In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask an expert
Finder makes money from featured partners, but editorial opinions are our own.
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.

Suitable for those looking to save on credit card and travel costs, the Bendigo Bank Ready Credit Card comes with no annual fee or international transaction fees. This can save you 2–3% 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.


  • $0 annual fee
  • 0% international transaction fees on purchases
  • Access to complimentary overseas travel insurance
  • Compatible with major digital wallets


  • 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% cash advance interest rate

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask an expert

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.


Product details

Product Name Bendigo Bank Ready Credit Card
Balance transfer rate p.a. 19.99%
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


Available to temporary residents No
Joint application No


Bonus points N/A


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 $5
Additional cardholder fee $0

How 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.

Card benefits

  • No international transaction fees. The Bendigo Bank Ready Credit Card has 0% international transaction fees when you're spending money overseas, including online. In comparison, other cards charge fees worth around 2–3% of each international transaction.
  • Complimentary international travel insurance. You'll get cover for overseas travel when you use the Bendigo Bank Ready Credit Card to pay for a return ticket before your trip. Your spouse and dependent children also get cover when they're travelling with you and meet the eligibility requirements. As with any insurance, check the policy document for full details.

Rates & fees

  • Annual fee. This card has a $0 annual fee, ongoing.
  • Purchase interest rate. This card has a 19.99% p.a. interest rate for purchase.

Your reviews

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November 01, 2023

Hi – my wife and I are both retired. Our income is from military pensions in my name, both receive aged pension as well as an allocated pension. We do our own tax returns. We both have a credit card with the balances paid in full every month via direct debit. We both have good credit ratings.

I have recently transferred from a credit card provider to a fee free credit card.

My wife would now like to do the same and cancel her existing card. The problem we have experienced is that the majority of income is in my name so it is proving very difficult to find a new credit card for my wife.

Is Bendigo Bank a little more lenient in the strict criteria for applying?

Many thanks for any assistance.

Peter and Carolyn

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Amy Bradney-George Finder

November 03, 2023

Hi Peter and Carolyn,

Please be aware that I can only give general advice and factual information in my reply. Bendigo Bank allows people to apply if they receive regular income from any of the following sources: PAYG (Permanent, non-permanent and casual employment), managed superannuation, self-managed superannuation, self-employment. It would typically need to be in the name of the person applying. But you could call Bendigo Bank directly on 1300 236 344 to discuss specific details.

Finder also has a guide to credit cards for retired applicants that has further insights and details on applying. I hope this helps.

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July 20, 2023

hi , l am earning miminum $450. a week , am 70 years old and have assets , & money in the bank

is it worth me applying for a ready or platinum credit card .


Richard Whitten Finder

July 26, 2023

Hi Derek,

If you’re unsure about eligibility for a particular card I suggest contacting the card company and asking them more specific questions about its eligibility requirements.



July 16, 2023

I can see the card has no international transaction fees, but what foreign currency conversion rate is used. Is it the daily Mastercard rate?


Elizabeth Barry Finder

July 28, 2023

Hi Paul,

That is correct, this card uses the Mastercard exchange rate.

Hope this helps,



Ronald Stewart

June 01, 2023

I am currently residing in the US. I am being crippled by non resident taxes, exchange rates and bank fees. On a visit to Australia I transferred to a ready card to stop international bank fees. Yesterday I transferred Australian funds into a US bank account established to help pay my expenses here. This was transferred from credit funds in my account. I was still charged a substantial fee. I need to know why.


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Amy Bradney-George Finder

June 08, 2023

Hi Ron,

Transferring funds from a credit card to a bank account would typically be considered a cash advance transaction, which attracts a cash advance fee and interest charges. International transaction fees may also apply for transfers to overseas accounts. But as this situation is very specific, you may want to contact Bendigo Bank directly on +61 3 5445 0666 to discuss your account. I hope that helps.

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Beryl Dwyer

May 10, 2023

Can i apply for a Ready Credit Card to substitute for my current Bendigo debit card as i am going overseas. Can i transfer money into this card before leaving as i can with a debit card. Or alternatively is there a debit card i can get to avoid international fees?


Amy Bradney-George Finder

May 12, 2023

Hi Beryl,

You can apply for the Bendigo Bank Ready Credit Card if you meet the eligibility criteria. But according to the Bendigo Bank credit card terms and conditions, you should not have a “credit balance” – which means a balance that is above the available credit limit (as it would be if you added funds before making a purchase). If your goal is to avoid interest charges and international transaction fees, keep in mind that Bendigo Bank calculates credit card interest from the statement date instead of the date you made each purchase, and any amount you pay off by the due date on your statement won’t be charged interest.

Alternatively, you can compare other travel money options, such as a prepaid travel money card, on Finder. I hope that helps.

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