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.
Last product change: 25 Nov 2025
Last checked: 08 Dec 2025
| Billing Frequency | Details | |||
|---|---|---|---|---|
| Annual fee | Periodic | $59.00 | P1Y | null |
| International Transaction Fee | Transaction | 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 | 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 | $15.00 | 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 | 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 | $15.00 | Payable whenever we issue you a replacement, reissue or redirection card other than by standard post at your request. | |
| Bank@Post balance enquiry | Transaction | $0.00 | 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 | 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 | 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. |
| Additional Cards | 99 additional cards |
| Interest Free Period | 55 days |