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.
Last product change: 02 Dec 2025
Last checked: 08 Dec 2025
| Type | Rate (p.a.) | Comparison Rate (p.a.) | Duration |
|---|---|---|---|
Cash Advance | 13.99% | - | |
Calculated daily, charged monthly | |||
Purchase | 13.99% | - | |
Calculated daily, charged monthly | |||
| Billing Frequency | Details | |||
|---|---|---|---|---|
| International Transaction Fee | Transaction | 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. | ||
| Cash Advance Fee | Transaction | 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 | $5.00 | 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 | $15.00 | Payable whenever we issue you a replacement, reissue or redirection card other than by standard post at your request. | |
| 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. | |
| BPAY Withdrawal | Withdrawal | 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 | 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 | 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 | 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 | 44 days |