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.
Category: Credit and Charge Cards  Last Updated December 2, 2025  Effective June 3, 2026

 General Lending Rates

Rates listed below are for a product. Additional Information
Interest Rate
NA PA
Comparison Rate
NAPA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
  OTHER, CASH_ADVANCE, 13.99%
  • Lending Rate Type: Cash Advance
  • Interest Rate: 13.99%, Comparison Rate 0.00%
  • Repayment Type: Unconstrained
  • Loan Purpose: Other

 Product Features

  • Digital Wallet
  • Additional Cards
  • Interest Free

 Product Eligibility

  • Business

 Bank Fees and Charges

  • International Transaction Fee (Transaction), Amount: Not Listed.. Additional Information: 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 (AUD) but with or using a merchant, payment processor, financial institution or other entity (including an online merchant) who is outside of Australia.
  • Cash Advance Fee (Transaction), Amount: Not Listed.. Additional Information: 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), Amount: 5.000000. Additional Information: 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 ATMs. This fee will be displayed at the time of the transaction and allows the customer to accept or decline the fee as shown. If using your credit card interest will be charged from the day the withdrawal is completed.
  • International Atm Inquiry (Event), Amount: 1.500000. Additional Information: Payable whenever you make a facility inquiry outside of Australia at a non-Bendigo Bank ATM.
  • Replacement Card Fee (Event), Amount: 15.000000. Additional Information: Payable whenever we issue you a replacement, reissue or redirection card other than by standard post at your request.
  • Late Payment Fee (Event), Amount: 15.000000. Additional Information: Payable each time you fail to pay your Minimum Repayment as stated on a statement of account by its due date.
  • Bpay Withdrawal (Withdrawal), Amount: Not Listed.. Additional Information: 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.
  • Internal Transfer (Transaction), Amount: Not Listed.. Additional Information: 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.
  • Phone Banking Transfer (Transaction), Amount: Not Listed.. Additional Information: 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 cash.
  • Pay Anyone Transfer, Including Osko (Transaction), Amount: Not Listed.. Additional Information: 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 equivalent to cash.
  • Transfer (Transaction), Amount: Not Listed.. Additional Information: 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
  • Eftpos Withdrawal (Transaction), Amount: Not Listed.. Additional Information: 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.
  • Bendigo Bank Atm Withdrawal (Transaction), Amount: Not Listed.. Additional Information: 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 equivalent to cash.
  • Bendigo Bank Atm Transfer (Transaction), Amount: Not Listed.. Additional Information: 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 to cash.
  • Bank@post Withdrawal (Withdrawal), Amount: 4.000000.
  • Bank@post Deposit (Transaction), Amount: 4.000000.
  • Bank@post Balance Enquiry (Transaction), Amount: 0.000000. Additional Information: 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.
  • Retail Purchase (Transaction), Amount: 0.000000.
  • Direct Debit (Transaction), Amount: Not Listed.. Additional Information: 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.
  • Periodical Payment (internal) (Transaction), Amount: Not Listed.. Additional Information: 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 equivalent to cash.
  • Bank Cheque Withdrawal (Withdrawal), Amount: 10.000000.
  • Monthly Card Fee (Periodic), Amount: 4.000000. Additional Information: 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.
  • Eft Credit Transfer (Transaction), Amount: 4.000000.
  • Periodic Payment To Other Financial Institution (Transaction), Amount: 3.750000.

 Limitations & Restrictions (Constraints)

  • Min Limit of 500.00
  • Max Limit of 50000.00

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