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.
Bendigo Bank Ready Credit Card
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- 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
Cons
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No introductory offers on purchases and balance transfers
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Does not feature a rewards program
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There is a $15 late payment fee
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 days | 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 |
| Rewards points cap |
Fees
| Annual fee | $0 |
| Minimum monthly repayment | 3% of the closing balance or $10, whichever is greater |
| Late payment fee | $15 |
| Foreign currency conversion fee | 0% |
| Cash advance fee | 3% of transaction value or $3, whichever is greater |
| Overseas ATM withdrawal fee | $0 |
| Additional cardholder fee | $0 |
Bendigo Bank scored in the Finder Awards
The Bendigo Bank Ready Credit Card was highly commended for Best Travel Credit Card in the 2026 Finder Awards.
Full list of 2026 winners
Bendigo Bank scored in the Finder Awards
The Bendigo Bank Ready Credit Card was highly commended for Best No FX fees Credit Card in the 2026 Finder Awards.
Full list of 2026 winnersSources
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Amy Finder
Journalist
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Sarah Megginson Finder
February 04, 2026
Hi Chris,
Yes, you can apply for the card, be approved and had the card issued, spend on it while you’re away, and then cancel it when you get back. There is no annual fee, so you won’t be out of pocket.
And yes, you need a return ticket to qualify for travel insurance, but it doesn’t need to be purchased at the same time as the departure ticket. As long as you purchase your return fare before you leave, and you meet the other eligibility requirements, you’ll be covered.
Enjoy your trip!
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Chris
January 17, 2026
My husband and I currently have a Bendigo platinum Qantas cr card with $149 annual fee. How do we go about changing to Bendigo Ready before fee due end June.
Richard Whitten Finder
January 19, 2026
Hi Chris,
There are 2 steps here. 1. Cancel the first card before the fee is due. Make sure you pay off the card balance if you haven’t paid it off fully. 2. Apply for the new card when you are ready.
You can apply for a new card before you cancel the old one. But depending on your financial circumstances (income, spending, credit score) you might have an easier time getting approved for a new credit card if you’ve cancelled the old one first or lowered the credit limit on that card.
I hope this helps.
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Khoon
January 04, 2026
I currently have bans on my credit reports through illion and Equifax for security.
Do I need to un-ban them first before applying?
Richard Whitten Finder
January 12, 2026
Hi Khoon,
Yes you’ll need to do that before applying. The bank will need to access your credit report.
Katie
September 07, 2025
Hi, We are going overseas and this card was reccomended. I we only use it to pay for hilidays is that ok. If we decide we dont need it anymore can we get our money transfered no charge
Richard Whitten Finder
September 08, 2025
Hi Katie,
I’m not sure what you mean exactly. This is a credit card so you don’t store money in an account. You have an approved credit limit and then you pay back what you spend.
If you can cancel the card there’s no money to transfer anywhere. You could get this card for a holiday and then cancel it. You just need to repay anything you’ve spent first.
The card has no annual fee either so you could just hold onto it for future trips too.
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Lyn A
July 29, 2025
How does it take to get a physical card after application approval? Travelling soon.
Sarah Megginson Finder
July 30, 2025
Hi Lyn,
It typically takes up to 10 business days for the physical card to arrive by mail. But the good news is, the card comes with a digital version, which you can usually set up in your smartphone and use it immediately. Here’s some more info. Hope this helps!
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Chris
February 03, 2026
Two questions please:
1. Can we apply for the card prior to going overseas and then cancel on return (after paying balance in full)
2. Do we only qualify for Travel Insurance if we purchase a return ticket? We already have a one way ticket but looking to purchase our return soon.