Bendigo Bank
Business Credit Card
As a business owner, keeping track of expenses is important and can be time consuming. Get visibility of your expenses and stay in control with the Business Credit Card. You will also receive up to 44 days interest free on purchases.
Credit cardsBank updated 29 July 2026
At a glance
- Purchase rate
- 13.99%
- Cash advance
- 13.99%
- Interest-free days
- 44
- Foreign transaction fee
- 3.00%
§ 01 — Rates · 2
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Cash advanceCalculated daily, charged monthly | P&I | — | — | 13.99% | — | — |
| PurchaseCalculated daily, charged monthly | — | — | — | 13.99% | — | — |
§ 02 — Fees · 24
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Cash Advance Fee | Cash advance | 3.00% of transaction | — | $3.00 or 3% of Transaction amount, whichever is greater.Payable each time we provide credit in the form of cash or you perform a Transaction we treat as being equivalent to cash. |
| International ATM Inquiry | Event | $1.50 | — | Payable whenever you make a facility inquiry outside of Australia at a non-Bendigo Bank ATM. |
| Replacement Card Fee | Event | $15 | — | Payable whenever we issue you a replacement, reissue or redirection card other than by standard post at your request. |
| Late Payment Fee | Late payment | $15 | — | Payable each time you fail to pay your Minimum Repayment as stated on a statement of account by its due date. |
| Monthly Card Fee | Periodic | $4 | Every 1 mo | Applies when you have a Business Credit Card linked to your Credit Card Facility. This fee is charged per card linked to the facility and is charged to the account monthly. |
| Bank@Post balance enquiry | Transaction | No fee | — | When you make balance enquiry at a Bank@Post terminal in an Australia Post Office using a Bendigo Bank card, where this facility is available. |
| Bank@Post Deposit | Transaction | $4 | — | — |
| Bendigo Bank ATM Transfer | Transaction | 3.00% of transaction | — | Bendigo Bank ATM Transfer – [$3.00 or 3% of Transaction amount, whichever is greater] Payable each time we provide credit in the form of cash or you perform a Transaction we treat as being equivalent… |
| Bendigo Bank ATM Withdrawal | Transaction | 3.00% of transaction | — | Bendigo Bank ATM Withdrawal – [$3.00 or 3% of Transaction amount, whichever is greater] Payable each time we provide credit in the form of cash or you perform a Transaction we treat as being equivale… |
| Direct Debit | Transaction | 3.00% of transaction | — | Direct Debit – [$3.00 or 3% of Transaction amount, whichever is greater] Payable each time we provide credit in the form of cash or you perform a Transaction we treat as being equivalent to cash. |
| EFT Credit Transfer | Transaction | $4 | — | — |
| EFTPOS Withdrawal | Transaction | 3.00% of transaction | — | EFTPOS Withdrawal – [$3.00 or 3% of Transaction amount, whichever is greater] Payable each time we provide credit in the form of cash or you perform a Transaction we treat as being equivalent to cash. |
| Internal Transfer | Transaction | 3.00% of transaction | — | Internal Transfer – [$3.00 or 3% of Transaction amount, whichever is greater] Payable each time we provide credit in the form of cash or you perform a Transaction we treat as being equivalent to cash. |
| International ATM Withdrawal | Transaction | $5 | — | Payable whenever you make a cash withdrawal outside of Australia at a non-Bendigo Bank ATM (in addition to the Cash Advance Fee). Other financial institutions may charge you a fee for using their ATM… |
| International Transaction Fee | Transaction | 3.00% of transaction | — | An International Transaction Fee of 3% of the Transaction amount (in AUD) payable for each Transaction which is conducted in a currency other than Australian dollars (AUD) or in Australian dollars (A… |
| Pay Anyone Transfer, Including Osko | Transaction | 3.00% of transaction | — | Pay Anyone Transfer, Including Osko – [$3.00 or 3% of Transaction amount, whichever is greater] Payable each time we provide credit in the form of cash or you perform a Transaction we treat as being… |
| Periodical Payment (Internal) | Transaction | 3.00% of transaction | — | Periodical Payment (Internal) – [$3.00 or 3% of Transaction amount, whichever is greater] Payable each time we provide credit in the form of cash or you perform a Transaction we treat as being equiva… |
| Periodical Payment to Other Financial Institution | Transaction | $3.75 | — | — |
| Phone Banking Transfer | Transaction | 3.00% of transaction | — | Phone Banking Transfer – [$3.00 or 3% of Transaction amount, whichever is greater] Payable each time we provide credit in the form of cash or you perform a Transaction we treat as being equivalent to… |
| Retail Purchase | Transaction | No fee | — | — |
| Transfer | Transaction | 3.00% of transaction | — | Transfer – [$3.00 or 3% of Transaction amount, whichever is greater] Payable each time we provide credit in the form of cash or you perform a Transaction we treat as being equivalent to cash |
| Bank Cheque Withdrawal | Withdrawal | $10 | — | — |
| Bank@Post Withdrawal | Withdrawal | $4 | — | — |
| BPAY Withdrawal | Withdrawal | 3.00% of transaction | — | BPAY Withdrawal – [$3.00 or 3% of Transaction amount, whichever is greater] Payable each time we provide credit in the form of cash or you perform a Transaction we treat as being equivalent to cash. |
§ 03 — Features
44 interest-free days99 additional cardsGoogle PaySamsung PayApple PayGarmin Pay
§ 04 — Eligibility & limits
- · Available to businesses
- · Amount $500 to $50,000
§ 06 — Run the numbers
Put this product through a calculator
Published by Bendigo Bank under the Consumer Data Right, last changed by them on 29 July 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.