Bendigo Bank Low Rate Credit Card

The Bendigo Bank Low Rate Credit Card offers 0% p.a. for 20 months on purchases. Ongoing benefits include a low ongoing interest rate.

Updated 18 May 2022

Expert Review

As the name suggests, the Bendigo Bank Low Rate credit card is one of Bendigo Bank's low interest rate products. Featuring a competitive Purchase interest rate of 11.99%, which is Bendigo Bank's lowest, and including up to 55 interest free days, this product is great for minimising interest and managing cash-flow, if you want flexibility with your monthly repayment. Of the 200+ credit cards reviewed by Stay or Go, this card ranks among the best 10% lowest purchase rates. Further, the product has a $45 annual fee. As a result, this card ranks among the lowest 25% annual fee products.

Considering its key features, this card is most suitable to someone who wants the peace of mind that if they do need to pay interest from time to time, the rate will be competitive. Other benefits include no additional cardholder fees.

Product Details
All the security and convenience you’d expect, a low annual fee and one of the lowest interest rates around make our Low Rate Credit Card the ideal card for your every day purchases."
- Bendigo Bank

No rewards program

Account Fees

$45 annual account fee

Transaction Fees

3.00% international transaction fee

Other fees may apply.


11.99% p.a. purchase rate

13.99% p.a. cash advance rate

Up to 55 interest fee days on purchases

Purchase & Balance Transfer Offer

0% p.a. for 20 monthson purchases

0% for 20 monthson balance transfers (2.00% fee applies), reverts to 11.99% p.a.

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Before applying for this product, you should read the Target Market Determination (TMD) available here on the Bendigo Bank website.

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$1 spend*
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