Having a low-rate credit card is a real lifesaver, especially if you tend to carry a balance from month to month, giving you more time to pay off purchases. Bendigo Bright Credit Card is a great tool for your everyday use.
This cost-saving feature, combined with interest-free days, helps you manage your finances better without worrying about exorbitant charges.
It makes your everyday purchases more affordable and less burdensome over time.
While low costs are the main attraction, there’s more good news and some details you should consider before applying.
Bendigo Bright Card Benefits
- Low Interest Rate: 11.99% p.a. on purchases, which is below the average for most cards on the market.
- Interest-Free Period: Up to 55 days interest-free on purchases, giving you payment flexibility.
- Security: 24/7 fraud monitoring and protection against unauthorised transactions.
- Autonomy: Control your limits, transactions, and balance through the app, plus compatibility with mobile payments on smartphones and smartwatches.
- Mastercard Priceless Cities: Access to exclusive offers and special experiences.
Know the Limitations
This card is straightforward, making it ideal for those new to credit cards, reflected in its minimum limit of $1000. While this may be relatively low for some, it’s not a problem if you want to keep unnecessary spending in check.
Additionally, while it offers a balance transfer feature, the current rate is 19.99% p.a., so it’s essential to compare it with other options if you plan to transfer balances from other cards.
What You Can Access Through the Bendigo Bank App
With quick login via biometrics or PIN, you can easily check balances using the Quick Balances feature. Payments are made in seconds with PAYID, Osko, and BPAY, and you can add your card to Apple Pay or Google Pay for easy in-person shopping.
The app also offers simple card controls and robust security measures to keep your data safe. Another important security feature is the quick card lock and unlock, handy if you lose your card or aren’t sure where you left it.
Summary of Key Fees
- Annual Fee: $59
- Cash Advance Rate: 19.99% p.a.
- Additional Cardholder Fee: $0
- Purchase Interest Rate: 11.99% p.a.
- Balance Transfer Rate: 19.99% p.a.
Our Opinion about Bendigo Bright Credit Card
The Bendigo Bright offers an attractive combination of low interest rates and security features, making it an excellent option for budget-conscious consumers looking to keep their credit card costs under control. While the fees aren’t extreme, it’s essential to be aware of all the costs, and the app allows for complete and quick management. So if you value autonomy, you can rely on the support of this tool provided by the bank.
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