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The Bendigo & Adelaide Bank RSPCA Rescue Mastercard has a moderately low annual fee, a moderately high interest rate and a moderate interest-free period. The card does not have an associated rewards scheme, although cardholders can access a number of exclusive experiences and special offers through the Mastercard Priceless Cities program.
There are no fees for adding additional cardholders (over 16 years old) and the card can be used for tap-and-pay transactions under $100, via Apple Pay, Samsung Pay or Google Pay.
As for security, the Bendigo & Adelaide Bank RSPCA Rescue Mastercard also has 24/7 fraud monitoring and no liability for unauthorised transactions.
What really makes this credit card stand out for animal lovers is that a percentage of your monthly spending will automatically be donated to RSPCA Adoptapet.
- Automatic donation to RSPCA Adoptapet
- Optional extra donation to RSPCA Adoptapet
- Access to Mastercard Priceless Cities
- No rewards scheme or bonus points
- High cash advance rate
- Expensive O/S emergency card replacement
Who is it good for?
As the name implies, this card is squarely aimed at animal lovers looking for a straightforward everyday card, which also allows them to help their furry friends and donate to a worthy cause at the same time. On that level, the donation of a percentage of your spending each month to the RSPCA is a maintenance-free way to help a worthy cause.
Animal lovers may also like the option of having $5 per month deducted from their account to go to the RSPCA. Again, this is a useful set-and-forget way to donate to charity. And, of course, those contributions are tax-deductible at the end of the financial year. The bank issues a receipt for the donations annually.
Another nice touch for animal lovers is that you can even have the card personalised with an image of either a cat or dog (though not your own pet).
What RateCity says
The Bendigo Bank RSPCA Mastercard is one of the few credit cards available that is connected to a charity, with a percentage of the money you spend with the card going to the RSPCA Adoptapet program, and the option to have another $5 per month automatically deducted from your account to send to the RSPCA.
The annual fee and interest rates are comparable with several other cards, though the rate for cash advances is on the high side. Also, while it’s free to get a replacement card in Australia, there’s a significant fee if it’s lost or stolen overseas.
Another attractive feature is that, even though there is no rewards scheme, cardholders can still access some special deals through Mastercard Priceless Cities program.
Overall, while the charity donations are a clear point of distinction in the crowded credit card marketplace, this is a solid everyday card.
To apply for the Bendigo & Adelaide Bank RSPCA Rescue Mastercard, you must be at least 18 years old and either a resident or citizen of Australia, with a good credit rating. Temporary residents are not eligible. You need proof of identification and details of your employment, income, expenses and assets. The application process is straightforward and can be done online or in person at a branch of the bank.
About Bendigo & Adelaide Bank
The Bendigo & Adelaide Bank provides finance products to customers, including credit cards, personal and home loans. Customers can stay in 24/7 contact with customer service representatives through the bank’s phone and online services. Customers can also manage their own finances through the bank’s internet banking portal and mobile app. The company’s heritage dates back more than 150 years to Victoria and South Australia, before the merger of Bendigo Bank and Adelaide Bank. Today, the bank is an ASX-listed company.
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Looking to get your first credit card? You might be confused as to exactly where to go to apply for one. Here’s where to go when you are ready to put in that application.
The bank: Your bank is a great place to start, provided that you have a good banking history. Since you already have a financial history, you have more chance of your application being approved.
Credit card provider: Another option is to apply for a credit card directly from the issuer, such as Visa, Mastercard or Amex. This will most likely be an online application, so do your research and apply for a suitable card for your circumstances.
Major retailers: Coles, Woolworths, Myer and David Jones all have credit cards available. But watch out for the interest rate and annual fees – these cards are designed to help you spend more in store.