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.
Finder makes money from featured partners, but editorial opinions are our own.
🥇 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
-
$0 annual fee
-
0% international transaction fees on purchases
-
Access to complimentary overseas travel insurance
-
Compatible with major digital wallets
Cons
-
No introductory offers on purchases and balance transfers
-
Does not feature a rewards program
-
$15 late payment fee is charged
-
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
No reviews yet.
Write a review
Amy Finder
Editor
Hi there, looking for more information? Ask us a question.
You are about to post a question on finder.com.au:
- Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
- finder.com.au is a financial comparison and information service, not a bank or product provider
- We cannot provide you with personal advice or recommendations
- Your answer might already be waiting – check previous questions below to see if yours has already been asked
Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms Of Service and Finder Group Privacy & Cookies Policy.
This site is protected by reCAPTCHA and the Privacy Policy and Terms of Service apply.
Richard Whitten Finder
November 10, 2024
Hi Fran,
Some quick research suggests this is possible. But I would add a couple of suggestions: if you’re going to add a large amount to your card for a big purchase, check with your bank first to see if it’s allowed. If you are making a very large purchase by card, check if the merchant will charge a card fee first. You may need to adjust your card settings if you’re going to spend a large amount in one go (if you’ve set a limit per transaction, for example).
Show more Show less
Leonie
October 26, 2024
Can I get a bendigo ready credit card if I already have a bendigo bank mastercard?
Angus Kidman Finder
October 27, 2024
Hi Leonie, There’s nothing to stop you applying for a second card with Bendigo – whether it’s approved will depend in part on the balance you have on the existing card.
Roy
September 19, 2024
At what age does complimentary travel insurance cease?
Sarah Megginson Finder
September 19, 2024
Hi Roy, Most policies are valid for cardholders until 79 years of age.
Baljeet
August 26, 2024
Does the additional card holder gets travel insurance if this credit card is used to purchase overseas travel tickets/ accommodation, etc?
Richard Whitten Finder
September 17, 2024
Hello Baljeet,
I believe all card holders are eligible, however I suggest contacting Bendigo Bank directly to clarify.
Refaat Gabriel
August 20, 2024
Is Bendigo Ready Credit card can be used world wide or limited to some countries?
if it’s limited which countries I can use it?
Sarah Megginson Finder
August 20, 2024
Hi Refaat, This is a Mastercard, so it’s accepted Australia-wide and globally whereever Mastercards are accepted. Hope this helps!
More resources on Finder
Card types
Cards from
Fran
November 08, 2024
Is it possible to make overpayment into the credit card to increase the available credit?