Bendigo Bank Bright Credit Card: Low 9.99% p.a., $59 Annual Fee and 55 Days Interest-Free for Aussies
A low-rate Bendigo Bank Bright Credit Card with 9.99% p.a., $59 annual fee and up to 55 days interest-free, tailored for savvy Aussie spenders
Low-rate pricing and straightforward fees
The Bendigo Bank Bright Credit Card stands out for Aussies hunting a genuinely low-rate credit option. With a purchase rate of 9.99% p.a. and a modest $59 annual fee, it’s designed to keep the cost of borrowing down compared with many mainstream cards in Australia.
There’s no additional cardholder fee, so adding a partner or family member won’t rack up extra yearly costs. Be mindful of the standard 3% foreign transaction fee on overseas spends and the cash advance charges if you use the facility.
55 days interest-free and smart interest calculation
One big draw is up to 55 days interest-free on purchases when you pay your statement balance in full. That grace period helps Aussies manage cashflow and time repayments around pay cycles without interest stacking up.
Interest is calculated from the statement date rather than the purchase date, which can work in your favour if you carry a balance sporadically — a neat feature for anyone who wants to reduce interest costs while keeping flexibility.
Everyday perks and digital convenience
Branded as a Mastercard, the Bendigo Bank Bright Credit Card is widely accepted across Australia and overseas, and it links with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay for tap-and-go convenience. Tokenisation and biometric checks give extra security for mobile payments.
Cardholders can enjoy Mastercard Priceless Cities offers and local deals, giving tangible value beyond the low rate. The card keeps perks simple — the focus is on savings rather than a complex points program.
Who this card suits and practical tips
This is a solid pick for Aussies who prioritise low-cost borrowing: students, couples sharing expenses, and anyone switching from a high-rate card. With a minimum credit limit commonly around $1,000, it’s accessible to a wide set of applicants looking to trim interest and fees.
To maximise savings, line up big purchases early in a billing cycle to get the full interest-free window, and pay on time to avoid late fees. If you travel regularly, factor the 3% foreign transaction fee into your budget or pair the card with a no-foreign-fee travel card.
Overall, the Bendigo Bank Bright Credit Card blends a competitive 9.99% p.a. purchase rate, a $59 annual fee and up to 55 days interest-free into a simple, Aussie-friendly package. For those after a no-nonsense, low rate credit card in Australia, it’s worth a close look and should be on the shortlist when comparing low-cost credit options.