Bendigo Bright Credit Card
All the security and convenience you’d expect, a low annual fee and one of the lowest interest rates around make our Bendigo Bright Credit Card the ideal card for your every day purchases. You will also receive up to 55 days interest free on purchases.
- Purchase rate
- 11.99%
- Annual fee
- $59.00
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Purchase | 11.99% | — | — |
| Cash advance | 19.99% | — | — |
| Balance transfer | 19.99% | — | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Annual fee Charged yearly | Ongoing | $59.00 |
| 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. | Cash advance |
Features
- Digital wallet — With Bendigo Bank you can turn your phone or smart watch into your wallet.
- Additional cards — up to 99
- Interest-free period — 55 days
- Up to 55 days interest free
- Balance transfers — 19.99%
- A balance transfer is when you transfer all or part of your credit card balance from another bank to a Bendigo Bank credit card.
Eligibility
- Minimum age — 18 yearsAdditional cardholders must be 16 years of age
- Residency status — Must be Australian Resident
- Individuals only
Constraints
- Minimum limit — $1,000.00
- Maximum limit — $30,000.00
More Information
Published by Bendigo Bank under the Consumer Data Right · Last updated 9 July 2026 · Product ID aab92b58-4260-4b57-8f7f-5e448805b766 · View on CDR.gov.au · View Source Data (JSON)