Bendigo Bank
Business Credit Card
Bendigo Bank · cred and chrg cards
Provider last updated this product 2026-07-29.
As a business owner, keeping track of expenses is important and can be time consuming. Get visibility of your expenses and stay in control with the Business Credit Card. You will also receive up to 44 days interest free on purchases.
Lending rates
| Type | Rate | Comparison | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| PURCHASE | 13.99% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| Calculated daily, charged monthly | |||||||
| CASH ADVANCE | 13.99% | - | OTHER | PRINCIPAL AND INTEREST | - | - | calculated daily, paid monthly |
| Calculated daily, charged monthly | |||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Late Payment Fee | LATE_PAYMENT | $15 | Payable each time you fail to pay your Minimum Repayment as stated on a statement of account by its due date. |
| Cash Advance Fee | CASH_ADVANCE | 3.00% | $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. |
| International Transaction Fee | TRANSACTION | 3.00% | 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. |
| International ATM Withdrawal | TRANSACTION | $5 | Payable whenever you make a cash withdrawal outside of Australia at a non-Bendigo Bank ATM (in addition to the Cash Advance Fee). Other financial institutions may charge you a fee for using their ATMs. This fee will be displayed at the time of the transaction and allows the customer to accept or decline the fee as shown. If using your credit card interest will be charged from the day the withdrawal is completed. |
| International ATM Inquiry | EVENT | $1.50 | Payable whenever you make a facility inquiry outside of Australia at a non-Bendigo Bank ATM. |
| Replacement Card Fee | EVENT | $15 | Payable whenever we issue you a replacement, reissue or redirection card other than by standard post at your request. |
| BPAY Withdrawal | WITHDRAWAL | 3.00% | BPAY Withdrawal – [$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. |
| Internal Transfer | TRANSACTION | 3.00% | Internal Transfer – [$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. |
| Phone Banking Transfer | TRANSACTION | 3.00% | Phone Banking Transfer – [$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. |
| Pay Anyone Transfer, Including Osko | TRANSACTION | 3.00% | Pay Anyone Transfer, Including Osko – [$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. |
| Transfer | TRANSACTION | 3.00% | Transfer – [$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 |
| EFTPOS Withdrawal | TRANSACTION | 3.00% | EFTPOS Withdrawal – [$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. |
| Bendigo Bank ATM Withdrawal | TRANSACTION | 3.00% | Bendigo Bank ATM Withdrawal – [$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. |
| Bendigo Bank ATM Transfer | TRANSACTION | 3.00% | Bendigo Bank ATM Transfer – [$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. |
| Bank@Post Withdrawal | WITHDRAWAL | $4 | - |
| Bank@Post Deposit | TRANSACTION | $4 | - |
| Bank@Post balance enquiry | TRANSACTION | $0 | When you make balance enquiry at a Bank@Post terminal in an Australia Post Office using a Bendigo Bank card, where this facility is available. |
| Retail Purchase | TRANSACTION | $0 | - |
| Direct Debit | TRANSACTION | 3.00% | Direct Debit – [$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. |
| Periodical Payment (Internal) | TRANSACTION | 3.00% | Periodical Payment (Internal) – [$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. |
| Bank Cheque Withdrawal | WITHDRAWAL | $10 | - |
| Monthly Card Fee | PERIODIC | $4 | Applies when you have a Business Credit Card linked to your Credit Card Facility. This fee is charged per card linked to the facility and is charged to the account monthly. |
| EFT Credit Transfer | TRANSACTION | $4 | - |
| Periodical Payment to Other Financial Institution | TRANSACTION | $3.75 | - |
Rate history
The figures behind this chart
| From | Until | Rate |
|---|---|---|
| 2026-08-08 | 2026-09-30 (current) | 13.99% |
Published figures as captured daily since 2026-08-08. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
Who can apply
- business
Limits
- min limit - 500.00
- max limit - 50000.00
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-07-29T04:29:38.795Z · Product ID: 602197f1-0e90-46bd-8c0b-3bced15dd31c