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.
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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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Compatible with major digital wallets
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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$15 late payment fee is charged
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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
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Amy Finder
Editor
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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!
Mish
August 09, 2024
Does the app for this card have a transaction export function?
Sarah Megginson Finder
August 09, 2024
Hi Mish,
It’s not listed as a feature on the Bendigo website, you can reach them on 1300 236 344 to double check.
Hope this helps!
Mish
August 08, 2024
Does your app or website have the ability to export transaction history into a csv file or similar?
Sarah Megginson Finder
August 08, 2024
Hi Mish,
We’re a review and comparison site, you’ll have to check with Bendigo directly on this. You can reach their customer service on 1300 236 344.
Hope this helps!
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Roy
September 19, 2024
At what age does complimentary travel insurance cease?