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Credit Cards > Choosing the Right Credit Card
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Credit Card Types
Choosing the Right Credit Card for You
A credit card should make your life easier by providing easy access to funds when you need to make a purchase. But it should also suit your needs and lifestyle.
Do you pay your credit card balance in full each month? Do you want a low ongoing interest rate? Do you want to be rewarded for using your credit card? Do you want an interest free period – up to 55 days? Do you prefer a Visa or MasterCard? Whatever your needs, Bendigo Bank has the credit card for you.
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Bendigo
Red
(44 days) |
Bendigo
Gold |
Bendigo
Basic Black |
| Annual interest rate |
19.74% pa |
19.74% pa |
11.99% pa |
| Annual fee |
$45 |
$85 |
$45 |
| Interest rate discount
for other Bendigo Bank
product holdings |
Yes # |
No |
No |
| Interest free days |
Up to 44 days |
Up to 55 days |
Up to 44 days |
| Interest charging |
Interest is calculated from statement date, not purchase date |
Interest is calculated from statement date, not purchase date |
Interest is calculated from statement date, not purchase date |
| Bendigo Rewards |
Automatic
enrolment |
Automatic
enrolment |
Not
available |
| Reward Program fee |
$0 |
$0 |
Not applicable |
Reward Points for
purchases |
1 reward point per dollar spent |
1.5 reward point per dollar spent |
Not applicable |
Reward Points for
balance transfers |
Yes – 1 point per dollar transferred |
Yes – 1 point per dollar transferred |
Not applicable |
| Additional cards |
Complimentary |
Complimentary |
Complimentary |
| Card type |
Visa or MasterCard |
Visa |
Visa or MasterCard |
Interest on credit
balances |
Yes |
Yes |
Yes |
* 1% discount available to existing Residential Loan customers
# 3% discount available to existing Residential Loan customers who have held their loan with Bendigo Bank for more than 12 months |
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