The Bendigo Bank Ready Credit Card has 2 key features for travellers: no international transaction fees and complimentary international travel insurance. Its ongoing $0 annual fee can also help you keep your credit card costs down. But keep in mind that it has a 19.99% p.a. interest rate for purchases if you carry a balance from month-to-month.
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Bendigo Bank Ready Credit Card
Terms and conditions apply
- Balance transfer rate with no balance transfer fee
- 19.99% p.a.
- Purchase rate
- 19.99% p.a.
- Annual fee
- $0 p.a.
- Interest-free on purchases
- Up to 55 days
Our verdict
A no annual fee credit card that also offers no international transaction fees and complimentary overseas travel insurance.
The Bendigo Bank Ready Credit Card is suited to people who want to save on credit card and travel costs, with no annual fee or international transaction fees. This can save you around 2–4% on overseas spending compared to cards that charge FX fees. It also gives you complimentary international travel insurance, purchase protection insurance and extended warranty cover for eligible purchases.
Pros
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$0 annual fee
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0% international transaction fees on purchases
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Access to complimentary overseas travel insurance
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Compatible with major digital wallets
Cons
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No introductory offers on purchases and balance transfers
-
Does not feature a rewards program
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$15 late payment fee is charged
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Watch out for the 19.99% p.a. cash advance interest rate
Details
Product details
| Product Name | Bendigo Bank Ready Credit Card |
| Balance transfer rate p.a. | 19.99% |
| Purchase rate p.a. | Purchase rate p.a. 19.99% |
| Interest-free period | Up to 55 days on purchases |
| Cash advance rate p.a. | 19.99% |
| Min credit limit | $3,000 |
| Card type | Mastercard |
Eligibility
| Available to temporary residents | No |
| Joint application | No |
Rewards
| Bonus points | N/A |
Fees
| Annual fee | Annual fee $0 |
| Minimum monthly repayment | 3% of the closing balance or $10, whichever is greater |
| Late payment fee | $15 |
| Foreign currency conversion fee | Foreign currency conversion fee 0% |
| Cash advance fee | 3% or $3, whichever is greater |
| Overseas ATM withdrawal fee | $0 |
| Additional cardholder fee | $0 |
Congratulations, Bendigo Bank!
Bendigo Bank Ready Credit Card received the highly commended award for 'Travel Credit Card' in the 2024 Product Awards.
Full list of 2024 winnersHow to apply
You can apply for the Bendigo Bank Ready Credit Card online. Before you get started, check if you meet the eligibility criteria and have the necessary information to complete the application:Eligibility criteria
- Residency. If you're an Australian permanent resident or citizen, you can apply for this card.
- Credit history. You should have a good credit history and not be bankrupt or insolvent.
Your reviews
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Amy Finder
Editor
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Sarah Megginson Finder
August 09, 2024
Hi Mish,
It’s not listed as a feature on the Bendigo website, you can reach them on 1300 236 344 to double check.
Hope this helps!
Mish
August 08, 2024
Does your app or website have the ability to export transaction history into a csv file or similar?
Sarah Megginson Finder
August 08, 2024
Hi Mish,
We’re a review and comparison site, you’ll have to check with Bendigo directly on this. You can reach their customer service on 1300 236 344.
Hope this helps!
carol
August 08, 2024
Do you need to go to a physical branch for identification or can it be done online.
Many thanks
Sarah Megginson Finder
August 09, 2024
Hi Carol,
According to Bendigo’s terms and conditions, they have a process that allows electronic verification of identity.
Moira
July 12, 2024
Hello, I’m interested in applying for the above credit card with Bendigo Bank .
One of the conditions to receive overseas travel insurance is to pay for return airline tickets with the credit card. I’m a retired airline employee with the Qantas Group. In most cases I’m unable to buy a return ticket, as my travel is dependent on loadings for my flight on a particular day of travel I choose. This can change if loadings are heavy.
Therefore is it possible to apply for this credit card and receive the benefits.
Many thanks.
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Sarah Megginson Finder
July 17, 2024
Hi Moira,
To activate your travel insurance, you simply need to spend a minimum of $500 of your prepaid travel costs before leaving Australia. This doesn’t need to be on flights; it could be accomodation, tours, car hire, transfers etc. It can also be accumulated, eg $300 on hotels and $200 on car hire. You may want to purchase refundable accomodation so you can activate your insurance, but amend/cancel the accomodation it if your flight plans change?
Hope this helps!
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Nishant
June 19, 2024
Hi, can I apply for personal use and can I withdraw the money?
Sarah Megginson Finder
June 20, 2024
Yes, this is a personal card not a credit card. You can withdraw money from this card, but you’ll be charged interest of 19.99% immediately, which is a very high interest rate. If you need access to cash, a personal loan might be more affordable.
Hope this helps!
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Mish
August 09, 2024
Does the app for this card have a transaction export function?