Bendigo Bank Platinum Rewards Credit Card
Data last updated 20 July 2026
19.99%
Purchase rate
$89
Annual fee
55 days
Interest-free
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CardIQ
46Fair
Fair
Overall score, out of 100 · How this works
- 55 days interest-free51
- Balance transfer38
- Rewards43
- Travel54
Customer reviews
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Pros & cons
What's good
- Complimentary international travel insurance, purchase protection, extended warranty and transit accident insurance.
- No fee to add an additional cardholder.
- Points don't expire while your account is open and in order.
Worth noting
- The 19.99% p.a. purchase rate sits above the 18.99% p.a. median if you carry a balance.
- 3% foreign transaction fee on overseas spending.
Card details
The basics
- Additional cardholder fee
- $0 p.a.
- Card tier
- Platinum
- Card type
- Mastercard
- Card use
- Personal
- Credit limit
- $3,000 – $50,000
- Credit rating
- Good
- Rewards program
- Bendigo Rewards
Eligibility
- Instant approval
- No
- Joint application
- Yes
- Minimum age
- 18 years old
- Minimum income
- $35,000 p.a.
- Residency
- Australian citizen or permanent resident
- Temporary residents
- Not eligible
Rates & fees
Ongoing interest rates
- Cash advances
- 21.99% p.a.
- Purchases
- 19.99% p.a.
Fees
- Additional cardholder fee
- $0
- Annual fee
- $89 p.a.
- Cash advance fee
- 3% of the amount
- Foreign transaction fee
- 3%
- Late payment fee
- $15
Repayments
- Interest-free period
- Up to 55 days on purchases
- Minimum repayment
- 3% of the closing balance or $10, whichever is greater
Balance transfers
- Limit
- Up to your available credit limit
- Period
- 0 months
- Promotional rate
- 21.99% p.a.
- Revert rate
- 0.00% p.a.
- Transfer fee
- 0%
While you carry a transferred balance you may not receive interest-free days on new purchases.
Introductory purchase offer
This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.
Rewards
Earn rate
- Everyday spend
- 1.5 pts per $1
- Bonus categories
- None
- Other purchases
- None
- Overseas spend
- None
- ATO/government
- None
- Reduced rate above monthly cap
- None
- Points cap
- Uncapped
- Points expiry
- Points don't expire while your account is open and in order.
Sign-up bonus
- Bonus spend required
- —
- Sign-up bonus
- —
Complimentary insurance
Cover has conditions and exclusions, which are set out in the issuer's PDS. A missing row means we haven't captured that figure, not that the cover is absent.
Overseas travel
- Activation
- Prepay part of the trip on the card
- Activation spend
- $500
- Age limit
- 80 years
- Cover limit
- $20,000,000
- Excess
- $250
- Maximum trip length
- 90 days
- Not covered
- Pre-existing conditions, unless the insurer agrees in writing
- Underwriter
- Allianz Australia Insurance Limited
Rental vehicle excess
- Activation
- Book with the card and take the hire company's waiver
- Cover limit
- $5,500
- Excess
- $250
- Voids cover
- Unsealed roads, drink driving, a driver not on the agreement
- What it pays
- The hire company's excess, not the vehicle
Purchase protection
- Activation
- Pay for the item with the card
- Annual limit
- $25,000
- Cover period
- 90 days
- Excess
- $250
- Not covered
- Cash, consumables and animals
- Voids cover
- Leaving the item unattended in a public place
- What it pays
- Theft, loss and accidental damage
Extended warranty
- Activation
- Pay with the card for an item under manufacturer's warranty
- Annual limit
- $25,000
- Excess
- $250
- Not covered
- Anything the manufacturer's warranty already excluded
- Per-item limit
- $5,000
- What it pays
- Mechanical failure once that warranty ends
Where this card sits vs similar cards
Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.
FeatureThis cardWhere it ranks
Interest-free days55 daysTop 10% (6th of 192 cards)
Overseas fee3.00%Better than most (53rd of 200 cards)
Purchase rate19.99%Middle of the market (97th of 196 cards)
Annual fee$89 a yearMiddle of the market (102nd of 200 cards)
Rewards value$270 a yearMiddle of the market (51st of 95 cards)
Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.
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Questions and answers
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Sources
- Credit Card Compare
- Australian credit card statisticsHow CardIQ scores cards
- Issuer
- Bendigo Bank