2017
      Hi Jonathan, you need to be over 18, be a permanent resident or citizen and have good credit to apply.
    Charlie Raymond

    Charlie Raymond

    16 November 2017
    DO you know what the points earning rate is for Government charges and ATO payments?
      Roland B Bleyer - CreditCard.com.au Founder

      Roland

      17 November 2017
      Hi Charlie, I believe there is no points earnt with the ATO for Bendigo Bank credit cards
    Helen

    Helen

    12 July 2017
    Can you use Bpay( future payments etc) on this Visa card? Or is that a basic feature of all Visa cards or just some banks? thanks
      Roland B Bleyer - CreditCard.com.au Founder

      Roland

      13 July 2017
      Hi Helen, its a basic feature. In the end it will depend on the institution that you are paying with bpay whether they accept or not through credit cards. Some will not accept bpays from credit cards.
    Derek Rogger DeBono

    Derek Rogger DeBono

    28 January 2017
    when will I get a reply saying if I am accepted
      Roland B Bleyer - CreditCard.com.au Founder

      Roland

      30 January 2017
      Hi Derek, it typically takes banks 5-10 working days to process an application. I personally have not had much dealings with Bendigo. You can give there customer service a call to check up on it 1300 236 344
    Liahona Taupau

    Liahona Taupau

    2 January 2017
    How can I apply for visa card please?
    Karene Levi

    Karene Levi

    22 December 2016
    I need to apply credit card plx
    Kieron

    Kieron

    29 November 2016
    What is the maximum amount accessible to use on this card?
      Roland B Bleyer - CreditCard.com.au Founder

      Roland

      30 November 2016
      Hi Kieron, there is no defined maximum limit for this card.
    Julie

    Julie

    25 February 2016
    Can the points be converted to Qantas or virgin frequent flyer points? If so what is the conversion rate ?
      Roland B Bleyer - CreditCard.com.au Founder

      Roland

      26 February 2016
      Hi Julie - here is a link to the rewards program - https://rewards.bendigobank.com.au/ - this gives you full details of what you can redeem points for. As far as I can see there is no way to convert to flyer points. If you want to earn these types of points check out our frequent flyer section as there are some great offers available.
    robyn hunt

    robyn hunt

    16 April 2015
    Are disability pensioners / family tax benefit with a owned house n car as a assett entitled to get a credit card . I only need a 1500$ catd for emergency items . Breakdowns etc . I do have 2 defaults as im aware of at moment now wich are veey old but were living with someone that dident pay there way but bills were in my name over 9-10 year ago . Pls reply rhankyou robyn
      Roland B Bleyer - CreditCard.com.au Founder

      Roland

      19 April 2015
      Hi Robyn, I would give Bendigo bank a call directly to discuss. 1300 BENDIGO (1300 236 344) / +61 3 5445 0666
    Nathelia James

    Nathelia James

    1 December 2014
    Do I have bad credit with use
      Roland B Bleyer - CreditCard.com.au Founder

      Roland

      2 December 2014
      HI Nathelia - not completely sure of your question. If you have bad credit, it is very difficult to get a credit card in Australia. If you are asking, will a credit card give me bad credit, then if you use it wisely a credit card can be a great resource. Different types of defaults paid or unpaid will effect your ability to get a credit card differently.

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