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Bendigo Bright Credit Card
Bendigo Bright Credit Card

Bendigo Bank Credit Cards

Bendigo Bright Credit Card

Updated 29 October 2023

The Bendigo Bright is a low-rate credit card that charges 9.99% interest (compared to the average interest rate of 19.95%). That’s handy if you think you won’t pay off your card each month or need extra time to pay off your balances. Enjoy up to 55 days interest-free period and low annual fee of $59.

Purchase Rate (p.a)


Balance Transfer (p.a)


Annual Fee (p.a)


$0 over 99 months

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • Low interest rate of 9.99%
  • Low $59 annual fee
  • Minimum credit limit of $1,000
  • Syncs with digital wallets

  • A basic card with very few extras such as rewards and insurance
  • Interest on cash advances is 19.99% plus a 3% or $3 cash advance fee (whichever is greater)
  • 3% international transaction fee review

Editor Review

Bendigo Bright Credit Card

Pauline Hatch
Pauline is a personal finance expert at, with 8 years in money, budgeting and property reporting under her belt. about this card.

The Bendigo Bank Bright Credit Card

The Bendigo Bright credit card is a bit like Marge Simpson: uncomplicated but helpful, there when you need it, and sporting a primary-coloured hair-do (just think more orange, less blue). Let’s break down the Bendigo Bright so you can decide if it’s a good match.

What we love…

The simplicity (and cheapness). Bendigo Bright Credit Card could be a suitable choice for individuals who are specifically looking for a simple, reliable way to access a few extra dollars without a ton of bells and whistles that would otherwise bump up the annual fee.

The low interest rate. While the best way to use a credit card is to pay it off each month, there are times when this is not possible, and you end up accruing interest on the balance you still owe. The Bendigo Bright’s 9.99% interest rate is one of the lowest on the market, so it may be worth considering if you anticipate carrying a balance from month to month. This could give you a bit of a ‘safety net’ that can be helpful if you’re still learning to manage a credit card.

The low credit limit. This card offers a low minimum credit limit of $1000, making it a practical option if you are looking for "rainy day" security funds to keep in your back pockets. Since you can set the limit at its lowest to prevent overspending, it might also be a good first-timer card.

What’s not so great…

The Bendigo Bright doesn’t have extra tricks up its sleeve, which makes it a pretty straightforward card. Like all cards, it does have its fees (but nothing outrageous).

For instance:

  • Cash advances (where you withdraw money from the card) are charged at 19.99% interest
  • If you’re late on repayments you’ll pay a $15 fee
  • Purchases you make overseas (including online) are charged a 3% foreign transaction fee

Other features

  • Bendigo Bank has an app called My Bank, where you can activate your card, manage your account and instantly block your card if it’s lost or stolen.
  • Bendigo Bank cards can sync with Apple Pay, Samsung Pay, Google Pay, Garmin Pay and Fitbit Pay for Tap & Go payments from your phone or watch.
  • It uses Mastercard Identity Check, Visa Secure and eftpos Secure to protect you from fraudulent purchases online.

Why should you choose this card?

The Bendigo Bright is a nifty little number with some great perks (the low interest rate being a big one). It’s designed to be a low-cost, easy-to-use credit card that could suit a number of situations where you might want emergency cash, a first card or a simple way to pay for some purchases.

User reviews

Bendigo Bright Credit Card ( based on 0 user reviews )

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Customer Service

Rates and fees

Interest rates

Purchase rate 9.99% p.a.

Cash advance rate 19.99% p.a.

Interest free period on purchases up to 55 days

Balance transfer

Balance transfer rate 19.99% p.a. for 99 months

Balance transfer revert rate 19.99% p.a.

Balance transfer from personal loan N/A

Balance transfer fee No fee

Balance transfer limit 80% of approved credit limit

Brands you can't balance transfer from Bendigo Bank

Credit limits

Minimum credit limit $1000

Maximum credit limit $30,000

Fees & repayments

Annual fee $59 p.a.

Additional cardholder fee N/A

Foreign transaction fee 3%

Minimum repayment $10 or 3%, whichever is greater

Cash advance fee $3.00 or 3% of the transaction amount, whichever is greater

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


Bendigo Bright Credit Card

Key features

  • Low interest rate of 9.99%
  • $59 annual fee
  • Up to 55 days interest-free on purchases
  • 24/7 fraud monitoring
  • Syncs with digital wallets
  • Low minimum credit limit of $1000

Minimum criteria to apply for this card

  • Be over 18 years old

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

  • You must be an Australian citizen or have applied for permanent residency with visa subclasses 188, 489, 491, 494 and 482 (short term stream not included), and with minimum 12 months remaining

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


Pauline is a personal finance expert at, with 8 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger

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