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 |
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 |
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 winnersSources
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Amy Finder
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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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Margaret Ginnngs
July 09, 2025
Is there an age limit on your travel insurance?
Sarah Megginson Finder
July 10, 2025
Hi Margaret,
Yes there is. The T&Cs state that you are eligible for cover provided you meet all of the conditions and you are aged under 81 years at the time you become eligible for the cove. Hope this helps!
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Nat
May 12, 2025
How long is the free travel insurance for?
Angus Kidman Finder
May 13, 2025
The complimentary international travel insurance offered with this card covers a maximum of 3 consecutive months.
Patrick
May 02, 2025
What exchange rate standard is used for international purchases?
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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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