Bendigo Credit Cards Compare Rewards, Rates & Perks
Choose Bendigo Credit Cards for unmatched community support, competitive rates, and unique perks.
Calculate your rewards
See which cards could give you the most value based on your spending.
Credit Card
- Bonus Offer
- Points Per $
- Annual Fee
- Net Rewards
Bendigo Platinum Rewards
- Bonus Offer -
- Points Per $ 1.5 pts
- Annual Fee $89
- Net Rewards $-
Breakdown of Yearly Net Value
Year 1: -$89$0
Signup Bonus$0 Point Earn$89
Annual FeeYear 2: -$89$0 Signup Bonus$0 Point Earn$89 Annual FeeTotal Net Value -$89Total Net Value -$89
Bendigo Platinum Rewards
- CashbackCashbackTravel InsuranceInternational Travel InsuranceShopping ProtectionPurchase ProtectionMobile PayApple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin PayEntertainmentMastercard Priceless
Purchase Interest Rate: 19.99% p.a.
Minimum Credit Limit: $3,000
Annual Fee: $89
Additional Cardholders: No fee for additional cardholder
Interest Free Days: 55 days
Minimum Repayment: Greater of $10 or 3% of the closing balance
Cash Advance Rate: 21.99% p.a.
Late Payment Fee: $15
Purchase Protection: Yes
Entertainment: Mastercard Priceless
Mobile Pay: Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Travel Insurance: International Travel Insurance
Point Earning Limit: Uncapped
Points Per $1 Spend: 1.5 Bendigo Bank Rewards points
Redeem Points: 18,520 Bendigo Bank Rewards points can get you a $50 gift card.
Bendigo Qantas Platinum
- Bonus Offer -
- Points Per $ 0.6 pts
- Annual Fee $149
- Net Rewards $-
Breakdown of Yearly Net Value
Year 1: -$149$0 Signup Bonus$0 Point Earn$149 Annual FeeYear 2: -$149$0 Signup Bonus$0 Point Earn$149 Annual FeeTotal Net Value -$149Total Net Value -$149
Bendigo Qantas Platinum
- Frequent Flyer PointsFrequent Flyer PointsTravel ServicesFree Qantas Frequent Flyer membershipTravel InsuranceInternational Travel InsuranceShopping ProtectionPurchase ProtectionMobile PayApple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin PayEntertainmentMastercard Priceless
Purchase Interest Rate: 19.99% p.a.
Minimum Credit Limit: $3,000
Annual Fee: $149
Additional Cardholders: No fee for additional cardholder
Interest Free Days: 55 days
Minimum Repayment: Greater of $10 or 3% of the closing balance
Cash Advance Rate: 21.99% p.a.
Late Payment Fee: $15
Purchase Protection: Yes
Entertainment: Mastercard Priceless
Mobile Pay: Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Travel Insurance: International Travel Insurance
Travel Services: Free Qantas Frequent Flyer membership
Point Earning Limit: Capped
Points Per $1 Spend: 0.6 Qantas points capped at 20,000 Qantas points per statement period.
Redeem Points: 5,700 Qantas points can fly you from Sydney to Gold Coast (one way) plus taxes, fees and carrier charges. 10,030 Qantas points can get you a $50 gift card.
Credit Card
- Rate
- Rate Offer
- Annual Fee
- BT Offer
- Min Income
Bendigo Bright
- Rate 11.99%
- Rate Offer -
- Annual Fee $59
- BT Offer -
- Min Income -
Bendigo Bright
- Mobile PayApple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin PayEntertainmentMastercard Priceless
Purchase Interest Rate: 11.99% p.a.
Minimum Credit Limit: $1,000
Annual Fee: $59
Additional Cardholders: No fee for additional cardholder
Interest Free Days: 55 days
Minimum Repayment: Greater of $10 or 3% of the closing balance
Cash Advance Rate: 19.99% p.a.
Late Payment Fee: $15
Mobile Pay: Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Entertainment: Mastercard Priceless
Bendigo Ready
- Rate 19.99%
- Rate Offer -
- Annual Fee $0
- BT Offer -
- Min Income -
Bendigo Ready
- No Foreign Transaction Fees
- Travel InsuranceInternational Travel InsuranceShopping ProtectionPurchase ProtectionMobile PayApple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin PayEntertainmentMastercard Priceless
Purchase Interest Rate: 19.99% p.a.
Minimum Credit Limit: $3,000
Annual Fee: $0
Additional Cardholders: No fee for additional cardholder
Interest Free Days: 55 days
Minimum Repayment: Greater of $10 or 3% of the closing balance
Cash Advance Rate: 19.99% p.a.
Late Payment Fee: $15
No Foreign Transaction Fees: Yes
Mobile Pay: Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Purchase Protection: Yes
Entertainment: Mastercard Priceless
Travel Insurance: International Travel Insurance
Bendigo Platinum Rewards
- Rate 19.99%
- Rate Offer -
- Annual Fee $89
- BT Offer -
- Min Income -
Bendigo Platinum Rewards
- CashbackCashbackTravel InsuranceInternational Travel InsuranceShopping ProtectionPurchase ProtectionMobile PayApple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin PayEntertainmentMastercard Priceless
Purchase Interest Rate: 19.99% p.a.
Minimum Credit Limit: $3,000
Annual Fee: $89
Additional Cardholders: No fee for additional cardholder
Interest Free Days: 55 days
Minimum Repayment: Greater of $10 or 3% of the closing balance
Cash Advance Rate: 21.99% p.a.
Late Payment Fee: $15
Purchase Protection: Yes
Entertainment: Mastercard Priceless
Mobile Pay: Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Travel Insurance: International Travel Insurance
Bendigo Credit Cards Guide
How We Rank the Bendigo Rewards Cards
At Kredmo, we use a data-driven Value Methodology to rank every card on this page:
-
Sign-Up Bonus Impact: We analyze the true value of 100k+ bonus point or cash-back offers after meeting minimum spend. -
Points Weighted Earn Rate: We calculate the "dollar per points" value from from actual aveage Australian household spending splits (e.g., 35% Groceries, 15% Fuel, 20% Utilities) to show to best estimate what you could earn. -
Capped and Uncapped Points: We calculate the earn rate caps or "Tiered Earn Rates" for cards with both spending amount maximums and point earning maximums. -
Redeem Points Dollar Value: We calculate the dollar value from earned rewards points for reach rewards program for each redeem category cash back, gifts cards, domestic and international flights. -
Cost Efficiency: We factor in the cost of the annual fee so to evaluate whether your rewards earned outweigh the annual fee or not to reveal the Year 1 Net Profit. Ensuring your rewards are an asset, not an expense.
How Kredmo Calculates Your Net Rewards $ Value
At Kredmo, we believe transparency is the key to choosing the right credit card. Our Net Rewards $ Value is a data-driven estimate of the net Rewards financial benefit you could receive during your first year of card membership.
We use a specific three-step formula to convert complex bonus points or cashback offers into a clear dollar figure:
1Sign-Up Bonus Valuation: We convert the headline bonus points (e.g., 100,000 points) into a dollar value based on a conservative redemption average of 0.5 to 1.0 cents per point. This represents the standard "floor value" for redemptions like digital gift cards and cashback in the Australian market.- 2Annual Spend Projections: We calculate the points earned from your projected annual spending based on the card's specific earn rate (e.g., 1.25 points per $1 spent). We then convert
these points into their equivalent dollar value to show what your "monthly" spending is actually worth. - 3The 'Net Value' Deduction: To find the final figure, we subtract the first-year annual fee from the total sum of points and cash back expected to be earned. The resulting Rewards $ Value shown in our table represents your true "New Rewards $ Value"—in terms of Reward points and cash back of the value you receive after the card has paid for itself.Note: Our calculations assume you pay your statement balance in full each month. Because rewards credit cards carry high interest rates (often 20% p.a. or more), interest charges are not factored into this value as they would quickly negate the benefits earned.
Trust!Why Trust
Why Trust
Kredmo?
-
80+ Cards Compared: We track over 20+ Australian providers to give you a full market view, not a filtered one. -
User-First Logic: Our rankings are built on data-driven “Value Methodology,” not whether we have a partnership with provider or not. -
Total Independence: We show you the best credit cards currently available in the Australian market and give you the tools to make the best decision for your unique financial journey. -
Licensed: We operate under ACL 518788.