Bendigo Bank Bright Credit Card Low-Rate 9.99% p.a., $59 Annual Fee, Up to 55 Days Interest-Free
Bendigo Bank Bright Credit Card gives Australians a fuss-free low-rate option at 9.99% p.a., $59 annual fee, up to 55 days interest-free and no extra cardholder fees
Overview
The Bendigo Bank Bright Credit Card is a straightforward, low-rate credit card built for Australians who want to keep costs down without fuss. With a purchase rate of 9.99% p.a., an annual fee of $59 and up to 55 days interest-free on purchases, this card positions itself as a top pick for sensible spending.
This Bendigo Bank Bright Credit Card is ideal if you’re moving away from high-rate cards or want a reliable everyday card. There are no additional cardholder fees, which makes it easy to add a partner or family member without extra cost.
Rates and fees that matter
The headline feature is the low 9.99% p.a. purchase rate on the Bendigo Bank Bright Credit Card, well below many standard cards in Australia. Important costs to note: cash advances attract a higher rate (typically around 19.99% p.a.), and foreign transactions carry a 3% conversion fee.
Annual fee is only $59, and the card’s interest is calculated from the statement date, which can work in your favour if you manage payments around the billing cycle. Keeping track of the minimum monthly repayment (usually 3% of the closing balance or $10) helps avoid late fees.
Practical features and everyday convenience
As a Mastercard, the Bendigo Bank Bright Credit Card is accepted widely across Australia and overseas, so you can tap-and-go at cafés, shops and online stores without hassle. The card integrates with Apple Pay, Google Pay, Samsung Pay and wearables, giving secure mobile payments with tokenisation and biometric checks.
The up to 55 days interest-free period on purchases gives Aussies breathing room to clear new spending if you pay the statement by the due date. There are no frills like points programs here, just clear, low-cost credit that’s simple to use and manage.
Who should consider this card and how to get the most out of it
The Bendigo Bank Bright Credit Card suits households wanting a low-rate credit card for everyday spending, and anyone who occasionally carries a balance but wants to lower interest costs. It’s especially useful for those switching from higher-rate cards or for secondary cards without extra cardholder fees.
To maximise value, time your big purchases with the billing cycle to use the full 55 days interest-free, avoid cash advances, and pay more than the minimum whenever possible. Compare the Bendigo Bank Bright Credit Card to other low-rate options to confirm it fits your budget and credit needs, then apply online or visit a local branch to get started.