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.
Category: Credit and Charge Cards Last Updated October 3, 2023 Effective May 3, 2024
General Lending Rates
Rates listed below are for a product. Additional Information
Interest Rate NA PA
Comparison Rate NAPA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
, CASH_ADVANCE, 19.99%
Lending Rate Type: Cash Advance
Interest Rate: 19.99%, Comparison Rate 0.00%
Repayment Type:
Loan Purpose:
Product Features
Digital Wallet
Additional Cards
Product Eligibility
Min Age - 18. Additional Information: Additional cardholders must be 16 years of age
Residency Status - Must Be Australian Resident .
Natural Person
Bank Fees and Charges
Annual Fee (Periodic), Amount: 59.000000.
International Transaction Fee (Transaction), Amount: Not Listed.. Additional Information: 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), Amount: Not Listed.. Additional Information: 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 (Event), Amount: 15.000000. Additional Information: Payable each time you fail to pay your Minimum Repayment as stated on a Statement of Account by its due date.
Cash Advance Fee (Withdrawal), Amount: Not Listed.. Additional Information: 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 Withdrawal (Event), Amount: 5.000000. Additional Information: Payable whenever you make a cash withdrawal outside of Australia at a non-Bendigo Bank ATM (in addition to the Cash Advance Fee.
International Atm Inquiry (Event), Amount: 1.500000. Additional Information: Payable whenever you make an Account inquiry outside of Australia at a non-Bendigo Bank ATM.
Replacement Card Fee (Event), Amount: 15.000000. Additional Information: Payable whenever we issue you a replacement, reissue or redirection card other than by standard post at your request.
Bank@post Withdrawal (Withdrawal), Amount: 4.000000. Additional Information: At time of transaction.
Bank@post Deposit (Transaction), Amount: 4.000000. Additional Information: At time of transaction.
Bank Cheque Withdrawal (Withdrawal), Amount: 10.000000. Additional Information: At time of transaction.
Eft Credit Transfer (Transaction), Amount: 4.000000. Additional Information: At time of transaction.
Periodical Payment By Cheque (Withdrawal), Amount: 3.750000. Additional Information: At time of transaction.
Periodical Payment To Other Financial Institution (Transaction), Amount: 3.750000. Additional Information: At time of transaction.
