The Bendigo Bank Bright Credit Card is simple, low-cost credit card that has a minimum credit limit of $1,000. As well as a low purchase rate, it offers up to 55 days interest-free on new purchases and can be used anywhere Mastercard is accepted.
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🥇 Best rated brand
Bendigo Bank Bright Credit Card
Terms and conditions apply
- Balance transfer rate with no balance transfer fee
- 19.99% p.a.
- Purchase rate
- 11.99% p.a.
- Annual fee
- $59 p.a.
- Interest-free on purchases
- Up to 55 days
Our verdict
This low rate credit card charges 11.99% p.a. on purchases, with a $59 annual fee.
Finder Awards winner
Customer Satisfaction Award
The Bendigo Bank Bright Credit Card gives you a way to save on costs with a low 11.99% p.a. interest rate for purchases that's very competitive with other low rate cards currently on the market. Its $59 annual fee is also similar to other low rate cards.
Pros
-
Low 11.99% p.a. interest rate for purchases
-
Competitive $59 p.a. annual fee
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No additional cardholder fee
Cons
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No introductory offers on purchases and balance transfers
-
3% international transaction fee
Details
Product details
| Product Name | Bendigo Bank Bright Credit Card |
| Balance transfer rate p.a. | 19.99% |
| Purchase rate p.a. | Purchase rate p.a. 11.99% |
| Interest-free period | Up to 55 days on purchases |
| Cash advance rate p.a. | 19.99% |
| Min credit limit | $1,000 |
| Card type | Mastercard |
Eligibility
| Available to temporary residents | No |
| Joint application | No |
Rewards
| Bonus points | N/A |
Fees
| Annual fee | Annual fee $59 |
| Minimum monthly repayment | 3% of the closing balance or $10, whichever is greater |
| Late payment fee | $15 |
| Foreign currency conversion fee | Foreign currency conversion fee 3% |
| Cash advance fee | 3% or $3, whichever is greater |
| Overseas ATM withdrawal fee | $5 |
| Additional cardholder fee | $0 |
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Amy Finder
Editor
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Amy Bradney-George Finder
October 04, 2023
Hi Carol,
The Bendigo Bank Bright Credit Card does not have a monthly fee but it does have a $59 annual fee, at the time of writing. This fee is charged once every 12 months based on when the account is opened. I hope this helps.
Judith
May 29, 2023
I wish to apply for this card but do not know how to apply
Amy Bradney-George Finder
May 29, 2023
Hi Judith,
This card isn’t currently available through Finder, but you can apply directly through the Bendigo Bank website or by calling 1300 236 344. I hope that helps.
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Carol
October 04, 2023
Does this card have a monthly fee.