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
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
-
$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 | $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% 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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Sarah Megginson Finder
May 05, 2025
Hi Patrick,
The exchange rate for foreign purchases on this card is based on the prevailing Mastercard or Visa exchange rate at the time of the transaction. Both Mastercard and Visa exchange rates typically have a margin, meaning they are not based on the mid-market exchange rate and they make a profit on the exchange. Platforms like Wise give you a virtual and digital card you can use overseas (with your own money), which lets you hold over 40 currencies. Wise uses the mid-market rate for exchanges so you get the same rate that’s typically listed on Google, Bing and other search engines. 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.
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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Patrick
May 02, 2025
What exchange rate standard is used for international purchases?