Bendigo Bank Ready Credit Card
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CardIQ
Good
Overall score, out of 100 · How this works
- 55 days interest-free63
- No annual fee72
- No foreign fee79
- Travel60
Customer reviews
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Pros & cons
What's good
- No annual fee.
- Complimentary international travel insurance.
- No foreign transaction fee on overseas or online spending.
- No fee to add an additional cardholder.
Worth noting
- The 19.99% p.a. purchase rate sits above the 18.99% p.a. median if you carry a balance.
- Earns no rewards points on spending.
- No balance transfer or introductory purchase offer.
Card details
The basics
- Additional cardholder fee
- $0 p.a.
- Card tier
- Standard
- Card type
- Mastercard
- Card use
- Personal
- Credit limit
- $3,000 – $50,000
- Credit rating
- Good
- Rewards program
- None
Eligibility
- Instant approval
- No
- Joint application
- No
- Minimum age
- 18 years old
- Minimum income
- Not specified
- Residency
- Australian citizen or permanent resident
- Temporary residents
- Not eligible
Rates & fees
Ongoing interest rates
- Cash advances
- 19.99% p.a.
- Purchases
- 19.99% p.a.
Fees
- Additional cardholder fee
- $0
- Annual fee
- No annual fee
- Cash advance fee
- 3% of the amount
- Foreign transaction fee
- 0%
- Late payment fee
- $15
Repayments
- Interest-free period
- Up to 55 days on purchases
- Minimum repayment
- 3% of the closing balance or $10, whichever is greater
Balance transfers
This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.
Introductory purchase offer
This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.
Rewards
This card doesn't earn rewards points. It focuses on a low cost of ownership instead. If earning points matters to you, compare frequent flyer cards and rewards cards.
Complimentary insurance
Cover has conditions and exclusions, which are set out in the issuer's policy terms. A missing row means we haven't captured that figure, not that the cover is absent.
Overseas travel
- Activation
- Varies by card, often paying for the trip with it
- Activation spend
- $500
- Age limit
- 80 years
- Cover limit
- $20,000,000
- Excess
- $250
- Maximum trip length
- 90 days
- Not covered
- Pre-existing conditions, unless the insurer agrees in writing
- Underwriter
- Allianz Australia Insurance Limited
Rental vehicle excess
- Activation
- Book with the card and take the hire company's waiver
- Cover limit
- $5,500
- Excess
- $250
- Voids cover
- Unsealed roads, drink driving, a driver not on the agreement
- What it pays
- The hire company's excess, not the vehicle
Purchase protection
- Activation
- Pay for the item with the card
- Annual limit
- $25,000
- Cover period
- 90 days
- Excess
- $250
- Not covered
- Cash, consumables and animals
- Voids cover
- Leaving the item unattended in a public place
- What it pays
- Theft, loss and accidental damage
Extended warranty
- Activation
- Pay with the card for an item under manufacturer's warranty
- Annual limit
- $25,000
- Excess
- $250
- Not covered
- Anything the manufacturer's warranty already excluded
- Per-item limit
- $5,000
- What it pays
- Mechanical failure once that warranty ends
Where this card sits vs similar cards
Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.
Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.
Compare side by side
- Bendigo Bank Ready Credit CardvsAmerican Express Low Rate Credit Card
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- Bendigo Bank Ready Credit CardvsANZ Low Rate
- Bendigo Bank Ready Credit CardvsANZ Platinum Credit Card
- Bendigo Bank Ready Credit CardvsAustralian Mutual Bank Credit Card
- Bendigo Bank Ready Credit CardvsBank Australia Low Rate Visa Credit Card
- Bendigo Bank Ready Credit CardvsBank Australia Visa Credit Card
- Bendigo Bank Ready Credit CardvsBankVic Low Rate Visa
- Bendigo Bank Ready Credit CardvsBankVic Qantas Visa Credit Card
- Bendigo Bank Ready Credit CardvsBankwest Zero Classic Mastercard
- Bendigo Bank Ready Credit CardvsBankwest Zero Platinum Mastercard
- Bendigo Bank Ready Credit CardvsBOQ Specialist Platinum Credit Card
Browse by card type
Compare the Bendigo Bank Ready Credit Card against every other card in its category.
Questions and answers
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Sources
- Credit Card Compare
- Credit card statistics for AustraliaHow CardIQ scores cards
- Issuer
- Bendigo Bank