Bendigo Bank
Bendigo Bright Credit Card
Bendigo Bank · cred and chrg cards
Provider last updated this product 2026-09-17.
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You'll complete your application on
Bendigo Bank's website. Confirm the rate and fees with them
before applying.
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.
Lending rates
| Type | Rate | Comparison | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| CASH ADVANCE | 19.99% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| PURCHASE | 11.99% | - | OTHER | UNCONSTRAINED | - | - | calculated daily, paid monthly |
| BALANCE TRANSFER | 19.99% | - | OTHER | UNCONSTRAINED | - | - | calculated daily, paid monthly |
| A balance transfer is when you transfer all or part of your credit card balance from another bank to a Bendigo Bank credit card. | |||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Annual Fee | PERIODIC | $59 | - |
| International Transaction Fee | TRANSACTION | 3.00% | 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. |
| Balance Transfer Fee | EVENT | 2.00% | 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. |
| 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% | 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. |
| International ATM Inquiry | TRANSACTION | $1.50 | Payable whenever you make an Account 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. |
| 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. |
| 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. |
| 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. |
| Periodical Payment to Other Financial Institution | TRANSACTION | $3.75 | - |
| Bank@Post Withdrawal | WITHDRAWAL | $4 | - |
| 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. |
| 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. |
| 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. |
| Bank@Post Deposit | TRANSACTION | $4 | - |
| 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. |
| 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 |
| 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. |
| 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. |
| Bank Cheque Withdrawal | WITHDRAWAL | $10 | - |
| Cash Withdrawal | WITHDRAWAL | 3.00% | Cash 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. |
| Retail Purchase | TRANSACTION | $0 | - |
| EFT Credit Transfer | TRANSACTION | $4 | - |
| 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. |
| 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. |
Rate history
The figures behind this chart
| From | Until | Rate |
|---|---|---|
| 2026-07-15 | 2026-09-30 (current) | 11.99% |
Published figures as captured daily since 2026-07-15. 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
- min age - 18Additional cardholders must be 16 years of age
- residency status - Must be Australian Resident
- natural person
Limits
- min limit - 1000.00
- max limit - 30000.00
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: 2026-09-17T01:11:10.856Z · Product ID: aab92b58-4260-4b57-8f7f-5e448805b766