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.
🥇 Best rated brand
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.
Finder Awards winner
Customer Satisfaction Award
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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Finder Score of 9.82 in the travel card category.
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 |
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!
The Bendigo Bank Ready Credit Card was highly commended for Best Travel Credit Card and Best No FX fees Credit Card in the 2025 Finder Awards.
Full list of 2025 winnersYour reviews
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Amy Finder
Journalist
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Bev Soutar
January 29, 2025
I only receive pension. Will I be considered
Richard Whitten Finder
January 30, 2025
Hi Bev,
Looking at Bendigo’s site it says you need to receive regular income from employment or superannuation. It doesn’t mention the aged pension.
Manni
January 08, 2025
If I deposit $10k cash before my travels so I’m in debit , and withdraw my cash is then a cash advance fee applicable?
Sarah Megginson Finder
January 08, 2025
Hi Manni,
Unfortunately cash advances usually attract a cash advance fee, even if your account has a positive balance. Usually this fee is 3-4% of the amount you withdraw. Hope this helps!
Gail
December 14, 2024
What is the minimum annual income required for this card & what credit limits are available to request please?
Richard Whitten Finder
December 18, 2024
Hello Gail,
Some credit cards don’t list their minimum required income and credit limits. It depends on the applicant. The bank states that you need a regular income of some form.
The credit limit you’ll get approved for depends on your income and other factors (spending, debts etc.). The minimum credit limit is $3,000 so you’ll get approved for at least that amount, if approved.
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Emma
November 27, 2024
If I pay my air tickets to USA and Canada, does the travel insurance covers? Or, what does the travel insurance covers?
Angus Kidman Finder
November 27, 2024
Hi Emma, You’ll qualify for the insurance included with the card provided you spend at least $500 on the card for prepaid travel expenses – this would include your airfare. You also need to have booked a return ticket to Australia. The cover is detailed in the card PDS – it’s worth looking at that to see if it suits. If you want more extensive cover, you can compare your options here. Hope this helps!
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Thilani
February 07, 2025
Can you please send me the travel insurance details of Bendigo Bank Ready Credit Card.