Platinum Rewards Credit Card
Platinum Rewards Credit Card lets you earn points as you shop, which you can redeem online for a huge range of goods and services. With a range of added insurances, purchase protections, plus access to Mastercard Priceless Cities exclusive experiences and special offers, it's the only card you'll need. Plus you'll receive up to 55 days interest free on purchases.
- Purchase rate
- 19.99%
- Annual fee
- $89.00
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Purchase Calculated daily, charged monthly | 19.99% | — | — |
| Cash advance Calculated daily, charged monthly | 21.99% | — | — |
| Balance transfer | 21.99% | — | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Annual fee Charged yearly · Payable on the day before we issue the first Statement of Account for your Account and annually thereafter. | Ongoing | $89.00 |
| International Transaction Fee International Transaction Fee – [3% of the Transaction amount (in AUD)] An International Transaction Fee of 3% of the Transaction amount (in AUD) payable for each Transaction which is conducted in a currency other than Australian dollars (AUD) or in Australian dollars (AUD) but with or using a merchant, payment processor, financial institution or other entity (including an online merchant) who is outside of Australia. Note: It may not always be apparent to you that an online merchant is located outside of Australia. | Transaction | 3% of transaction |
| Balance Transfer Fee Balance Transfer Fee – [2% of the balance transferred] Payable each time we agree to transfer the balance owing by you in respect of a different credit card facility to your Bendigo Bank Credit Card as a Promotional Balance Transfer. | Event | 2% of transaction |
| Late Payment Fee Payable each time you fail to pay your Minimum Repayment as stated on a Statement of Account by its due date. | Late payment | $15.00 |
| Cash Advance Fee Cash Advance Fee – [$3.00 or 3% of Transaction amount, whichever is greater] Payable each time we provide credit in the form of cash or you perform a Transaction we treat as being equivalent to cash. |
Features
- Digital wallet — With Bendigo Bank you can turn your phone or smart watch into your wallet.
- A Wallet includes but is not limited to Google Pay, Samsung Pay, Apple Pay or Garmin Pay, if and when they are available to our customers.
- Additional cards — up to 99
- Loyalty program — Bendigo Bank Rewards
- Earn 1.5 Bendigo Bank Rewards points for every dollar spent
- Insurance included — International Travel Insurance
- Up to 3 consecutive months international insurance cover when at least $500 of prepaid travel costs are purchased using your card. Terms, conditions, limits and exclusions apply, refer to link below for further information.
- Insurance included — Extended Warranty Insurance
- Cover is activated when you purchase the full value of the covered item with your card
- Insurance included
Eligibility
- Minimum age — 18 yearsAdditional cardholders must be 16 years old
- Individuals only
- Residency status — Must be an Australian Resident
Constraints
- Minimum limit — $3,000.00
- Maximum limit — $50,000.00
More Information
Published by Bendigo Bank under the Consumer Data Right · Last updated 13 July 2026 · Product ID 4550220b-7b80-4c6a-a446-221e42453768 · View on CDR.gov.au