Bendigo Bank Rewards

The Bendigo Bank Rewards program lets you earn and redeem points on your everyday spending with a Bendigo Bank Platinum Rewards Credit Card.

Rewards include gift cards, retail items and charitable donations. You can also check your reward point balance in real-time and use Points Plus Pay to make up any difference when you want to redeem a particular reward.

How to earn Bendigo Bank Rewards Points

The Bendigo Bank Platinum Rewards Credit Card is currently the only card linked to this rewards program. It earns 1.5 Bendigo Bank Rewards Points per $1 on eligible spending. This is competitive among rewards credit cards in Australia, especially as there is no limit or "cap" on the number of points you can earn.

But when you're comparing cards, keep in mind that Bendigo Bank Rewards Points expire after 3 years if you haven't redeemed them. And remember to consider the card's other features, rates and fees to help you decide if it's right for you.

What is eligible spending?

Most of your everyday purchases are eligible for earning points with a Bendigo Bank rewards credit card. This includes, groceries and retail shopping, petrol, dining out, travel bookings and bills that accept payment by credit card.

But you won't earn points for these transactions:

• BPAY
• Balance transfers
• Cash advances and cash equivalent transactions
• Transactions for gambling or gaming purposes
• Australian Taxation Office (ATO) payments
• Any fee or charge, including any government charges or duties
• Interest and finance charges payable or paid on your credit card
• Disputed and unauthorised transactions
• Purchases that are refunded or reimbured

What can you redeem with Bendigo Bank Rewards Points?

• Travel. You may redeem your points for travel accessories, including luggage, backpacks, travel adaptors and travel pillows. But unlike many rewards credit cards, you can't transfer points to any frequent flyer programs.
• Gift cards. Using points only, you may redeem gift cards for shopping at Big W, Bunnings, Coles, Dymocks, Flight Centre, iTunes and more.
• Homeware. The homeware category offers items from grill pans and coffee machines to candles and duvets.
• Technology. Technology gadgets include a host of products such as headphones, chargers, cameras and phones.
• Health and lifestyle. Shopping under the "Be Active" and "Be Pampered" categories on the program website gives you access to health and lifestyle products from massagers to perfumes, dress watches to electric shavers.
• Charity donations. If you're feeling charitable, you may also give your points away to select charities including the RSPCA, Australian Red Cross and UNICEF.
• Cashback. To get cashback on your Bendigo Bank account, you need to log in and click on the "Cash Back" link under your Points Balance. You'll then see the cashback choices available to you.

How much are Bendigo Bank points worth?

1 Bendigo Bank Rewards Point is typically worth around 0.24 and 0.27 cents. This is based on Finder analysis of a range of rewards available on the Bendigo Bank Rewards site.

But the value of rewards does vary depending on what you redeem your points for. And because you can't redeem 1 point for anything, it's often useful to consider how much value you'll get for each 1,000 points redeemed.

So, here are some examples of what your points might be worth:

How we calculated these reward values

We used details publicly available on the Bendigo Bank Rewards site in October 2023. We chose a variety of different rewards and point values as examples. For each reward, we calculated the cash value, then divided that by the number of points required to calculate the value per 1,000 points redeemed.

You can also use Finder's helpful points calculator to work out the value of any reward.

How to redeem Bendigo Bank Rewards Points

To redeem your Bendigo Bank Rewards Points, first head to the Bendigo Bank rewards website. You will see a list of participating outlets through which you can purchase gift cards or goods. To redeem your selection, simply log into your account.

How to decide if the Bendigo Bank Rewards program is worth it for you

If you're thinking of getting a Bendigo Bank Rewards credit card, it's important to compare your options first. This will help you to apply for the card that best suits your needs and financial situation. When narrowing down your options, you can consider the following factors:

• Earn rate. The earn rate for a card determines how quickly you’ll be making those rewards redemptions. In this case, the Bendigo Bank Platinum Rewards Credit Card has an earn rate of 1.5 points per $1 spent, which is competitive to other cards on the market. If you spend money overseas a lot, other rewards programs give you additional points for international spending.
• Points cap. If you use your credit card a lot, it might be handy that there is no cap on the number of points you can earn in a year.
• Fees and interest rates. The Bendigo Bank Platinum Rewards has an annual fee of $89. You should compare this against the potential value of the rewards.
• Interest-free days. The Bendigo Platinum Rewards credit card offers up to 55 interest-free days on purchases. This feature is available from the start of each statement period and allows you to save money on interest charges for your purchases. Because Bendigo Bank calculates interest from the statement date (instead of the date the purchase is made), you can get interest-free days even if you carry a balance. In comparison, most other credit card providers only offer interest-free days if you pay your balance in full by the statement due date.
• Complimentary extras. Extra features and perks can help offset the cost of the card you choose. In this case, the Bendigo Bank Platinum Rewards Credit Card offers complimentary extras including international travel insurance and purchase insurance.
• Use of the card. Make sure you're not making additional purchases that you can't afford to repay just to build the points. The points you earn will not outweigh the amount of interest you may end up paying if you fail to meet repayments.

Compare Bendigo Bank credit cards

• Bendigo Bank Credit Cards
• Other rewards credit cards

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Name	Purchase rate p.a.	Bonus points	Points per $ spent	Interest-free period	Balance transfer rate p.a.	Annual fee
Bendigo Bank Ready Credit Card Best Rated Brand	Purchase rate p.a. 19.99%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 19.99%	Annual fee $0	More Info Compare	Save with an ongoing $0 annual fee and no foreign transaction fees.
Bendigo Bank Bright Credit Card Best Rated Brand	Purchase rate p.a. 11.99%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 19.99%	Annual fee $59	More Info Compare	A no-frills card that offers a low interest rate of 11.99% p.a. on purchases and a competitive $59 annual fee.
Bendigo Bank Platinum Rewards Credit Card Bendigo Rewards Best Rated Brand	Purchase rate p.a. 19.99%	Bonus points N/A	Points per $ spent 1.5	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 21.99%	Annual fee $89	More Info Compare	Enjoy a competitive earn rate, complimentary travel and purchase insurance options for an annual fee of $89.
Bendigo Bank Qantas Platinum Credit Card Qantas Frequent Flyer Best Rated Brand	Purchase rate p.a. 19.99%	Bonus points N/A	Points per $ spent 0.6	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 21.99%	Annual fee $149	More Info Compare	Offers Qantas Points per $1 spent, international travel insurance and extended warranty on purchases.
Bendigo Bank Qantas Business Credit Card Qantas Business Rewards Best Rated Brand	Purchase rate p.a. 19.99%	Bonus points N/A	Points per $ spent 0.6	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. N/A	Annual fee $89	More Info Compare	Earn 0.6 Qantas Points per $1 spent on eligible purchases and get access to domestic travel insurance and extended warranty on purchases.
Bendigo Bank Business Credit Card Best Rated Brand	Purchase rate p.a. 13.99%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a. N/A	Annual fee $48	More Info Compare	A business card with flexible liability arrangements, competitive rates and gives you the ability to personalise your card.

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Name	Bonus points	Points per $ spent	Purchase rate p.a.	Annual fee
ANZ Rewards Black Credit Card Finder Award ANZ Rewards Program	Bonus points 180,000	Points per $ spent 2	Purchase rate p.a. 20.99%	Annual fee $375	Go to siteMore Info Compare	Get 180,000 bonus ANZ Reward Points (worth $800+ in digital gift cards) and $150 back when you spend $3,000 in the first 3 months.
Qantas Premier Platinum Qantas Frequent Flyer	Bonus points 80,000	Points per $ spent 1	Purchase rate p.a. 20.99%	Annual fee $349 first year ($399 after)	Go to siteMore Info Compare	Earn up to 80,000 bonus Qantas Points. Plus, save with a reduced first-year annual fee and 0% p.a. for 12 months on balance transfers, with a 2% BT fee.
Westpac Altitude Qantas Black Qantas Frequent Flyer	Bonus points 120,000	Points per $ spent 0.75	Purchase rate p.a. 20.99%	Annual fee $370	Go to siteMore Info Compare	Up to 120,000 bonus Qantas Points (90,000 points in year 1 when you spend $6,000 in the first 120 days & 30,000 points after the first spend in year 2).
Coles No Annual Fee Mastercard Flybuys	Bonus points 10,000	Points per $ spent 0.5	Purchase rate p.a. 20.74%	Annual fee $0	Go to siteMore Info Compare	Get 10,000 bonus Flybuys points (worth $50 Flybuys dollars) when you spend $3,000 on eligible purchases in the first 3 months.
Qantas American Express Ultimate Card Qantas Frequent Flyer	Bonus points 50,000	Points per $ spent 1.25	Purchase rate p.a. 23.99%	Annual fee $450	Go to siteMore Info Compare	Get a yearly $450 Travel Credit and 50,000 bonus Qantas Points when you spend $3,000 on eligible purchases in the first 3 months.
NAB Rewards Platinum Card – Velocity Points Velocity Frequent Flyer	Bonus points 80,000	Points per $ spent 1	Purchase rate p.a. 20.99%	Annual fee $95 first year ($195 after)	Go to siteMore Info Compare	Get up to 80,000 bonus Velocity Points: 60,000 points when you spend $1,000 in the first 60 days and 20,000 after 12 months.
American Express Essential Rewards Credit Card Membership Rewards	Bonus points 60,000	Points per $ spent 1	Purchase rate p.a. 23.99%	Annual fee $108	Go to siteMore Info Compare	Limited partner offer. Offers 60,000 Bonus Membership Rewards Points when you apply online through the link and spend at least $3,000 on eligible purchases within the first 3 months.
ANZ Rewards Platinum ANZ Rewards Program	Bonus points 100,000	Points per $ spent 1.5	Purchase rate p.a. 20.99%	Annual fee $149	Go to siteMore Info Compare	Get 100,000 bonus ANZ Reward Points (worth $440 in eGift cards) and $50 back when you spend $2,000 on eligible purchases in the first 3 months.
NAB Rewards Platinum Card NAB Rewards	Bonus points 100,000	Points per $ spent 1	Purchase rate p.a. 20.99%	Annual fee $45 first year ($195 after)	Go to siteMore Info Compare	Get up to 100,000 bonus NAB Rewards Points (worth $480 in eGift cards): 80,000 points when you spend $1,000 in the first 60 days and 20,000 after 12 months.
Qantas Premier Everyday Qantas Frequent Flyer	Bonus points 8,000	Points per $ spent 0.75	Purchase rate p.a. 20.99%	Annual fee $99	Go to siteMore Info Compare	Get 2 bonus Qantas Points per $1 spent on eligible purchases in the first 4 months (up to 8,000 points), plus complimentary insurance.
American Express Platinum Business Card Finder Award Membership Rewards Ascent Premium	Bonus points 250,000	Points per $ spent 2.25	Purchase rate p.a. 0%	Annual fee $875 first year ($1,750 after)	Go to siteMore Info Compare	ABN holders w/ $75,000 revenue. Get 250,000 Membership Rewards Bonus Points when you spend $12,000 on eligible purchases in the first 3 months. Plus, a first-year annual fee discount.
American Express Explorer Credit Card Membership Rewards	Bonus points 50,000	Points per $ spent 2	Purchase rate p.a. 23.99%	Annual fee $395	Go to siteMore Info Compare	Get 50,000 Membership Rewards Bonus Points and spend $4,000 on eligible purchases in the first 3 months.
Westpac Altitude Platinum Card Westpac Altitude Rewards	Bonus points 120,000	Points per $ spent 1	Purchase rate p.a. 20.99%	Annual fee $99 first year ($175 after)	Go to siteMore Info Compare	Up to 120,000 bonus Altitude Points (90,000 points in year 1 when you spend $3,000 in the first 90 days & 30,000 points after the first spend in year 2).
American Express Platinum Card Membership Rewards Ascent Premium	Bonus points 150,000	Points per $ spent 2.25	Purchase rate p.a. 0%	Annual fee $1,450	Go to siteMore Info Compare	Earn 150,000 Membership Rewards Bonus Points when you spend $5,000 on eligible purchases in the first 3 months.
American Express Qantas Business Rewards Card Qantas Business Rewards	Bonus points 130,000	Points per $ spent 1.25	Purchase rate p.a. 0%	Annual fee $450	Go to siteMore Info Compare	(ABN holders w/ $75k revenue). Earn 130,000 bonus Qantas Points when you spend $3,000 on eligible purchases in the first 2 months.

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How to apply for a Bendigo Bank Rewards credit card

1. Compare your options. Research all the different credit cards on the market and read our finder.com.au card reviews before deciding which card to apply for.
2. Read the fine print. Read the card’s product disclosure statement and small print, and get acquainted with all the terms and conditions of your chosen card. Make sure that you also meet all of the card’s listed eligibility criteria.
3. Apply online. When you’re ready, head over to the Bendigo card page of your choice and click “Apply now”.
4. Fill out the online form. The form asks for your requested credit limit at the outset, followed by your financial details, then your regular personal details. Have the relevant information ready pertaining to employment, earnings and expenses, assets and liabilities to speed up the process. You will finally be asked to submit documentation for identity verification purposes and to authorise the customary credit check.
5. Submit the application. Once you’ve submitted your card application, you will receive confirmation about whether you have been conditionally approved, and further instructions about what to do to advance your application.

Depending on your spending habits, lifestyle and rewards earning preferences, the Bendigo Bank Rewards program may be a suitable fit for you. Remember though to compare your options and to weigh up any potential costs against the benefits before choosing a card.

Written by

Amy Bradney-George

Editor

Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald. See full bio

Amy's expertise

Amy has written 565 Finder guides across topics including:

• Credit cards
• Frequent flyer
• Credit score
• BNPL
• Money management
• Sustainability

Co-written by

Rebecca Pike

Senior writer

Rebecca Pike is Finder's senior writer for money. She joined Finder after almost four years writing for business publications in the mortgage and finance industry, including three years as editor of Mortgage Professional Australia. She regularly appears as a money expert on programs like Sunrise and Today, as well as across radio and newspapers. She also holds ASIC-recognised certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products. See full bio

Rebecca's expertise

Rebecca has written 198 Finder guides across topics including:

• Home loans
• Cost of living
• Budgeting